Issues ›

Credit file reporting

Incorrect or unfair information reported to credit reference agencies.

Rules the ombudsman applied

Derived from the rules actually cited in these decisions, ranked by how often they appear — not from an editorial view of which rules matter.

Which firms lose on this

Firms with fewer than 20 decisions on this issue are excluded — the rate would not mean anything.

In the ombudsman’s words

He wanted those removed from his credit record.

Halifax did not tell him that a default could be registered

they’d received the inaccurate information from a credit reference agency

remove any information about the loans referred to at the first bullet point above from Mr M’s credit file.

Quotes are shown only where the exact wording was verified against the decision text.

The US counterpart

The Consumer Financial Protection Bureau (CFPB) runs a separate complaint database for American consumers. We map its issue labels onto this issue ourselves — the CFPB does not — and the two datasets are not comparable: UK figures above are ombudsman decisions with an adjudicated outcome, while these are complaints made to a US regulator, most of which are never adjudicated. A count of one is not a count of the other, so no rate, percentage or ratio is calculated between them.

The CFPB recorded 86,421 complaints mapped to this issue, received between May 2018 and October 2026, across all US consumer financial products.

Source: CFPB Consumer Complaint Database, not scoped to banking — the CFPB’s complaint categories span all consumer financial products, not just banking.