Correction Ledger · earned, never bought
Companies whose record actually changed.
We only write down what the CFPB database shows. When a company's handling improves under one of the published rules below, it gets a dated entry here and a marker on its Record — with the exact before/after figures. Paying us for a Diagnosis tells a company what to fix; it never buys a line on this page.
Documented improvements (13)
- Rent Recovery Solutionsfirst recorded 2026-09-23
- Untimely responses 319 → 155 (−51%)
- Possible Financial Incfirst recorded 2026-09-21
- Untimely responses 27 → 7 (−74%)
- Bank Of America, National Associationfirst recorded 2026-09-18
- Untimely responses 70 → 13 (−81%)
- Egl Us, Llcfirst recorded 2026-09-18
- Timely response rate 89.8% → 100.0% (+10.2 pts)
- Imprint Payments, Inc.first recorded 2026-09-18
- Timely response rate 48.0% → 64.4% (+16.4 pts)
- Klarna Abfirst recorded 2026-09-18
- Untimely responses 49 → 4 (−92%)
- Lexisnexisfirst recorded 2026-09-18
- Untimely responses 42 → 19 (−55%)
- Mohelafirst recorded 2026-09-18
- Timely response rate 26.1% → 66.1% (+40.0 pts)
- Untimely responses 1,794 → 682 (−62%)
- Professional Debt Mediation, Inc.first recorded 2026-09-18
- Untimely responses 124 → 18 (−85%)
- Servicer Under Contract With Federal Student Aidfirst recorded 2026-09-18
- Untimely responses 2,172 → 776 (−64%)
- Solar Mosaic Llcfirst recorded 2026-09-18
- Untimely responses 90 → 6 (−93%)
- Synchrony Financialfirst recorded 2026-09-18
- Untimely responses 300 → 65 (−78%)
- Waypoint Resource Group, Llcfirst recorded 2026-09-18
- Timely response rate 63.0% → 91.3% (+28.3 pts)
- Untimely responses 207 → 27 (−87%)
The rules (ledger-2026-06-v1)
Recent = complaints received in the last 90 days; prior = the 90 days before that. Open = complaints received in the last 24 months still marked 'In progress' by the CFPB, tracked daily.
- Timely response rate up at least 10 percentage points, with at least 50 complaints in each window (CFPB 'timely' field).
- Untimely responses down at least 50% with at least 20 untimely in the prior window.
- Open (no final answer) complaints down at least 25% versus 30+ days ago, with at least 20 open at the start (requires our daily history).
Any one rule met = 'Documented improvement', shown with the exact before/after figures and dates. Complaint volume is reported but never counted as improvement — fewer complaints is not the company's doing.
Embed a badge: <img src="https://alphacovenantholdings.com/api/ledger/badge/your-company-slug.svg" alt="Documented improvement — Alpha Covenant Correction Ledger"> — it only renders while the improvement is on record.