Total CFPB complaints
75
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 75 complaints
Illinois Collection Service, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 11 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Illinois Collection Service, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
27 complaints
- Cont'd attempts collect debt not owed 10
Cont'd attempts collect debt not owed
10 complaints
- Communication tactics 6
Communication tactics
6 complaints
- Took or threatened to take negative or legal action 6
Took or threatened to take negative or legal action
6 complaints
- Disclosure verification of debt 5
Disclosure verification of debt
5 complaints
- False statements or representation 5
False statements or representation
5 complaints
D
Grade D · 58.6/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Illinois Collection Service, Inc.?
Illinois Collection Service, Inc. has accumulated 75 total CFPB complaints across 11 states, with 0 filed in the most recent 12 months against 75 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 83% timely-response rate against a 9% 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 11 states, led by Illinois with 61 and California with 3, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 58.6/100 places Illinois Collection Service, Inc. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Falling ↓
States active
11
Distinct state filings
Timely response rate
83%
Within CFPB SLA window
Consumer disputes
9%
After company response
Reputation grade
D
58.6/100 composite
Response-quality profile
How Illinois Collection Service, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 82.7%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 18.2%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 19.6%
Share of US states + territories with at least one filed complaint against this collector.
How does Illinois Collection Service, Inc. compare to its peers?
Illinois Collection Se… 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)
2019-06 2024-05
Top Consumer Issues
Attempts to collect debt not owed27 (%)
Communication tactics6 (%)
Took or threatened to take negative or legal action6 (%)
Cont'd attempts collect debt not owed10 (%)
Disclosure verification of debt5 (%)
False statements or representation5 (%)
Written notification about debt4 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 14 |
| Attempts to collect debt not owed | Debt was result of identity theft | 7 |
| Communication tactics | Frequent or repeated calls | 6 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 6 |
| Attempts to collect debt not owed | Debt was paid | 6 |
| Cont'd attempts collect debt not owed | Debt was paid | 5 |
| Disclosure verification of debt | Not given enough info to verify debt | 5 |
| Cont'd attempts collect debt not owed | Debt is not mine | 5 |
| False statements or representation | Attempted to collect wrong amount | 5 |
| Written notification about debt | Didn't receive enough information to verify debt | 4 |
Where do complaints against Illinois Collection Service, Inc. come from?
The states where consumers have filed the most CFPB complaints against Illinois Collection Service, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Illinois Collection Service, Inc.
Across 11 states with at least one filing
- Illinois
Illinois
61 complaints
- California 3
California
3 complaints
- Arizona 2
Arizona
2 complaints
- Indiana 2
Indiana
2 complaints
- Pennsylvania 1
Pennsylvania
1 complaints
- Texas 1
Texas
1 complaints
- Florida 1
Florida
1 complaints
- Oregon 1
Oregon
1 complaints
Frequently Asked Questions
What is the most common complaint against Illinois Collection Service, Inc.? ▼
The most common issue consumers report about Illinois Collection Service, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 75 complaints filed with the CFPB.
Are complaints against Illinois Collection Service, Inc. increasing or decreasing? ▼
Complaints against Illinois Collection Service, Inc. are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.
What is Illinois Collection Service, Inc.'s reputation grade? ▼
Illinois Collection Service, Inc. has a reputation grade of D (score: 58.6/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Illinois Collection Service, Inc. respond to consumer complaints? ▼
Illinois Collection Service, Inc. has a 83% timely response rate to CFPB complaints. Consumers disputed the company's response in 9% of cases.
In how many states does Illinois Collection Service, Inc. operate? ▼
Illinois Collection Service, Inc. has received CFPB complaints from consumers in 11 states, with the most complaints from Illinois (61 complaints).
What can I do if Illinois Collection Service, 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 Illinois Collection Service, 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 |