States › Michigan › Credit reporting or other personal consumer reports
Who in Michigan is complaining aboutCredit reporting or other personal consumer reports?
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.
Michigan consumers filed 118,970 complaints under “Credit reporting or other personal consumer reports” in the 12 months to 30 Sep 2026, up 29% on the 92,498 of the 12 months before. That is 1,175 per 100,000 residents, below the national 1,844.
The category makes up 89.4% of the state's complaints, against 90.8% nationally. 32.1% of closed complaints ended with monetary or non-monetary relief (32.9% nationally) and 99.9% of responses were timely.
Companies with the most Credit reporting or other personal consumer reports complaints from Michigan, with their size
Ordered by complaints from Michigan consumers in the last 12 months. Size is the company's national figure.
| Company (as named by the CFPB) | Complaints from MI, 12 months | Share | Company size |
|---|---|---|---|
| TRANSUNION INTERMEDIATE HOLDINGS, INC. | 42,770 | 36% | no public measure |
| EQUIFAX, INC. | 35,956 | 30.2% | no public measure |
| Experian Information Solutions Inc. | 34,439 | 28.9% | no public measure |
| LEXISNEXIS | 1,159 | 1% | no public measure |
| CBC Companies, Inc. | 444 | 0.4% | no public measure |
| CAPITAL ONE FINANCIAL CORPORATION | 237 | 0.2% | $662bn assets |
| Fidelity National Information Services, Inc. (FNIS) | 183 | 0.2% | no public measure |
| Early Warning Services, LLC | 163 | 0.1% | no public measure |
| Resurgent Capital Services L.P. | 133 | 0.1% | no public measure |
| CITIBANK, N.A. | 131 | 0.1% | $1.98tn assets |
| JPMORGAN CHASE & CO. | 129 | 0.1% | $4.09tn assets |
| CREDIT ACCEPTANCE CORPORATION | 124 | 0.1% | no public measure |
| CL Holdings LLC | 110 | 0.1% | no public measure |
| BANK OF AMERICA, NATIONAL ASSOCIATION | 96 | 0.1% | $2.65tn assets |
| SYNCHRONY FINANCIAL | 88 | 0.1% | $115bn assets |
| ALLY FINANCIAL INC. | 84 | 0.1% | $188bn assets |
| LCI Acquisition Inc. | 76 | 0.1% | no public measure |
| Self Financial Inc. | 74 | 0.1% | no public measure |
| Bread Financial Holdings, Inc. | 71 | 0.1% | $21bn assets |
| Nelnet, Inc. | 70 | 0.1% | no public measure |
| All other companies, including those not listed by name | 2,433 | 2% | — |
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. 7 of the 20 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.
Issues
| Issue (CFPB label) | Complaints | Share |
|---|---|---|
| Incorrect information on your report | 67,051 | 56.4% |
| Problem with a company's investigation into an existing problem | 26,844 | 22.6% |
| Improper use of your report | 24,130 | 20.3% |
| Unable to get your credit report or credit score | 337 | 0.3% |
| Problem with fraud alerts or security freezes | 283 | 0.2% |
| Credit monitoring or identity theft protection services | 221 | 0.2% |
| Problem with a company's investigation into an existing issue | 99 | 0.1% |
| Identity theft protection or other monitoring services | 5 | <0.1% |
How companies responded
- Closed with explanation73,476 · 61.8%
- Closed with non-monetary relief34,813 · 29.3%
- In progress10,576 · 8.9%
- Untimely response89 · 0.1%
- All other categories16 · <0.1%
| Measure | Michigan, this product | United States, this product |
|---|---|---|
| Complaints per 100,000 residents, 12 months | 1,175 | 1,844 |
| Closed with monetary or non-monetary relief | 32.1% | 32.9% |
| Responses marked timely | 99.9% | 99.9% |
Trend
Other products in Michigan
Debt collection · 6,453Checking or savings account · 2,094Credit card · 1,929Money transfer, virtual currency, or money service · 984Mortgage · 768Vehicle loan or lease · 622Student loan · 574Payday loan, title loan, personal loan, or advance loan · 393
Questions and answers
How many Credit reporting or other personal consumer reports complaints come from Michigan?
118,970 in the 12 months to 30 Sep 2026, 92,498 in the 12 months before and 258,151 since 2011.
Is that high for the population?
1,175 per 100,000 residents in Michigan against 1,844 nationally.
Which issues come up most?
“Incorrect information on your report” (56.4%), “Problem with a company's investigation into an existing problem” (22.6%), “Improper use of your report” (20.3%), “Unable to get your credit report or credit score” (0.3%).
Does the CFPB verify complaints?
The CFPB does not verify every allegation in a complaint before publishing it.
Provenance
Source: Consumer Financial Protection Bureau, Consumer Complaint Database, bulk file downloaded 30 Sep 2026, complaints received through 30 Sep 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.