Total CFPB complaints
83
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 83 complaints
Credit Adjustments Inc — Debt Collector Complaint Profile
CFPB complaint profile across 23 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Credit Adjustments Inc
- Attempts to collect debt not owed
Attempts to collect debt not owed
17 complaints
- Written notification about debt
Written notification about debt
12 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
12 complaints
- Disclosure verification of debt
Disclosure verification of debt
9 complaints
- False statements or representation
False statements or representation
7 complaints
- Communication tactics
Communication tactics
7 complaints
D
Grade D · 54.6/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Credit Adjustments Inc?
Credit Adjustments Inc has accumulated 83 total CFPB complaints across 23 states, with 0 filed in the most recent 12 months against 83 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 is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 94% timely-response rate against a 39% 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 23 states, led by Ohio with 25 and Michigan with 12, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 54.6/100 places Credit Adjustments Inc in grade band D, 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
23
Distinct state filings
Timely response rate
94%
Within CFPB SLA window
Consumer disputes
39%
After company response
Reputation grade
D
54.6/100 composite
Response-quality profile
How Credit Adjustments Inc performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 94.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 78.8%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 41.1%
Share of US states + territories with at least one filed complaint against this collector.
How does Credit Adjustments Inc compare to its peers?
Credit Adjustments Inc 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)
2018-05 2021-10
Top Consumer Issues
Attempts to collect debt not owed17 (%)
Written notification about debt12 (%)
Cont'd attempts collect debt not owed12 (%)
False statements or representation7 (%)
Communication tactics7 (%)
Disclosure verification of debt9 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 is not yours | 13 |
| Written notification about debt | Didn't receive enough information to verify debt | 9 |
| Cont'd attempts collect debt not owed | Debt was paid | 7 |
| False statements or representation | Attempted to collect wrong amount | 7 |
| Communication tactics | Frequent or repeated calls | 7 |
| Disclosure verification of debt | Not given enough info to verify debt | 5 |
| Cont'd attempts collect debt not owed | Debt is not mine | 5 |
| Attempts to collect debt not owed | Debt was paid | 4 |
| Disclosure verification of debt | Right to dispute notice not received | 4 |
| Written notification about debt | Didn't receive notice of right to dispute | 3 |
Where do complaints against Credit Adjustments Inc come from?
The states where consumers have filed the most CFPB complaints against Credit Adjustments Inc. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Credit Adjustments Inc
Across 23 states with at least one filing
- Ohio
Ohio
25 complaints
- Michigan
Michigan
12 complaints
- Minnesota 6
Minnesota
6 complaints
- New York 4
New York
4 complaints
- Pennsylvania 4
Pennsylvania
4 complaints
- California 4
California
4 complaints
- Texas 4
Texas
4 complaints
- Florida 3
Florida
3 complaints
Frequently Asked Questions
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 have been stable. The company received 0 complaints in the last 12 months.
What is Credit Adjustments Inc's reputation grade? ▼
Credit Adjustments Inc has a reputation grade of D (score: 54.6/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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).
What can I do if Credit Adjustments 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 Credit Adjustments 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 |