Who is complaining aboutImproper use of my credit report?
When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.
The CFPB does not verify every allegation in a complaint before publishing it.Consumer Financial Protection Bureau, Consumer Complaint Database. A complaint is a consumer's account of a problem; it is not a finding against the company.
“Improper use of my credit report” is an issue label the CFPB no longer offers on its complaint form. 5,579 complaints carry it, received between 23 Oct 2012 and 21 Apr 2017.
Most were filed under the product “Credit reporting” (100%).
Which products
| Product (CFPB label) | Complaints | Share |
|---|---|---|
| Credit reporting | 5,579 | 100% |
Sub-issues
| Sub-issue (CFPB label) | Complaints | Share |
|---|---|---|
| Report improperly shared by CRC | 5,242 | 94% |
| Received marketing offer after opted out | 170 | 3% |
| Report shared with employer w/o consent | 167 | 3% |
Which companies, with their size
Ordered by the number of complaints carrying this issue since 2011.
| Company (as named by the CFPB) | Complaints, all years | Share | Company size |
|---|---|---|---|
| Experian Information Solutions Inc. | 1,800 | 32.3% | no public measure |
| EQUIFAX, INC. | 1,665 | 29.8% | no public measure |
| TRANSUNION INTERMEDIATE HOLDINGS, INC. | 1,478 | 26.5% | no public measure |
| CORELOGIC INC | 97 | 1.7% | no public measure |
| Clarity Services | 45 | 0.8% | no public measure |
| Innovis | 35 | 0.6% | no public measure |
| CAPITAL ONE FINANCIAL CORPORATION | 33 | 0.6% | $662bn assets |
| Fidelity National Information Services, Inc. (FNIS) | 33 | 0.6% | no public measure |
| LEXISNEXIS | 26 | 0.5% | no public measure |
| CITIBANK, N.A. | 20 | 0.4% | $1.98tn assets |
| Credit Karma, LLC | 19 | 0.3% | no public measure |
| Credit Plus Inc | 17 | 0.3% | no public measure |
| FACTUAL DATA CORP. | 14 | 0.3% | no public measure |
| JPMORGAN CHASE & CO. | 13 | 0.2% | $4.09tn assets |
| SYNCHRONY FINANCIAL | 13 | 0.2% | $115bn assets |
| WELLS FARGO & COMPANY | 13 | 0.2% | $1.92tn assets |
| Sterling Infosystems Inc. | 11 | 0.2% | no public measure |
| BANK OF AMERICA, NATIONAL ASSOCIATION | 10 | 0.2% | $2.65tn assets |
| Santander Consumer USA Holdings Inc. | 10 | 0.2% | no public measure |
| AMERICAN EXPRESS COMPANY | 9 | 0.2% | $214bn assets |
| FIRST ADVANTAGE CORPORATION | 9 | 0.2% | no public measure |
| Exeter Finance, LLC. | 8 | 0.1% | no public measure |
| ONEMAIN FINANCIAL HOLDINGS, LLC. | 6 | 0.1% | no public measure |
| Rocket Mortgage, LLC | 6 | 0.1% | 663,472 HMDA records |
| DISCOVER BANK | 6 | 0.1% | no public measure |
| All other companies, including those not listed by name | 183 | 3.3% | — |
CFPB: “When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.” The CFPB does not verify every allegation in a complaint before publishing it. 8 of the 25 companies in this table have a public size measure. “No public measure” means the company could not be matched by name to a single institution in the FDIC, NCUA or HMDA files, not that it is small.
How companies responded
- Closed with explanation4,436 · 79.5%
- Closed with non-monetary relief1,095 · 19.6%
- Closed with monetary relief25 · 0.4%
- Closed23 · 0.4%
| Measure | This issue | All issues |
|---|---|---|
| Closed with monetary or non-monetary relief | 20.1% | 31.5% |
| Closed with monetary relief | 0.4% | 0.5% |
| Responses marked timely | 99.3% | 99.6% |
Trend
Questions and answers
What does the CFPB issue “Improper use of my credit report” mean?
It is one of the options a consumer selects on the CFPB complaint form to describe the problem. The label is the consumer's choice and is not checked by the Bureau. Sub-issues recorded under it include “Report improperly shared by CRC”, “Received marketing offer after opted out”, “Report shared with employer w/o consent”.
How many complaints carry this issue?
5,579, all received before 21 Apr 2017; the label is no longer offered.
Which products does it apply to?
“Credit reporting” (100%).
Does the CFPB verify complaints?
The CFPB does not verify every allegation in a complaint before publishing it. Counts on this page show what consumers reported, not what was found.
Provenance
Source: Consumer Financial Protection Bureau, Consumer Complaint Database, bulk file downloaded 1 Oct 2026, complaints received through 1 Oct 2026. Only coded fields are used (company, product, sub-product, issue, state, dates, company response, timeliness); complaint narratives are never read, stored or shown. Complaints are published once the company responds or after 15 days, so the most recent two to three weeks are incomplete. Size measures: FDIC BankFind (report date 30 Jun 2026), NCUA call reports (30 Jun 2026), HMDA transmittal sheet (2025), Census Bureau population estimates (2025). All are US government works. Search the CFPB database · Methodology · Report an error.