What is the most common complaint against Immediate Credit Recovery?

The most common issue consumers report about Immediate Credit Recovery is "Attempts to collect debt not owed", specifically "Didn't receive enough information to verify debt". This is based on 142 complaints filed with the CFPB.

Are complaints against Immediate Credit Recovery increasing or decreasing?

Complaints against Immediate Credit Recovery are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Immediate Credit Recovery's reputation grade?

Immediate Credit Recovery has a reputation grade of D (score: 54.9/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Immediate Credit Recovery respond to consumer complaints?

Immediate Credit Recovery has a 94% timely response rate to CFPB complaints. Consumers disputed the company's response in 18% of cases.

In how many states does Immediate Credit Recovery operate?

Immediate Credit Recovery has received CFPB complaints from consumers in 29 states, with the most complaints from New York (29 complaints).

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

Immediate Credit Recovery - Debt Collector Complaint Profile

CFPB complaint profile across 29 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

31
Written notification about debt

28
Communication tactics

19
False statements or representation

15
Disclosure verification of debt

14
Cont'd attempts collect debt not owed

13

Data updated September 2026

CFPB complaint disposition

CCDB record immediate-credit-recovery Immediate Credit Recovery

Grade D · 142 CFPB filings · 94% timely · lead issue: Attempts to collect debt not owed · vol #680 · compose #3355

VOL 142
GRADE D
12MO 0
STATES 29
TIMELY 94%
DISPUTE 18%
ISSUE Attempts to collect debt n…
RANK #680
COMPOSE #3,355

Volume peers

Nearest volume peer: Bbva Financial Corporation (143 complaints)

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

Immediate Credit Recovery's 142 CFPB complaints sit next to Bbva Financial Corporation 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 →

Steady monthly series

New York is the plurality state for Immediate Credit Recovery (20.4%)

Volume rank #680 and composite rank #3,355 diverge by 2,675 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: New York 20.4%; Mid-band (15–30%) · 29 states with ≥1 filing
Even monthly load: Peak under 8%; Highest month 2023-10 at 7.8% (4 filings)
Divergent corpus ranks: #680 volume; #3,355 composite; Cleanest-composite ladder is 2,675 places worse than volume

How does Immediate Credit Recovery compare to its peers?

How does Immediate Credit Recovery compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Immediate Credit Recov… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

94%

87%

91%

Consumer-dispute ratelower is better

18%

21%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-04 2026-02

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	31
Written notification about debt	28
Communication tactics	19
False statements or representation	15
Disclosure verification of debt	14
Cont'd attempts collect debt not owed	13
Took or threatened to take negative or legal action	12
Taking/threatening an illegal action	5
Improper contact or sharing of info	4
Threatened to contact someone or share information improperly	1

Where do complaints against Immediate Credit Recovery come from?

Immediate Credit Recovery's own per-state count, not a national baseline.

New York

29
Texas

18
Florida

11
California

9
Georgia

9
Ohio

9
Virginia

6
Pennsylvania

4

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Immediate Credit Recovery: 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: 142.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 93.7062937062937%.

4 peers

Know your rights before responding to Immediate Credit Recovery: 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.