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

CFPB complaint data Grade F 191 complaints

Credit Collections U.S.A., L.L.C. - Debt Collector Complaint Profile

CFPB complaint profile across 24 states, reputation grade F.

Complaints by issue type

What consumers report about Credit Collections U.S.A., L.L.C.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 31.6/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of F: Credit Collections U.S.A., L.L.C. ranks ahead of 1% of the 5,283 collectors PlainCollector grades - 99% keep a cleaner CFPB record, on 191 all-time complaints and a 13% timely-response rate.

1st pct
reputation rank of 5,283 graded collectors
191
CFPB complaints, all-time
13%
answered inside the CFPB window
43
in the last 12 months (stable)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Credit Collections U.S.A., L.L.C.?

Credit Collections U.S.A., L.L.C. has accumulated 191 total CFPB complaints across 24 states, with 43 filed in the most recent 12 months against 148 historical complaints before that window. The trailing-12-month volume represents 22.5% 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 "Didn't receive enough information to verify debt". The company posts a 13% timely-response rate against a 10% consumer-dispute-after-response rate.

Complaints have been recorded across 24 states, led by Florida with 66 and Pennsylvania with 32. Normalized against the full CFPB collector database, the reputation score of 31.6/100 places Credit Collections U.S.A., L.L.C. in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

191

mid-volume (CCDB)

Last 12 months

43

22.5% of all-time complaints

Stable →

States active

24

multi-region footprint

Timely response rate

13%

below sla band

Consumer disputes

10%

average (vertical avg ~19%)

Reputation grade

F

31.6/100 composite

How does Credit Collections U.S.A., L.L.C.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

32 Bottom 1% higher than 1% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). This entry sits in this band. 40–50: 583 graded collectors (11%). Above this entry. 50–60: 1,469 graded collectors (28%). Above this entry. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Credit Collections U.S.A., L.L.C. versus the debt-collection vertical average.

Timely response within SLA 13.2%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 10.3%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 42.9%

Share of US states + territories with at least one filed complaint against this collector.

How does Credit Collections U.S.A., L.L.C. compare to its peers?

How does Credit Collections U.S.A., L.L.C. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Credit Collections U.S… National average
Complaints (last 12 mo)lower is better
43
1
268
Timely-response ratehigher is better
13%
80%
91%
Consumer-dispute ratelower is better
10%
32%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2018-12 2024-05

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 72
Written notification about debt - 54
Cont'd attempts collect debt not owed - 22
False statements or representation - 17
Took or threatened to take negative or legal action - 8
Communication tactics - 7
Disclosure verification of debt - 7
Threatened to contact someone or share information improperly - 2
Taking/threatening an illegal action - 2

Where do complaints against Credit Collections U.S.A., L.L.C. come from?

Credit Collections U.S.A., L.L.C.'s own per-state count, not a national baseline.

Top states by complaints against Credit Collections U.S.A., L.L.C.

Across 24 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Credit Collections U.S.A., L.L.C. contacts you

A grade of F signals how Credit Collections U.S.A., L.L.C.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Credit Collections U.S.A., L.L.C. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Credit Collections U.S.A., L.L.C. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against Credit Collections U.S.A., L.L.C.? ▼

The most common issue consumers report about Credit Collections U.S.A., L.L.C. is "Attempts to collect debt not owed", specifically "Didn't receive enough information to verify debt". This is based on 191 complaints filed with the CFPB.

Are complaints against Credit Collections U.S.A., L.L.C. increasing or decreasing? ▼

Complaints against Credit Collections U.S.A., L.L.C. have been stable. The company received 43 complaints in the last 12 months.

What is Credit Collections U.S.A., L.L.C.'s reputation grade? ▼

Credit Collections U.S.A., L.L.C. has a reputation grade of F (score: 31.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Credit Collections U.S.A., L.L.C. respond to consumer complaints? ▼

Credit Collections U.S.A., L.L.C. has a 13% timely response rate to CFPB complaints. Consumers disputed the company's response in 10% of cases.

In how many states does Credit Collections U.S.A., L.L.C. operate? ▼

Credit Collections U.S.A., L.L.C. has received CFPB complaints from consumers in 24 states, with the most complaints from Florida (66 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.