What is the most common complaint against Interstate Recovery Service, Inc.?

The most common issue consumers report about Interstate Recovery Service, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 43 complaints filed with the CFPB.

Are complaints against Interstate Recovery Service, Inc. increasing or decreasing?

Complaints against Interstate Recovery Service, Inc. are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Interstate Recovery Service, Inc.'s reputation grade?

Interstate Recovery Service, Inc. has a reputation grade of F (score: 37.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Interstate Recovery Service, Inc. respond to consumer complaints?

Interstate Recovery Service, Inc. has a 23% timely response rate to CFPB complaints. Consumers disputed the company's response in 6% of cases.

In how many states does Interstate Recovery Service, Inc. operate?

Interstate Recovery Service, Inc. has received CFPB complaints from consumers in 21 states, with the most complaints from California (6 complaints).

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

Interstate Recovery Service, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 21 states, reputation grade F.

Compiled by PlainCollector

Attempts to collect debt not owed

16
Communication tactics

10
Cont'd attempts collect debt not owed

8
False statements or representation

4
Written notification about debt

2
Took or threatened to take negative or legal action

2

Data updated September 2026

CFPB complaint disposition

CCDB record interstate-recovery-service-inc Interstate Recovery Service, Inc.

Grade F · 43 CFPB filings · 23% timely · lead issue: Attempts to collect debt not owed · vol #1300 · compose #5050

VOL 43
GRADE F
12MO 0
STATES 21
TIMELY 23%
DISPUTE 6%
ISSUE Attempts to collect debt n…
RANK #1,300
COMPOSE #5,050

Volume peers

Nearest volume peer: Access Credit Management, Inc. (43 complaints)

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

Interstate Recovery Service, Inc.'s 43 CFPB complaints sit next to Access Credit Management, 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 →

Distributed filing map

Interstate Recovery Service, Inc. spreads filings across 21 states - California leads at only 14.0%

Despite a broad state map, Interstate Recovery Service, Inc. still sits volume #1,300 against composite #5,050 - the two RankMaps diverge by 3,750 places. Corpus placement method.

Most-even geography: Lead state under 15%; California still leads at 14.0% across 21 states
Seasonal peak: 2021-08 10.0%; 8–15% band · 3 filings
Divergent corpus ranks: #1,300 volume; #5,050 composite; Cleanest-composite ladder is 3,750 places worse than volume

How does Interstate Recovery Service, Inc. compare to its peers?

How does Interstate Recovery Service, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Interstate Recovery Se… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

23%

98%

91%

Consumer-dispute ratelower is better

15%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2018-10 2023-10

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	16
Communication tactics	10
Cont'd attempts collect debt not owed	8
False statements or representation	4
Written notification about debt	2
Took or threatened to take negative or legal action	2
Disclosure verification of debt	1

Where do complaints against Interstate Recovery Service, Inc. come from?

Interstate Recovery Service, Inc.'s own per-state count, not a national baseline.

California

6
Texas

5
Oklahoma

3
Oregon

3
Florida

2
Georgia

2
Massachusetts

2
Minnesota

2

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Interstate Recovery Service, Inc.: 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: 43.

4 peers

Know your rights before responding to Interstate Recovery Service, Inc.: 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.