What is the most common complaint against American Credit Bureau, Inc.?

The most common issue consumers report about American Credit Bureau, Inc. is "Attempts to collect debt not owed", specifically "Didn't receive enough information to verify debt". This is based on 79 complaints filed with the CFPB.

Are complaints against American Credit Bureau, Inc. increasing or decreasing?

Complaints against American Credit Bureau, Inc. are falling. The company received 11 complaints in the last 12 months, showing improvement over prior periods.

What is American Credit Bureau, Inc.'s reputation grade?

American Credit Bureau, Inc. has a reputation grade of C (score: 61.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does American Credit Bureau, Inc. respond to consumer complaints?

American Credit Bureau, Inc. has a 97% timely response rate to CFPB complaints. Consumers disputed the company's response in 5% of cases.

In how many states does American Credit Bureau, Inc. operate?

American Credit Bureau, Inc. has received CFPB complaints from consumers in 16 states, with the most complaints from Florida (34 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

American Credit Bureau, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 16 states, reputation grade C.

Compiled by PlainCollector

Attempts to collect debt not owed

29
Written notification about debt

18
Cont'd attempts collect debt not owed

13
False statements or representation

9
Took or threatened to take negative or legal action

3
Disclosure verification of debt

3

Data updated September 2026

CFPB complaint disposition

CCDB record american-credit-bureau-inc American Credit Bureau, Inc.

Grade C · 79 CFPB filings · 97% timely · lead issue: Attempts to collect debt not owed · vol #929 · compose #2216

VOL 79
GRADE C
12MO 11
STATES 16
TIMELY 97%
DISPUTE 5%
ISSUE Attempts to collect debt n…
RANK #929
COMPOSE #2,216

Volume peers

Nearest volume peer: CBC Companies, Inc. (79 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

American Credit Bureau, Inc.'s 79 CFPB complaints sit next to CBC Companies, Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

43.0% of American Credit Bureau, Inc.'s CFPB filings land in Florida

High volume does not equal a clean composite: American Credit Bureau, Inc. is volume #929 but composite #2,216, while Florida dominates the geography. Corpus placement method.

Dominant state: Florida 43.0%; 34 of 79 filings · 16 states touched
Seasonal peak: 2018-02 11.5%; 8–15% band · 3 filings
Divergent corpus ranks: #929 volume; #2,216 composite; Cleanest-composite ladder is 1,287 places worse than volume

How does American Credit Bureau, Inc. compare to its peers?

How does American Credit Bureau, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

American Credit Bureau… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

97%

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2017-10 2025-11

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	29
Written notification about debt	18
Cont'd attempts collect debt not owed	13
False statements or representation	9
Took or threatened to take negative or legal action	3
Disclosure verification of debt	3
Communication tactics	1
Threatened to contact someone or share information improperly	1
Improper contact or sharing of info	1
Taking/threatening an illegal action	1

Where do complaints against American Credit Bureau, Inc. come from?

American Credit Bureau, Inc.'s own per-state count, not a national baseline.

Florida

34
North Carolina

8
Texas

6
Georgia

5
New York

5
Alabama

3
Maryland

3
Pennsylvania

3

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for American Credit Bureau, Inc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 79.

4 peers

Know your rights before responding to American Credit Bureau, Inc.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.