Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TomoCredit Inc.
State: FL

Complaint narrative:
Dear TomoCredit Support, I am writing to file a formal complaint regarding TomoBoosts continued failure to report any of my account activity or paymentsincluding linked phone bills and other recurring subscriptionsto any of the three major credit bureaus : XXXX XXXX XXXX XXXX. It has now been over three months since I first enrolled in TomoBoost. Despite following all your outlined steps, including linking qualifying accounts and consistently making on-time payments, none of this activity has shown up on my credit reports. Ive contacted all three credit bureaus directly, and they have confirmed that the issue is not on their endTomoCredit simply has not furnished any data associated with my profile. 

Due to the lack of results, I canceled my subscription in disappointment. However, I recently decided to reopen my TomoBoost account in hopes that things had improved and that my prior and current payment history would be reported. Unfortunately, I am once again seeing no signs of reportingno tradelines, no payment history, no reflection of the credit-building activity that was promised. This is extremely concerning. 

TomoBoost was marketed as a tool designed to help consumers build credit by reporting recurring bill payments, such as phone bills, to all three major credit bureaus. Your platform claimed that no credit check was needed, and that responsible usage would be reflected in our credit histories. The service was presented as an easy and trustworthy way to increase credit visibility, track on-time payments, and build positive account age. These promises directly influenced my decision to subscribe. However, despite my full participation, none of these outcomes have been delivered. 

Under the Fair Credit Reporting Act ( FCRA ), I have a right to accurate and timely credit reporting. Furthermore, when a company promises to report financial activity to the credit bureaus and fails to do so, it may constitute deceptive and unfair business practices under 15 U.S. Code 45 of the Federal Trade Commission Act. As a consumer, I feel misled and disappointed. This situation has not only wasted my time but also impacted my credit-building goals. 

At this time, I am requesting a complete investigation into why my account and payment historyboth past and presenthave not been reported. I ask that immediate action be taken to correct this issue and that my full account history, including all linked bills and payment activity, be reported to XXXX XXXX XXXX XXXX. I also request written confirmation or a timeline as to when reporting will begin, along with a dedicated point of contact or case number for follow-up. 

If I do not receive a satisfactory response within 15 calendar days, I will have no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX XXXX XXXX XXXX XXXX XXXX. I will also make my experience public to help warn other potential users. In addition, I will explore legal options regarding possible misrepresentation and violation of federal consumer credit laws.

I enrolled in TomoBoost with the belief that it would help me take real steps toward improving my credit. I have held up my end of the agreement by participating fully and making timely payments. Now I am asking that you fulfill your responsibility and ensure the credit reporting you promised is delivered.In addition to the issues with TomoBoost reporting, I also want to address the ongoing problem with my Tomo Card application, which has been in pending status for several months with no clear update or resolution. I have connected multiple bank accounts as required, including accounts with active direct deposit, to verify my income and eligibility. Despite fulfilling all prerequisites and waiting patiently, I have still not received approval, activation, or even a clear explanation of why my card has not been issued. According to your platform, card limits are based on income and bank activity, and I believe I should be eligible for a substantial credit limit based on the financial data Ive provided. The lack of transparency, communication, and progress is extremely frustrating and further reflects poorly on the reliability of your services. I am requesting immediate attention to this matter as well, with a detailed update on the status of my Tomo Card application and when I can expect full access to my credit line. 

Sincerely, XXXX XXXX ] [ XXXX ]

Company response to consumer: Closed with explanation