Total CFPB complaints
10
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 10 complaints
Internal Check Systems, LLC — 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 Internal Check Systems, LLC
- Taking/threatening an illegal action
Taking/threatening an illegal action
5 complaints
- Cont'd attempts collect debt not owed 1
Cont'd attempts collect debt not owed
1 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
- Took or threatened to take negative or legal action 1
Took or threatened to take negative or legal action
1 complaints
F
Grade F · 43.3/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Internal Check Systems, LLC?
Internal Check Systems, LLC has accumulated 10 total CFPB complaints across 9 states, with 0 filed in the most recent 12 months against 10 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 9 states, led by Florida with 2 and New York 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 43.3/100 places Internal Check Systems, 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
0
0.0% of total history
Stable →
States active
9
Distinct state filings
Timely response rate
0%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
F
43.3/100 composite
Response-quality profile
How Internal Check Systems, 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 16.1%
Share of US states + territories with at least one filed complaint against this collector.
How does Internal Check Systems, LLC compare to its peers?
Internal Check Systems… 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)
2015-06 2020-05
Top Consumer Issues
Taking/threatening an illegal action5 (%)
Cont'd attempts collect debt not owed1 (%)
False statements or representation1 (%)
Improper contact or sharing of info1 (%)
Communication tactics1 (%)
Took or threatened to take negative or legal action1 (%)
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 | 3 |
| Taking/threatening an illegal action | Sued w/o proper notification of suit | 1 |
| Cont'd attempts collect debt not owed | Debt was paid | 1 |
| False statements or representation | Impersonated attorney, law enforcement, or government official | 1 |
| Taking/threatening an illegal action | Threatened arrest/jail if do not pay | 1 |
| Improper contact or sharing of info | Contacted employer after asked not to | 1 |
| Communication tactics | Threatened to take legal action | 1 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 1 |
Where do complaints against Internal Check Systems, LLC come from?
The states where consumers have filed the most CFPB complaints against Internal Check Systems, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Internal Check Systems, LLC
Across 9 states with at least one filing
- Florida
Florida
2 complaints
- New York
New York
1 complaints
- California
California
1 complaints
- Nevada
Nevada
1 complaints
- Kentucky
Kentucky
1 complaints
- North Carolina
North Carolina
1 complaints
- Missouri
Missouri
1 complaints
- Illinois
Illinois
1 complaints
Frequently Asked Questions
What is the most common complaint against Internal Check Systems, LLC? ▼
The most common issue consumers report about Internal Check Systems, LLC is "Taking/threatening an illegal action", specifically "Threatened to sue on too old debt". This is based on 10 complaints filed with the CFPB.
Are complaints against Internal Check Systems, LLC increasing or decreasing? ▼
Complaints against Internal Check Systems, LLC have been stable. The company received 0 complaints in the last 12 months.
What is Internal Check Systems, LLC's reputation grade? ▼
Internal Check Systems, LLC has a reputation grade of F (score: 43.3/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does Internal Check Systems, LLC respond to consumer complaints? ▼
Internal Check Systems, 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 Internal Check Systems, LLC operate? ▼
Internal Check Systems, LLC has received CFPB complaints from consumers in 9 states, with the most complaints from Florida (2 complaints).
What can I do if Internal Check Systems, 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 Internal Check Systems, 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 |