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

CFPB complaint data Grade D 142 complaints

Immediate Credit Recovery - Debt Collector Complaint Profile

CFPB complaint profile across 29 states, reputation grade D.

Complaints by issue type

What consumers report about Immediate Credit Recovery

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 58.2/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Immediate Credit Recovery ranks ahead of 36% of the 5,283 collectors PlainCollector grades - 64% keep a cleaner CFPB record, on 142 all-time complaints and a 94% timely-response rate.

36th pct
reputation rank of 5,283 graded collectors
142
CFPB complaints, all-time
94%
answered inside the CFPB window
0
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Immediate Credit Recovery?

Immediate Credit Recovery has accumulated 142 total CFPB complaints across 29 states, with 0 filed in the most recent 12 months against 142 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 "Didn't receive enough information to verify debt". The company posts a 94% timely-response rate against a 18% consumer-dispute-after-response rate.

Complaints have been recorded across 29 states, led by New York with 29 and Texas with 18. Normalized against the full CFPB collector database, the reputation score of 58.2/100 places Immediate Credit Recovery in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

142

mid-volume (CCDB)

Last 12 months

0

0.0% of all-time complaints

Falling ↓

States active

29

multi-region footprint

Timely response rate

94%

good band

Consumer disputes

18%

average (vertical avg ~19%)

Reputation grade

D

58.2/100 composite

How does Immediate Credit Recovery's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

58 36th percentile higher than 36% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Immediate Credit Recovery versus the debt-collection vertical average.

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) 17.6%
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?

How does Immediate Credit Recovery compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Immediate Credit Recov… National average
Complaints (last 12 mo)lower is better
0
31
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 Sub-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.

Top states by complaints against Immediate Credit Recovery

Across 29 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Immediate Credit Recovery contacts you

A grade of D signals how Immediate Credit Recovery's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Immediate Credit Recovery and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Immediate Credit Recovery ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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: 58.2/100), 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).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.