Total CFPB complaints
21
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 21 complaints
Innovative Collections, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 6 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Innovative Collections, LLC
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
11 complaints
- Attempts to collect debt not owed 4
Attempts to collect debt not owed
4 complaints
- Written notification about debt 2
Written notification about debt
2 complaints
- False statements or representation 2
False statements or representation
2 complaints
- Taking/threatening an illegal action 1
Taking/threatening an illegal action
1 complaints
- Disclosure verification of debt 1
Disclosure verification of debt
1 complaints
F
Grade F · 38.5/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Innovative Collections, LLC?
Innovative Collections, LLC has accumulated 21 total CFPB complaints across 6 states, with 4 filed in the most recent 12 months against 17 historical complaints before that window. The trailing-12-month volume represents 19.0% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Cont'd attempts collect debt not owed", narrowing to "Debt is not mine", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 0% timely-response rate against a 0% 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 6 states, led by California with 13 and Texas with 4, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 38.5/100 places Innovative Collections, LLC in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
4
19.0% of total history
Rising ↑
States active
6
Distinct state filings
Timely response rate
0%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
F
38.5/100 composite
Response-quality profile
How Innovative Collections, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 0.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 10.7%
Share of US states + territories with at least one filed complaint against this collector.
How does Innovative Collections, LLC compare to its peers?
Innovative Collections… 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)
2014-07 2026-01
Top Consumer Issues
Cont'd attempts collect debt not owed11 (%)
Attempts to collect debt not owed4 (%)
Written notification about debt2 (%)
Taking/threatening an illegal action1 (%)
Disclosure verification of debt1 (%)
False statements or representation2 (%)
Most common issue: Cont'd attempts collect debt not owed — Debt is not mine
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 |
|---|---|---|
| Cont'd attempts collect debt not owed | Debt is not mine | 8 |
| Attempts to collect debt not owed | Debt is not yours | 4 |
| Cont'd attempts collect debt not owed | Debt was paid | 3 |
| Written notification about debt | Didn't receive enough information to verify debt | 2 |
| Taking/threatening an illegal action | Threatened to sue on too old debt | 1 |
| Disclosure verification of debt | Right to dispute notice not received | 1 |
| False statements or representation | Impersonated attorney, law enforcement, or government official | 1 |
| False statements or representation | Attempted to collect wrong amount | 1 |
Where do complaints against Innovative Collections, LLC come from?
The states where consumers have filed the most CFPB complaints against Innovative Collections, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Innovative Collections, LLC
Across 6 states with at least one filing
- California
California
13 complaints
- Texas 4
Texas
4 complaints
- Florida 1
Florida
1 complaints
- Georgia 1
Georgia
1 complaints
- Mississippi 1
Mississippi
1 complaints
- South Carolina 1
South Carolina
1 complaints
Frequently Asked Questions
What is the most common complaint against Innovative Collections, LLC? ▼
The most common issue consumers report about Innovative Collections, LLC is "Cont'd attempts collect debt not owed", specifically "Debt is not mine". This is based on 21 complaints filed with the CFPB.
Are complaints against Innovative Collections, LLC increasing or decreasing? ▼
Complaints against Innovative Collections, LLC are rising. The company received 4 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Innovative Collections, LLC's reputation grade? ▼
Innovative Collections, LLC has a reputation grade of F (score: 38.5/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does Innovative Collections, LLC respond to consumer complaints? ▼
Innovative Collections, LLC has a 0% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.
In how many states does Innovative Collections, LLC operate? ▼
Innovative Collections, LLC has received CFPB complaints from consumers in 6 states, with the most complaints from California (13 complaints).
What can I do if Innovative Collections, LLC 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 Innovative Collections, LLC 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 |