What is the most common complaint against Credit Regulating Services, Inc.?

The most common issue consumers report about Credit Regulating Services, Inc. is "Cont'd attempts collect debt not owed", specifically "Debt is not mine". This is based on 4 complaints filed with the CFPB.

Are complaints against Credit Regulating Services, Inc. increasing or decreasing?

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

What is Credit Regulating Services, Inc.'s reputation grade?

Credit Regulating Services, Inc. has a reputation grade of D (score: 54.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Credit Regulating Services, Inc. respond to consumer complaints?

Credit Regulating Services, Inc. has a 25% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Credit Regulating Services, Inc. operate?

Credit Regulating Services, Inc. has received CFPB complaints from consumers in 2 states, with the most complaints from California (3 complaints).

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

Credit Regulating Services, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 2 states, reputation grade D.

Compiled by PlainCollector

Cont'd attempts collect debt not owed

4

Data updated September 2026

CFPB complaint disposition

CCDB record credit-regulating-services-inc Credit Regulating Services, Inc.

Grade D · 4 CFPB filings · 25% timely · lead issue: Cont'd attempts collect debt not owed · vol #3335 · compose #3409

VOL 4
GRADE D
12MO 0
STATES 2
TIMELY 25%
DISPUTE 0%
ISSUE Cont'd attempts collect de…
RANK #3,335
COMPOSE #3,409

Volume peers

Nearest volume peer: 90 Day Credit Experts (4 complaints)

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

Credit Regulating Services, Inc.'s 4 CFPB complaints sit next to 90 Day Credit Experts 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

75.0% of Credit Regulating Services, Inc.'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 75.0%; 3 of 4 filings · 2 states touched
Seasonal peak: 2015-10 9.1%; 8–15% band · 2 filings
Corpus ranks: #3,335 volume; #3,409 composite; Among 5,420 volume-ranked / 5,278 scored collectors

How does Credit Regulating Services, Inc. compare to its peers?

How does Credit Regulating Services, 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 Regulating Serv… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

25%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2015-10 2021-06

Issue Detail Breakdown

Issue	Complaints
Cont'd attempts collect debt not owed	4

Where do complaints against Credit Regulating Services, Inc. come from?

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

California

3
Arizona

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Credit Regulating Services, 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: 4.

4 peers

Know your rights before responding to Credit Regulating Services, 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.