What is the most common complaint against Credit Service Company, INC?

The most common issue consumers report about Credit Service Company, INC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 198 complaints filed with the CFPB.

Are complaints against Credit Service Company, INC increasing or decreasing?

Complaints against Credit Service Company, INC are falling. The company received 26 complaints in the last 12 months, showing improvement over prior periods.

What is Credit Service Company, INC's reputation grade?

Credit Service Company, INC has a reputation grade of D (score: 55.4/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Credit Service Company, INC respond to consumer complaints?

Credit Service Company, INC has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 20% of cases.

In how many states does Credit Service Company, INC operate?

Credit Service Company, INC has received CFPB complaints from consumers in 26 states, with the most complaints from Colorado (78 complaints).

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

Credit Service Company, INC - Debt Collector Complaint Profile

CFPB complaint profile across 26 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

68
Written notification about debt

53
Cont'd attempts collect debt not owed

19
False statements or representation

14
Disclosure verification of debt

12
Took or threatened to take negative or legal action

11

Data updated September 2026

CFPB complaint disposition

CCDB record credit-service-company-inc Credit Service Company, INC

Grade D · 198 CFPB filings · 99% timely · lead issue: Attempts to collect debt not owed · vol #538 · compose #3267

VOL 198
GRADE D
12MO 26
STATES 26
TIMELY 99%
DISPUTE 20%
ISSUE Attempts to collect debt n…
RANK #538
COMPOSE #3,267

Volume peers

Nearest volume peer: Enhanced Acquisitions, LLC (198 complaints)

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

Credit Service Company, INC's 198 CFPB complaints sit next to Enhanced Acquisitions, LLC 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

39.4% of Credit Service Company, INC's CFPB filings land in Colorado

High volume does not equal a clean composite: Credit Service Company, INC is volume #538 but composite #3,267, while Colorado dominates the geography. Corpus placement method.

Dominant state: Colorado 39.4%; 78 of 198 filings · 26 states touched
Spike month: 2018-05 20.0%; 2 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #538 volume; #3,267 composite; Cleanest-composite ladder is 2,729 places worse than volume

How does Credit Service Company, INC compare to its peers?

How does Credit Service Company, 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 Service Company… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

99%

79%

91%

Consumer-dispute ratelower is better

20%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2017-11 2025-10

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	68
Written notification about debt	53
Cont'd attempts collect debt not owed	19
False statements or representation	14
Disclosure verification of debt	12
Took or threatened to take negative or legal action	11
Communication tactics	11
Threatened to contact someone or share information improperly	6
Taking/threatening an illegal action	3
Improper contact or sharing of info	1

Where do complaints against Credit Service Company, INC come from?

Credit Service Company, INC's own per-state count, not a national baseline.

Colorado

78
Texas

67
New Mexico

8
Florida

5
California

4
Georgia

3
Maryland

3
Missouri

3

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Credit Service Company, 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: 198.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.47368421052632%.

4 peers

Know your rights before responding to Credit Service Company, 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.