What is the most common complaint against FirstCredit, Inc.?

The most common issue consumers report about FirstCredit, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 43 complaints filed with the CFPB.

Are complaints against FirstCredit, Inc. increasing or decreasing?

Complaints against FirstCredit, Inc. are rising. The company received 13 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is FirstCredit, Inc.'s reputation grade?

FirstCredit, Inc. has a reputation grade of D (score: 54.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does FirstCredit, Inc. respond to consumer complaints?

FirstCredit, Inc. has a 100% timely response rate to CFPB complaints.

In how many states does FirstCredit, Inc. operate?

FirstCredit, Inc. has received CFPB complaints from consumers in 12 states, with the most complaints from Ohio (19 complaints).

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

FirstCredit, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 12 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

21
Communication tactics

8
Written notification about debt

6
False statements or representation

5
Took or threatened to take negative or legal action

2
Threatened to contact someone or share information improperly

1

Data updated September 2026

CFPB complaint disposition

CCDB record firstcredit-inc FirstCredit, Inc.

Grade D · 43 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #1298 · compose #3490

VOL 43
GRADE D
12MO 13
STATES 12
TIMELY 100%
ISSUE Attempts to collect debt n…
RANK #1,298
COMPOSE #3,490

Volume peers

Nearest volume peer: Access Credit Management, Inc. (43 complaints)

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

FirstCredit, Inc.'s 43 CFPB complaints sit next to Access Credit Management, Inc. 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

44.2% of FirstCredit, Inc.'s CFPB filings land in Ohio

High volume does not equal a clean composite: FirstCredit, Inc. is volume #1,298 but composite #3,490, while Ohio dominates the geography. Corpus placement method.

Dominant state: Ohio 44.2%; 19 of 43 filings · 12 states touched
Even monthly load: Peak under 8%; Highest month 2018-06 at 7.7% (2 filings)
Divergent corpus ranks: #1,298 volume; #3,490 composite; Cleanest-composite ladder is 2,192 places worse than volume

How does FirstCredit, Inc. compare to its peers?

How does FirstCredit, 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

FirstCredit, Inc. National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

90%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2018-01 2025-10

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	21
Communication tactics	8
Written notification about debt	6
False statements or representation	5
Took or threatened to take negative or legal action	2
Threatened to contact someone or share information improperly	1

Where do complaints against FirstCredit, Inc. come from?

FirstCredit, Inc.'s own per-state count, not a national baseline.

Ohio

19
Idaho

5
Pennsylvania

5
Florida

2
Michigan

2
New York

2
North Carolina

2
Texas

2

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for FirstCredit, 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: 43.

4 peers

Know your rights before responding to FirstCredit, 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.