The three big bureaus are crucial to Americans’ credit histories. If your payment data isn’t appearing in any of their records, you have little to no credit history.

Experian, TransUnion and Equifax, the three major credit bureaus, have all ended their data partnerships with TomoCredit, refusing to include credit lines reported by the troubled San Francisco startup, Forbes has learned. TomoCredit claims it can help boost consumers’ credit scores through features like opening a line of credit for them and reporting their rent and utility payments to the credit bureaus.

As Forbes reported previously, Tomo has been the target of a flood of consumer complaints about the difficulty of canceling its subscriptions and recently added an option to cancel to. Consumers have also said in online forums and interviews with Forbes that Tomo’s credit lines don’t appear in their credit histories. Now there’s clear evidence that the bureaus Tomo claims on its website that it reports to aren’t accepting its information.

In response to a list of facts and questions we sent to Tomo founder and CEO Kristy Kim about the bureaus ending their partnerships with Tomo, Kim said, “They are inaccurate,” but she failed to elaborate further or grant an interview. She added, “Tomo is filling the gap in the credit ecosystem by connecting good borrowers who happen to lack credit history and lenders. All three bureaus are great partners of Tomo as we all want to [bring] positive innovation to the industry [and] benefits to consumers.” The five-year-old........

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