To file a credit reporting complaint, consumers can:

1. File online at
2. Call the toll-free phone number at 1-855-411-CFPB (2372) or TTY/TDD phone number at 1-855-729-CFPB (2372)
3. Fax the CFPB at 1-855-237-2392.

How do I report late payments to credit bureau?

Visit Experian’s “Register to Report Credit Data” page, complete the short form and submit, or call 800-831-5614, then select the third option. The credit bureau will assist you in becoming a reporting member. Repeat the process for Equifax (888-201-6879) and TransUnion (online only).

Can you report your credit to the three major credit bureaus?

The bad news is that you cannot directly report your financial activity to the three major credit bureaus. In other words, if you want to let Equifax, TransUnion and Experian know that you regularly make rent and utility payments on time, you can’t report that information yourself.

How are rent payments reported on a credit report?

The major credit bureaus include rent payments in credit reports TransUnion, Equifax and Experian accept rent payments when they’re reported. However, there are hundreds of different credit scoring models (not to be confused with the actual credit bureau ) that lenders use to determine a person’s creditworthiness.

What should be included in a credit report?

Credit reports also include reports on things like bankruptcies and tax liens, and can even include rent or bill payments. Essentially, your credit report encompasses everything reported to the consumer credit reporting agencies, from payments made to requests for new credit.

Is there a fee to report to the credit bureaus?

If you are a small business with few debtors, you will have to use a middleman and pay a fee to report to the credit bureaus. Otherwise, you may join the credit reporting bureaus and report directly to them. Research the three credit bureau agencies. In the U.S., there are three national credit bureaus, Equifax, Experian, and TransUnion.