Total CFPB complaints
14
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 14 complaints
Credit Plus Inc — Debt Collector Complaint Profile
CFPB complaint profile across 10 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Credit Plus Inc
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
4 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
3 complaints
- Written notification about debt
Written notification about debt
3 complaints
- Improper contact or sharing of info
Improper contact or sharing of info
2 complaints
- Disclosure verification of debt 1
Disclosure verification of debt
1 complaints
- Took or threatened to take negative or legal action 1
Took or threatened to take negative or legal action
1 complaints
B
Grade B · 68.9/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about Credit Plus Inc?
Credit Plus Inc has accumulated 14 total CFPB complaints across 10 states, with 0 filed in the most recent 12 months against 14 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 "Cont'd attempts collect debt not owed", narrowing to "Debt is not mine", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 29% 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 10 states, led by Georgia with 3 and Pennsylvania with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 68.9/100 places Credit Plus Inc in grade band B, 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
10
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
29%
After company response
Reputation grade
B
68.9/100 composite
Response-quality profile
How Credit Plus Inc performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 57.1%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 17.9%
Share of US states + territories with at least one filed complaint against this collector.
How does Credit Plus Inc compare to its peers?
Credit Plus 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)
2015-07 2022-04
Top Consumer Issues
Cont'd attempts collect debt not owed4 (%)
Attempts to collect debt not owed3 (%)
Improper contact or sharing of info2 (%)
Written notification about debt3 (%)
Disclosure verification of debt1 (%)
Took or threatened to take negative or legal action1 (%)
Most common issue: Cont'd attempts collect debt not owed — Debt is not mine
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 |
|---|---|---|
| Cont'd attempts collect debt not owed | Debt is not mine | 4 |
| Attempts to collect debt not owed | Debt was result of identity theft | 2 |
| Improper contact or sharing of info | Talked to a third party about my debt | 2 |
| Written notification about debt | Didn't receive notice of right to dispute | 2 |
| Attempts to collect debt not owed | Debt is not yours | 1 |
| Disclosure verification of debt | Right to dispute notice not received | 1 |
| Written notification about debt | Didn't receive enough information to verify debt | 1 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 1 |
Where do complaints against Credit Plus Inc come from?
The states where consumers have filed the most CFPB complaints against Credit Plus Inc. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Credit Plus Inc
Across 10 states with at least one filing
- Georgia
Georgia
3 complaints
- Pennsylvania
Pennsylvania
2 complaints
- Texas
Texas
2 complaints
- Idaho 1
Idaho
1 complaints
- New York 1
New York
1 complaints
- Minnesota 1
Minnesota
1 complaints
- Indiana 1
Indiana
1 complaints
- Florida 1
Florida
1 complaints
Frequently Asked Questions
What is the most common complaint against Credit Plus Inc? ▼
The most common issue consumers report about Credit Plus Inc is "Cont'd attempts collect debt not owed", specifically "Debt is not mine". This is based on 14 complaints filed with the CFPB.
Are complaints against Credit Plus Inc increasing or decreasing? ▼
Complaints against Credit Plus Inc have been stable. The company received 0 complaints in the last 12 months.
What is Credit Plus Inc's reputation grade? ▼
Credit Plus Inc has a reputation grade of B (score: 68.9/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
Does Credit Plus Inc respond to consumer complaints? ▼
Credit Plus Inc has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 29% of cases.
In how many states does Credit Plus Inc operate? ▼
Credit Plus Inc has received CFPB complaints from consumers in 10 states, with the most complaints from Georgia (3 complaints).
What can I do if Credit Plus 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 Plus 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 |