What is the most common complaint against Innovative Credit Solutions?

The most common issue consumers report about Innovative Credit Solutions is "Disclosure verification of debt", specifically "Right to dispute notice not received". This is based on 13 complaints filed with the CFPB.

Are complaints against Innovative Credit Solutions increasing or decreasing?

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

What is Innovative Credit Solutions's reputation grade?

Innovative Credit Solutions has a reputation grade of D (score: 55.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Innovative Credit Solutions respond to consumer complaints?

Innovative Credit Solutions has a 85% timely response rate to CFPB complaints. Consumers disputed the company's response in 45% of cases.

In how many states does Innovative Credit Solutions operate?

Innovative Credit Solutions has received CFPB complaints from consumers in 9 states, with the most complaints from Arizona (2 complaints).

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

Innovative Credit Solutions - Debt Collector Complaint Profile

CFPB complaint profile across 9 states, reputation grade D.

Compiled by PlainCollector

Disclosure verification of debt

6
Written notification about debt

2
Taking/threatening an illegal action

2
False statements or representation

1
Communication tactics

1
Improper contact or sharing of info

1

Data updated September 2026

CFPB complaint disposition

CCDB record innovative-credit-solutions Innovative Credit Solutions

Grade D · 13 CFPB filings · 85% timely · lead issue: Disclosure verification of debt · vol #2257 · compose #3240

VOL 13
GRADE D
12MO 0
STATES 9
TIMELY 85%
DISPUTE 45%
ISSUE Disclosure verification of…
RANK #2,257
COMPOSE #3,240

Volume peers

Nearest volume peer: 3rd Generation, Inc. (13 complaints)

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

Innovative Credit Solutions's 13 CFPB complaints sit next to 3rd Generation, Inc. 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 →

Spiky monthly series

Arizona is the plurality state for Innovative Credit Solutions (15.4%)

The 2025-04 spike coincides with a 983-place gap between volume rank #2,257 and composite #3,240. Corpus placement method.

Plurality state: Arizona 15.4%; Mid-band (15–30%) · 9 states with ≥1 filing
Spike month: 2025-04 18.2%; 2 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #2,257 volume; #3,240 composite; Cleanest-composite ladder is 983 places worse than volume

How does Innovative Credit Solutions compare to its peers?

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

Innovative Credit Solu… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

85%

100%

91%

Consumer-dispute ratelower is better

45%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-10 2026-01

Issue Detail Breakdown

Issue	Complaints
Disclosure verification of debt	6
Written notification about debt	2
Taking/threatening an illegal action	2
False statements or representation	1
Communication tactics	1
Improper contact or sharing of info	1

Where do complaints against Innovative Credit Solutions come from?

Innovative Credit Solutions's own per-state count, not a national baseline.

Arizona

2
California

2
Maine

2
Pennsylvania

2
Florida

1
Illinois

1
Nevada

1
New Hampshire

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Innovative Credit Solutions: 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: 13.

4 peers

Know your rights before responding to Innovative Credit Solutions: 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.