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 (24)
- Finco Services Inc Dba Currentfirst recorded 2026-11-07
- Timely response rate 73.1% → 84.4% (+11.3 pts)
- Untimely responses 88 → 43 (−51%)
- Foris Dax, Inc.first recorded 2026-11-07
- Open complaints 52 (2026-10-08) → 39 (2026-11-07) (−25%)
- Solar Servicing Holdings Llcfirst recorded 2026-11-07
- Open complaints 104 (2026-10-08) → 74 (2026-11-07) (−29%)
- Westcreek Financialfirst recorded 2026-11-07
- Untimely responses 141 → 70 (−50%)
- Vw Creditfirst recorded 2026-11-06
- Open complaints 22 (2026-10-08) → 9 (2026-11-07) (−59%)
- Williams, Rush & Associates, Llcfirst recorded 2026-11-04
- Untimely responses 99 → 46 (−54%)
- Professional Recovery Managementfirst recorded 2026-10-29
- Timely response rate 4.5% → 38.3% (+33.8 pts)
- Untimely responses 85 → 37 (−56%)
- Block, Inc.first recorded 2026-10-28
- Untimely responses 26 → 7 (−73%)
- Crosscountry Mortgage Llcfirst recorded 2026-10-26
- Timely response rate 81.1% → 93.9% (+12.8 pts)
- Untimely responses 31 → 9 (−71%)
- Equifax, Inc.first recorded 2026-10-24
- Open complaints 78,267 (2026-10-09) → 27,440 (2026-11-08) (−65%)
- Equifax, Inc.first recorded 2026-10-23
- Open complaints 80,292 (2026-10-08) → 27,440 (2026-11-07) (−66%)
- America First Federal Credit Unionfirst recorded 2026-10-14
- Open complaints 37 (2026-10-08) → 26 (2026-11-07) (−30%)
- Lexisnexisfirst recorded 2026-10-11
- Untimely responses 31 → 9 (−71%)
- Shellpoint Partners, Llcfirst recorded 2026-09-30
- Timely response rate 58.8% → 77.6% (+18.8 pts)
- Rosebud Economic Development Corporationfirst recorded 2026-09-26
- Untimely responses 29 → 14 (−52%)
- Possible Financial Incfirst recorded 2026-09-21
- Untimely responses 32 → 0 (−100%)
- Waypoint Resource Group, Llcfirst recorded 2026-09-18
- Untimely responses 172 → 82 (−52%)
- Servicer Under Contract With Federal Student Aidfirst recorded 2026-09-18
- Untimely responses 1,569 → 599 (−62%)
- Synchrony Financialfirst recorded 2026-09-18
- Untimely responses 203 → 25 (−88%)
- Solar Mosaic Llcfirst recorded 2026-09-18
- Untimely responses 32 → 4 (−88%)
- Professional Debt Mediation, Inc.first recorded 2026-09-18
- Untimely responses 73 → 10 (−86%)
- Mohelafirst recorded 2026-09-18
- Timely response rate 24.1% → 73.6% (+49.5 pts)
- Untimely responses 1,815 → 516 (−72%)
- Imprint Payments, Inc.first recorded 2026-09-18
- Timely response rate 10.7% → 57.8% (+47.1 pts)
- Untimely responses 242 → 35 (−86%)
- Open complaints 100 (2026-10-08) → 47 (2026-11-07) (−53%)
- Bank Of America, National Associationfirst recorded 2026-09-18
- Untimely responses 39 → 13 (−67%)
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.