Total CFPB complaints
143
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 143 complaints
Immediate Credit Recovery — Debt Collector Complaint Profile
CFPB complaint profile across 29 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Immediate Credit Recovery
- Written notification about debt
Written notification about debt
26 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
24 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
13 complaints
- Disclosure verification of debt
Disclosure verification of debt
13 complaints
- Communication tactics
Communication tactics
11 complaints
- False statements or representation
False statements or representation
11 complaints
D
Grade D · 58.2/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Immediate Credit Recovery?
Immediate Credit Recovery has accumulated 143 total CFPB complaints across 29 states, with 0 filed in the most recent 12 months against 143 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Written notification about debt", narrowing to "Didn't receive enough information to verify debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 94% timely-response rate against a 18% 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 29 states, led by New York with 29 and Texas with 18, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 58.2/100 places Immediate Credit Recovery 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
Stable →
States active
29
Distinct state filings
Timely response rate
94%
Within CFPB SLA window
Consumer disputes
18%
After company response
Reputation grade
D
58.2/100 composite
Response-quality profile
How Immediate Credit Recovery performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 93.7%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 35.3%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 51.8%
Share of US states + territories with at least one filed complaint against this collector.
How does Immediate Credit Recovery compare to its peers?
Immediate Credit Recov… 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)
2019-07 2023-05
Top Consumer Issues
Written notification about debt26 (%)
Attempts to collect debt not owed24 (%)
Cont'd attempts collect debt not owed13 (%)
Communication tactics11 (%)
False statements or representation11 (%)
Disclosure verification of debt13 (%)
Took or threatened to take negative or legal action6 (%)
Most common issue: Written notification about debt — Didn't receive enough information to verify 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 |
|---|---|---|
| Written notification about debt | Didn't receive enough information to verify debt | 16 |
| Attempts to collect debt not owed | Debt is not yours | 14 |
| Cont'd attempts collect debt not owed | Debt is not mine | 13 |
| Communication tactics | Frequent or repeated calls | 11 |
| False statements or representation | Attempted to collect wrong amount | 11 |
| Written notification about debt | Didn't receive notice of right to dispute | 10 |
| Attempts to collect debt not owed | Debt was paid | 10 |
| Disclosure verification of debt | Not given enough info to verify debt | 8 |
| Took or threatened to take negative or legal action | Collected or attempted to collect exempt funds | 6 |
| Disclosure verification of debt | Right to dispute notice not received | 5 |
Where do complaints against Immediate Credit Recovery come from?
The states where consumers have filed the most CFPB complaints against Immediate Credit Recovery. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Immediate Credit Recovery
Across 29 states with at least one filing
- New York
New York
29 complaints
- Texas
Texas
18 complaints
- Florida 11
Florida
11 complaints
- Georgia 9
Georgia
9 complaints
- Ohio 9
Ohio
9 complaints
- California 9
California
9 complaints
- Virginia 6
Virginia
6 complaints
- Pennsylvania 4
Pennsylvania
4 complaints
Frequently Asked Questions
What is the most common complaint against Immediate Credit Recovery? ▼
The most common issue consumers report about Immediate Credit Recovery is "Written notification about debt", specifically "Didn't receive enough information to verify debt". This is based on 143 complaints filed with the CFPB.
Are complaints against Immediate Credit Recovery increasing or decreasing? ▼
Complaints against Immediate Credit Recovery have been stable. The company received 0 complaints in the last 12 months.
What is Immediate Credit Recovery's reputation grade? ▼
Immediate Credit Recovery has a reputation grade of D (score: 58.2/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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).
What can I do if Immediate Credit Recovery 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 Immediate Credit Recovery 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 |