Total CFPB complaints
4
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 4 complaints
Certified Credit Reporting, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 2 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Certified Credit Reporting, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
3 complaints
- Written notification about debt 1
Written notification about debt
1 complaints
B
Grade B · 73.0/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about Certified Credit Reporting, Inc.?
Certified Credit Reporting, Inc. has accumulated 4 total CFPB complaints across 2 states, with 0 filed in the most recent 12 months against 4 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt was result of identity theft", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 2 states, led by Michigan with 3 and California with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 73.0/100 places Certified Credit Reporting, Inc. in grade band B, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
2
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
B
73.0/100 composite
Response-quality profile
How Certified Credit Reporting, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 3.6%
Share of US states + territories with at least one filed complaint against this collector.
How does Certified Credit Reporting, Inc. compare to its peers?
Certified Credit Repor… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2018-07 2023-03
Top Consumer Issues
Attempts to collect debt not owed3 (%)
Written notification about debt1 (%)
Most common issue: Attempts to collect debt not owed — Debt was result of identity theft
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt was result of identity theft | 3 |
| Written notification about debt | Didn't receive enough information to verify debt | 1 |
Where do complaints against Certified Credit Reporting, Inc. come from?
The states where consumers have filed the most CFPB complaints against Certified Credit Reporting, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Certified Credit Reporting, Inc.
Across 2 states with at least one filing
- Michigan
Michigan
3 complaints
- California 1
California
1 complaints
Frequently Asked Questions
What is the most common complaint against Certified Credit Reporting, Inc.? ▼
The most common issue consumers report about Certified Credit Reporting, Inc. is "Attempts to collect debt not owed", specifically "Debt was result of identity theft". This is based on 4 complaints filed with the CFPB.
Are complaints against Certified Credit Reporting, Inc. increasing or decreasing? ▼
Complaints against Certified Credit Reporting, Inc. have been stable. The company received 0 complaints in the last 12 months.
What is Certified Credit Reporting, Inc.'s reputation grade? ▼
Certified Credit Reporting, Inc. has a reputation grade of B (score: 73.0/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
Does Certified Credit Reporting, Inc. respond to consumer complaints? ▼
Certified Credit Reporting, Inc. has a 100% timely response rate to CFPB complaints.
In how many states does Certified Credit Reporting, Inc. operate? ▼
Certified Credit Reporting, Inc. has received CFPB complaints from consumers in 2 states, with the most complaints from Michigan (3 complaints).
What can I do if Certified Credit Reporting, Inc. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Certified Credit Reporting, Inc. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |