Total CFPB complaints
13
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 13 complaints
Innovative Credit Solutions — Debt Collector Complaint Profile
CFPB complaint profile across 9 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Innovative Credit Solutions
- Disclosure verification of debt
Disclosure verification of debt
6 complaints
- Taking/threatening an illegal action 2
Taking/threatening an illegal action
2 complaints
- Written notification about debt 2
Written notification about debt
2 complaints
- False statements or representation 1
False statements or representation
1 complaints
- Improper contact or sharing of info 1
Improper contact or sharing of info
1 complaints
- Communication tactics 1
Communication tactics
1 complaints
C
Grade C · 60.0/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Innovative Credit Solutions?
Innovative Credit Solutions has accumulated 13 total CFPB complaints across 9 states, with 0 filed in the most recent 12 months against 13 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 "Disclosure verification of debt", narrowing to "Right to dispute notice not received", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 85% timely-response rate against a 45% 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 9 states, led by Arizona with 2 and California with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 60.0/100 places Innovative Credit Solutions in grade band C, 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
9
Distinct state filings
Timely response rate
85%
Within CFPB SLA window
Consumer disputes
45%
After company response
Reputation grade
C
60.0/100 composite
Response-quality profile
How Innovative Credit Solutions performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 84.6%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 90.9%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 16.1%
Share of US states + territories with at least one filed complaint against this collector.
How does Innovative Credit Solutions compare to its peers?
Innovative Credit Solu… 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)
2015-08 2019-05
Top Consumer Issues
Disclosure verification of debt6 (%)
Taking/threatening an illegal action2 (%)
False statements or representation1 (%)
Written notification about debt2 (%)
Improper contact or sharing of info1 (%)
Communication tactics1 (%)
Most common issue: Disclosure verification of debt — Right to dispute notice not received
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 |
|---|---|---|
| Disclosure verification of debt | Right to dispute notice not received | 3 |
| Taking/threatening an illegal action | Threatened to sue on too old debt | 2 |
| Disclosure verification of debt | Not given enough info to verify debt | 2 |
| False statements or representation | Attempted to collect wrong amount | 1 |
| Written notification about debt | Didn't receive enough information to verify debt | 1 |
| Disclosure verification of debt | Not disclosed as an attempt to collect | 1 |
| Written notification about debt | Didn't receive notice of right to dispute | 1 |
| Improper contact or sharing of info | Contacted employer after asked not to | 1 |
| Communication tactics | Frequent or repeated calls | 1 |
Where do complaints against Innovative Credit Solutions come from?
The states where consumers have filed the most CFPB complaints against Innovative Credit Solutions. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Innovative Credit Solutions
Across 9 states with at least one filing
- Arizona
Arizona
2 complaints
- California
California
2 complaints
- Maine
Maine
2 complaints
- Pennsylvania
Pennsylvania
2 complaints
- Nevada
Nevada
1 complaints
- Wisconsin
Wisconsin
1 complaints
- Illinois
Illinois
1 complaints
- Florida
Florida
1 complaints
Frequently Asked Questions
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 have been stable. The company received 0 complaints in the last 12 months.
What is Innovative Credit Solutions's reputation grade? ▼
Innovative Credit Solutions has a reputation grade of C (score: 60.0/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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).
What can I do if Innovative Credit Solutions 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 Credit Solutions 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 |