Total CFPB complaints
4
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 4 complaints
Innovative Debt Recovery, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 2 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Innovative Debt Recovery, Inc.
- Taking/threatening an illegal action
Taking/threatening an illegal action
1 complaints
- Threatened to contact someone or share information improperly
Threatened to contact someone or share information improperly
1 complaints
- False statements or representation
False statements or representation
1 complaints
- Communication tactics
Communication tactics
1 complaints
F
Grade F · 49.4/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Innovative Debt Recovery, Inc.?
Innovative Debt Recovery, Inc. has accumulated 4 total CFPB complaints across 2 states, with 0 filed in the most recent 12 months against 4 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 "Taking/threatening an illegal action", narrowing to "Threatened to sue on too old debt", 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 2 states, led by Arizona with 3 and South Carolina with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 49.4/100 places Innovative Debt Recovery, Inc. 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
0
0.0% of total history
Stable →
States active
2
Distinct state filings
Timely response rate
0%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
F
49.4/100 composite
Response-quality profile
How Innovative Debt Recovery, Inc. 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 3.6%
Share of US states + territories with at least one filed complaint against this collector.
How does Innovative Debt Recovery, Inc. compare to its peers?
Innovative Debt Recove… 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)
2014-08 2018-06
Top Consumer Issues
Taking/threatening an illegal action1 (%)
Threatened to contact someone or share information improperly1 (%)
False statements or representation1 (%)
Communication tactics1 (%)
Most common issue: Taking/threatening an illegal action — Threatened to sue on too old 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 |
|---|---|---|
| Taking/threatening an illegal action | Threatened to sue on too old debt | 1 |
| Threatened to contact someone or share information improperly | Contacted your employer | 1 |
| False statements or representation | Attempted to collect wrong amount | 1 |
| Communication tactics | Frequent or repeated calls | 1 |
Where do complaints against Innovative Debt Recovery, Inc. come from?
The states where consumers have filed the most CFPB complaints against Innovative Debt Recovery, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Innovative Debt Recovery, Inc.
Across 2 states with at least one filing
- Arizona
Arizona
3 complaints
- South Carolina 1
South Carolina
1 complaints
Frequently Asked Questions
What is the most common complaint against Innovative Debt Recovery, Inc.? ▼
The most common issue consumers report about Innovative Debt Recovery, Inc. is "Taking/threatening an illegal action", specifically "Threatened to sue on too old debt". This is based on 4 complaints filed with the CFPB.
Are complaints against Innovative Debt Recovery, Inc. increasing or decreasing? ▼
Complaints against Innovative Debt Recovery, Inc. have been stable. The company received 0 complaints in the last 12 months.
What is Innovative Debt Recovery, Inc.'s reputation grade? ▼
Innovative Debt Recovery, Inc. has a reputation grade of F (score: 49.4/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does Innovative Debt Recovery, Inc. respond to consumer complaints? ▼
Innovative Debt Recovery, Inc. 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 Debt Recovery, Inc. operate? ▼
Innovative Debt Recovery, Inc. has received CFPB complaints from consumers in 2 states, with the most complaints from Arizona (3 complaints).
What can I do if Innovative Debt Recovery, Inc. 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 Debt Recovery, Inc. 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 |