What is the most common complaint against Credit Bureau of San Luis Obispo & Santa Barbara Counties?

The most common issue consumers report about Credit Bureau of San Luis Obispo & Santa Barbara Counties is "Cont'd attempts collect debt not owed", specifically "Debt is not mine". This is based on 13 complaints filed with the CFPB.

Does Credit Bureau of San Luis Obispo & Santa Barbara Counties respond to consumer complaints?

Credit Bureau of San Luis Obispo & Santa Barbara Counties has a 92% timely response rate to CFPB complaints. Consumers disputed the company's response in 22% of cases.

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

Credit Bureau of San Luis Obispo & Santa Barbara Counties - Debt Collector Complaint Profile

Q: Are complaints against Credit Bureau of San Luis Obispo & Santa Barbara Counties increasing or decreasing?

Complaints against Credit Bureau of San Luis Obispo & Santa Barbara Counties are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

CFPB complaint profile across 3 states, reputation grade B.

Compiled by PlainCollector

Cont'd attempts collect debt not owed

3
Written notification about debt

2
False statements or representation

2
Communication tactics

2
Taking/threatening an illegal action

2
Attempts to collect debt not owed

1

Data updated September 2026

CFPB complaint disposition

CCDB record credit-bureau-of-san-luis-obispo-santa-barbara-counties Credit Bureau of San Luis Obispo & Santa Barbara Counties

Grade B · 13 CFPB filings · 92% timely · lead issue: Cont'd attempts collect debt not owed · vol #2245 · compose #1851

VOL 13
GRADE B
12MO 0
STATES 3
TIMELY 92%
DISPUTE 22%
ISSUE Cont'd attempts collect de…
RANK #2,245
COMPOSE #1,851

Volume peers

Nearest volume peer: 3rd Generation, Inc. (13 complaints)

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

Credit Bureau of San Luis Obispo & Santa Barbara Counties's 13 CFPB complaints sit next to 3rd Generation, 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

84.6% of Credit Bureau of San Luis Obispo & Santa Barbara Counties's CFPB filings land in California

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state: California 84.6%; 11 of 13 filings · 3 states touched
Even monthly load: Peak under 8%; Highest month 2019-11 at 7.7% (2 filings)
Corpus ranks: #2,245 volume; #1,851 composite; Among 5,420 volume-ranked / 5,278 scored collectors

How does Credit Bureau of San Luis Obispo & Santa Barbara Counties compare to its peers?

How does Credit Bureau of San Luis Obispo & Santa Barbara Counties 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 Bureau of San L… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

92%

91%

Consumer-dispute ratelower is better

22%

25%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2018-02 2024-12

Issue Detail Breakdown

Issue	Complaints
Cont'd attempts collect debt not owed	3
Written notification about debt	2
False statements or representation	2
Communication tactics	2
Taking/threatening an illegal action	2
Attempts to collect debt not owed	1
Disclosure verification of debt	1

Where do complaints against Credit Bureau of San Luis Obispo & Santa Barbara Counties come from?

Credit Bureau of San Luis Obispo & Santa Barbara Counties's own per-state count, not a national baseline.

California

11
Nevada

1
Oregon

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Credit Bureau of San Luis Obispo & Santa Barbara Counties: 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: 13.

4 peers

Know your rights before responding to Credit Bureau of San Luis Obispo & Santa Barbara Counties: 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.