What is the most common complaint against Credit Systems of the Fox Valley, Inc.?

The most common issue consumers report about Credit Systems of the Fox Valley, Inc. is "Attempts to collect debt not owed", specifically "Debt is not mine". This is based on 39 complaints filed with the CFPB.

Are complaints against Credit Systems of the Fox Valley, Inc. increasing or decreasing?

Complaints against Credit Systems of the Fox Valley, Inc. are rising. The company received 19 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Credit Systems of the Fox Valley, Inc.'s reputation grade?

Credit Systems of the Fox Valley, Inc. has a reputation grade of B (score: 63.8/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Credit Systems of the Fox Valley, Inc. respond to consumer complaints?

Credit Systems of the Fox Valley, Inc. has a 90% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Credit Systems of the Fox Valley, Inc. operate?

Credit Systems of the Fox Valley, Inc. has received CFPB complaints from consumers in 7 states, with the most complaints from Wisconsin (17 complaints).

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

Credit Systems of the Fox Valley, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 7 states, reputation grade B.

Compiled by PlainCollector

Attempts to collect debt not owed

12
Took or threatened to take negative or legal action

10
Written notification about debt

5
Cont'd attempts collect debt not owed

5
Improper contact or sharing of info

4
False statements or representation

2

Data updated September 2026

CFPB complaint disposition

CCDB record credit-systems-of-the-fox-valley-inc Credit Systems of the Fox Valley, Inc.

Grade B · 39 CFPB filings · 90% timely · lead issue: Attempts to collect debt not owed · vol #1356 · compose #1900

VOL 39
GRADE B
12MO 19
STATES 7
TIMELY 90%
DISPUTE 0%
ISSUE Attempts to collect debt n…
RANK #1,356
COMPOSE #1,900

Volume peers

Nearest volume peer: Accurate Financial Partners (39 complaints)

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

Credit Systems of the Fox Valley, Inc.'s 39 CFPB complaints sit next to Accurate Financial Partners 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

43.6% of Credit Systems of the Fox Valley, Inc.'s CFPB filings land in Wisconsin

High volume does not equal a clean composite: Credit Systems of the Fox Valley, Inc. is volume #1,356 but composite #1,900, while Wisconsin dominates the geography. Corpus placement method.

Dominant state: Wisconsin 43.6%; 17 of 39 filings · 7 states touched
Even monthly load: Peak under 8%; Highest month 2015-02 at 6.7% (2 filings)
Divergent corpus ranks: #1,356 volume; #1,900 composite; Cleanest-composite ladder is 544 places worse than volume

How does Credit Systems of the Fox Valley, Inc. compare to its peers?

How does Credit Systems of the Fox Valley, 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 Systems of the … National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

90%

61%

91%

Consumer-dispute ratelower is better

10%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2014-10 2025-11

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	12
Took or threatened to take negative or legal action	10
Written notification about debt	5
Cont'd attempts collect debt not owed	5
Improper contact or sharing of info	4
False statements or representation	2
Communication tactics	1

Where do complaints against Credit Systems of the Fox Valley, Inc. come from?

Credit Systems of the Fox Valley, Inc.'s own per-state count, not a national baseline.

Wisconsin

17
Texas

13
Alabama

4
Georgia

2
California

1
Maryland

1
Nevada

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Credit Systems of the Fox Valley, 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: 39.

4 peers

Know your rights before responding to Credit Systems of the Fox Valley, 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.