What is the most common complaint against Credit Adjustments Inc?

The most common issue consumers report about Credit Adjustments Inc is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 83 complaints filed with the CFPB.

Are complaints against Credit Adjustments Inc increasing or decreasing?

Complaints against Credit Adjustments Inc are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Credit Adjustments Inc's reputation grade?

Credit Adjustments Inc has a reputation grade of D (score: 51.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Credit Adjustments Inc respond to consumer complaints?

Credit Adjustments Inc has a 94% timely response rate to CFPB complaints. Consumers disputed the company's response in 39% of cases.

In how many states does Credit Adjustments Inc operate?

Credit Adjustments Inc has received CFPB complaints from consumers in 23 states, with the most complaints from Ohio (25 complaints).

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

Credit Adjustments Inc - Debt Collector Complaint Profile

CFPB complaint profile across 23 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

21
Cont'd attempts collect debt not owed

15
Written notification about debt

12
Communication tactics

9
Disclosure verification of debt

9
False statements or representation

8

Data updated September 2026

CFPB complaint disposition

CCDB record credit-adjustments-inc Credit Adjustments Inc

Grade D · 83 CFPB filings · 94% timely · lead issue: Attempts to collect debt not owed · vol #914 · compose #4028

VOL 83
GRADE D
12MO 0
STATES 23
TIMELY 94%
DISPUTE 39%
ISSUE Attempts to collect debt n…
RANK #914
COMPOSE #4,028

Volume peers

Nearest volume peer: Reel Time Capital LLC (83 complaints)

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

Credit Adjustments Inc's 83 CFPB complaints sit next to Reel Time Capital LLC 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

30.1% of Credit Adjustments Inc's CFPB filings land in Ohio

High volume does not equal a clean composite: Credit Adjustments Inc is volume #914 but composite #4,028, while Ohio dominates the geography. Corpus placement method.

Dominant state: Ohio 30.1%; 25 of 83 filings · 23 states touched
Seasonal peak: 2025-12 8.8%; 8–15% band · 6 filings
Divergent corpus ranks: #914 volume; #4,028 composite; Cleanest-composite ladder is 3,114 places worse than volume

How does Credit Adjustments Inc compare to its peers?

How does Credit Adjustments 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

Credit Adjustments Inc National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

94%

99%

91%

Consumer-dispute ratelower is better

39%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-01 2026-02

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	21
Cont'd attempts collect debt not owed	15
Written notification about debt	12
Communication tactics	9
Disclosure verification of debt	9
False statements or representation	8
Improper contact or sharing of info	3
Took or threatened to take negative or legal action	2
Threatened to contact someone or share information improperly	2
Taking/threatening an illegal action	2

Where do complaints against Credit Adjustments Inc come from?

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

Ohio

25
Michigan

12
Minnesota

6
California

4
New York

4
Pennsylvania

4
Texas

4
Florida

3

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Credit Adjustments 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: 83.

4 peers

Know your rights before responding to Credit Adjustments 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.