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 Solutions — Debt Collector Complaint Profile
CFPB complaint profile across 4 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Innovative Debt Solutions
- False statements or representation
False statements or representation
2 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
1 complaints
- Communication tactics
Communication tactics
1 complaints
A
Grade A · 79.2/100 composite
This collector has an excellent complaint record — very few complaints relative to its size, with high response rates.
What do CFPB complaints reveal about Innovative Debt Solutions?
Innovative Debt Solutions has accumulated 4 total CFPB complaints across 4 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 "False statements or representation", narrowing to "Attempted to collect wrong amount", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 25% 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 4 states, led by Kentucky with 1 and New Jersey 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 79.2/100 places Innovative Debt Solutions in grade band A, 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
4
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
25%
After company response
Reputation grade
A
79.2/100 composite
Response-quality profile
How Innovative Debt Solutions performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 50.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 7.1%
Share of US states + territories with at least one filed complaint against this collector.
How does Innovative Debt Solutions compare to its peers?
Innovative Debt Soluti… 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)
2014-05 2015-04
Top Consumer Issues
False statements or representation2 (%)
Cont'd attempts collect debt not owed1 (%)
Communication tactics1 (%)
Most common issue: False statements or representation — Attempted to collect wrong amount
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 |
|---|---|---|
| False statements or representation | Attempted to collect wrong amount | 1 |
| False statements or representation | Impersonated an attorney or official | 1 |
| Cont'd attempts collect debt not owed | Debt was paid | 1 |
| Communication tactics | Frequent or repeated calls | 1 |
Where do complaints against Innovative Debt Solutions come from?
The states where consumers have filed the most CFPB complaints against Innovative Debt Solutions. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Innovative Debt Solutions
Across 4 states with at least one filing
- Kentucky
Kentucky
1 complaints
- New Jersey
New Jersey
1 complaints
- Colorado
Colorado
1 complaints
- Michigan
Michigan
1 complaints
Frequently Asked Questions
What is the most common complaint against Innovative Debt Solutions? ▼
The most common issue consumers report about Innovative Debt Solutions is "False statements or representation", specifically "Attempted to collect wrong amount". This is based on 4 complaints filed with the CFPB.
Are complaints against Innovative Debt Solutions increasing or decreasing? ▼
Complaints against Innovative Debt Solutions have been stable. The company received 0 complaints in the last 12 months.
What is Innovative Debt Solutions's reputation grade? ▼
Innovative Debt Solutions has a reputation grade of A (score: 79.2/100). This collector has an excellent complaint record — very few complaints relative to its size, with high response rates.
Does Innovative Debt Solutions respond to consumer complaints? ▼
Innovative Debt Solutions has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 25% of cases.
In how many states does Innovative Debt Solutions operate? ▼
Innovative Debt Solutions has received CFPB complaints from consumers in 4 states, with the most complaints from Kentucky (1 complaints).
What can I do if Innovative Debt 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 Debt 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 |