What is the most common complaint against L.B.Gray LLC A Debt Collection Agency?

The most common issue consumers report about L.B.Gray LLC A Debt Collection Agency 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 L.B.Gray LLC A Debt Collection Agency increasing or decreasing?

Complaints against L.B.Gray LLC A Debt Collection Agency are rising. The company received 15 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is L.B.Gray LLC A Debt Collection Agency's reputation grade?

L.B.Gray LLC A Debt Collection Agency has a reputation grade of B (score: 67.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does L.B.Gray LLC A Debt Collection Agency respond to consumer complaints?

L.B.Gray LLC A Debt Collection Agency has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does L.B.Gray LLC A Debt Collection Agency operate?

L.B.Gray LLC A Debt Collection Agency has received CFPB complaints from consumers in 12 states, with the most complaints from Indiana (21 complaints).

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

L.B.Gray LLC A Debt Collection Agency - Debt Collector Complaint Profile

CFPB complaint profile across 12 states, reputation grade B.

Compiled by PlainCollector

Attempts to collect debt not owed

16
Written notification about debt

8
False statements or representation

8
Took or threatened to take negative or legal action

7
Disclosure verification of debt

2
Communication tactics

1

Data updated September 2026

CFPB complaint disposition

CCDB record lbgray-llc-a-debt-collection-agency L.B.Gray LLC A Debt Collection Agency

Grade B · 43 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #1302 · compose #1591

VOL 43
GRADE B
12MO 15
STATES 12
TIMELY 100%
DISPUTE 0%
ISSUE Attempts to collect debt n…
RANK #1,302
COMPOSE #1,591

Volume peers

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

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

L.B.Gray LLC A Debt Collection Agency'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 →

State-heavy filing map

48.8% of L.B.Gray LLC A Debt Collection Agency's CFPB filings land in Indiana

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state: Indiana 48.8%; 21 of 43 filings · 12 states touched
Seasonal peak: 2025-12 12.1%; 8–15% band · 4 filings
Corpus ranks: #1,302 volume; #1,591 composite; Among 5,420 volume-ranked / 5,278 scored collectors

How does L.B.Gray LLC A Debt Collection Agency compare to its peers?

How does L.B.Gray LLC A Debt Collection Agency compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

L.B.Gray LLC A Debt Co… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

19%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2022-06 2025-12

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	16
Written notification about debt	8
False statements or representation	8
Took or threatened to take negative or legal action	7
Disclosure verification of debt	2
Communication tactics	1
Cont'd attempts collect debt not owed	1

Where do complaints against L.B.Gray LLC A Debt Collection Agency come from?

L.B.Gray LLC A Debt Collection Agency's own per-state count, not a national baseline.

Indiana

21
Florida

5
Georgia

3
Kentucky

3
Idaho

2
Michigan

2
Ohio

2
Illinois

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for L.B.Gray LLC A Debt Collection Agency: 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 L.B.Gray LLC A Debt Collection Agency: 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.