Total CFPB complaints
38
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 38 complaints
Financial Filing & Reporting, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 23 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Financial Filing & Reporting, Inc.
- Taking/threatening an illegal action
Taking/threatening an illegal action
11 complaints
- False statements or representation
False statements or representation
7 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
6 complaints
- Communication tactics
Communication tactics
6 complaints
- Disclosure verification of debt 2
Disclosure verification of debt
2 complaints
C
Grade C · 59.7/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Financial Filing & Reporting, Inc.?
Financial Filing & Reporting, Inc. has accumulated 38 total CFPB complaints across 23 states, with 3 filed in the most recent 12 months against 35 historical complaints before that window. The trailing-12-month volume represents 7.9% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Taking/threatening an illegal action", narrowing to "Threatened to sue on too old debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 79% timely-response rate against a 12% 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 23 states, led by Tennessee with 4 and Texas with 4, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 59.7/100 places Financial Filing & Reporting, Inc. in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
3
7.9% of total history
Rising ↑
States active
23
Distinct state filings
Timely response rate
79%
Within CFPB SLA window
Consumer disputes
12%
After company response
Reputation grade
C
59.7/100 composite
Response-quality profile
How Financial Filing & Reporting, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 78.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 23.5%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 41.1%
Share of US states + territories with at least one filed complaint against this collector.
How does Financial Filing & Reporting, Inc. compare to its peers?
Financial Filing & Rep… 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)
2013-08 2025-12
Top Consumer Issues
Taking/threatening an illegal action11 (%)
Cont'd attempts collect debt not owed6 (%)
False statements or representation7 (%)
Communication tactics6 (%)
Disclosure verification of debt2 (%)
Most common issue: Taking/threatening an illegal action — Threatened to sue on too old debt
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 |
|---|---|---|
| Taking/threatening an illegal action | Threatened to sue on too old debt | 6 |
| Cont'd attempts collect debt not owed | Debt is not mine | 6 |
| False statements or representation | Impersonated an attorney or official | 4 |
| Taking/threatening an illegal action | Threatened arrest/jail if do not pay | 4 |
| Communication tactics | Threatened to take legal action | 3 |
| False statements or representation | Indicated committed crime not paying | 3 |
| Communication tactics | Called outside of 8am-9pm | 2 |
| Disclosure verification of debt | Not given enough info to verify debt | 2 |
| Communication tactics | Called before 8am or after 9pm | 1 |
| Taking/threatening an illegal action | Sued where didn't live/sign for debt | 1 |
Where do complaints against Financial Filing & Reporting, Inc. come from?
The states where consumers have filed the most CFPB complaints against Financial Filing & Reporting, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Financial Filing & Reporting, Inc.
Across 23 states with at least one filing
- Tennessee
Tennessee
4 complaints
- Texas
Texas
4 complaints
- Maryland
Maryland
3 complaints
- California
California
3 complaints
- New York
New York
2 complaints
- Florida
Florida
2 complaints
- Illinois
Illinois
2 complaints
- Arizona
Arizona
2 complaints
Frequently Asked Questions
What is the most common complaint against Financial Filing & Reporting, Inc.? ▼
The most common issue consumers report about Financial Filing & Reporting, Inc. is "Taking/threatening an illegal action", specifically "Threatened to sue on too old debt". This is based on 38 complaints filed with the CFPB.
Are complaints against Financial Filing & Reporting, Inc. increasing or decreasing? ▼
Complaints against Financial Filing & Reporting, Inc. are rising. The company received 3 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Financial Filing & Reporting, Inc.'s reputation grade? ▼
Financial Filing & Reporting, Inc. has a reputation grade of C (score: 59.7/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does Financial Filing & Reporting, Inc. respond to consumer complaints? ▼
Financial Filing & Reporting, Inc. has a 79% timely response rate to CFPB complaints. Consumers disputed the company's response in 12% of cases.
In how many states does Financial Filing & Reporting, Inc. operate? ▼
Financial Filing & Reporting, Inc. has received CFPB complaints from consumers in 23 states, with the most complaints from Tennessee (4 complaints).
What can I do if Financial Filing & Reporting, 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 Financial Filing & Reporting, 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 |