Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #17875782
Complaint Overview
Complaint ID: 17875782
Company: Transform Credit INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: California
ZIP Code: 95112
Date Received: 2025-11-16T12:00:00-05:00
Date Sent to Company: 2025-12-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I met what was being asked of as a cosigner to a loan my friend got approved for and then received an email saying due to me not having a long enough history so my accounts were to young thats why I was denied and that they couldn't tell me how they got that information. This all happened XXXX XXXX And Ive emailed them several times about it and have complied to their requests. Just for them to lie to me and say other cosigner are applying when there absolutely were not. This was confirmed by the person who got approved for the loan
Frequently Asked Questions
What is Complaint #17875782 about?
Complaint #17875782 was filed against Transform Credit INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-11-16T12:00:00-05:00.
How did Transform Credit INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Transform Credit INC.?
Yes, visit the Transform Credit INC. company profile at readthecomplaint.com/company/transform-credit-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.