Total CFPB complaints
119
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 119 complaints
CREDIGY USA CORP. — Debt Collector Complaint Profile
CFPB complaint profile across 34 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about CREDIGY USA CORP.
- Disclosure verification of debt
Disclosure verification of debt
29 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
29 complaints
- False statements or representation
False statements or representation
12 complaints
- Taking/threatening an illegal action 9
Taking/threatening an illegal action
9 complaints
- Written notification about debt 4
Written notification about debt
4 complaints
- Attempts to collect debt not owed 4
Attempts to collect debt not owed
4 complaints
C
Grade C · 60.7/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about CREDIGY USA CORP.?
CREDIGY USA CORP. has accumulated 119 total CFPB complaints across 34 states, with 0 filed in the most recent 12 months against 119 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 "Disclosure verification of debt", narrowing to "Not given enough info to verify debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 99% timely-response rate against a 18% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 34 states, led by California with 23 and Texas with 11, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 60.7/100 places CREDIGY USA CORP. in grade band C, 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
34
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Consumer disputes
18%
After company response
Reputation grade
C
60.7/100 composite
Response-quality profile
How CREDIGY USA CORP. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.2%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 35.2%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 60.7%
Share of US states + territories with at least one filed complaint against this collector.
How does CREDIGY USA CORP. compare to its peers?
CREDIGY USA CORP. 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)
2016-12 2024-02
Top Consumer Issues
Disclosure verification of debt29 (%)
Cont'd attempts collect debt not owed29 (%)
False statements or representation12 (%)
Taking/threatening an illegal action9 (%)
Written notification about debt4 (%)
Attempts to collect debt not owed4 (%)
Took or threatened to take negative or legal action3 (%)
Most common issue: Disclosure verification of debt — Not given enough info to verify debt
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 |
|---|---|---|
| Disclosure verification of debt | Not given enough info to verify debt | 25 |
| Cont'd attempts collect debt not owed | Debt is not mine | 18 |
| False statements or representation | Attempted to collect wrong amount | 12 |
| Cont'd attempts collect debt not owed | Debt was paid | 11 |
| Taking/threatening an illegal action | Threatened to sue on too old debt | 6 |
| Written notification about debt | Didn't receive enough information to verify debt | 4 |
| Disclosure verification of debt | Right to dispute notice not received | 4 |
| Attempts to collect debt not owed | Debt was paid | 4 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 3 |
| Taking/threatening an illegal action | Sued w/o proper notification of suit | 3 |
Where do complaints against CREDIGY USA CORP. come from?
The states where consumers have filed the most CFPB complaints against CREDIGY USA CORP.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against CREDIGY USA CORP.
Across 34 states with at least one filing
- California
California
23 complaints
- Texas
Texas
11 complaints
- New Jersey 8
New Jersey
8 complaints
- New York 8
New York
8 complaints
- Georgia 7
Georgia
7 complaints
- Ohio 5
Ohio
5 complaints
- Colorado 5
Colorado
5 complaints
- Kentucky 4
Kentucky
4 complaints
Frequently Asked Questions
What is the most common complaint against CREDIGY USA CORP.? ▼
The most common issue consumers report about CREDIGY USA CORP. is "Disclosure verification of debt", specifically "Not given enough info to verify debt". This is based on 119 complaints filed with the CFPB.
Are complaints against CREDIGY USA CORP. increasing or decreasing? ▼
Complaints against CREDIGY USA CORP. have been stable. The company received 0 complaints in the last 12 months.
What is CREDIGY USA CORP.'s reputation grade? ▼
CREDIGY USA CORP. has a reputation grade of C (score: 60.7/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does CREDIGY USA CORP. respond to consumer complaints? ▼
CREDIGY USA CORP. has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 18% of cases.
In how many states does CREDIGY USA CORP. operate? ▼
CREDIGY USA CORP. has received CFPB complaints from consumers in 34 states, with the most complaints from California (23 complaints).
What can I do if CREDIGY USA CORP. 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 CREDIGY USA CORP. 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 |