What is the most common complaint against Liberty Holdings, LLC?

The most common issue consumers report about Liberty Holdings, LLC is "Cont'd attempts collect debt not owed", specifically "Debt is not mine". This is based on 50 complaints filed with the CFPB.

Are complaints against Liberty Holdings, LLC increasing or decreasing?

Complaints against Liberty Holdings, LLC are falling. The company received 2 complaints in the last 12 months, showing improvement over prior periods.

What is Liberty Holdings, LLC's reputation grade?

Liberty Holdings, LLC has a reputation grade of F (score: 44.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Liberty Holdings, LLC respond to consumer complaints?

Liberty Holdings, LLC has a 55% timely response rate to CFPB complaints. Consumers disputed the company's response in 18% of cases.

In how many states does Liberty Holdings, LLC operate?

Liberty Holdings, LLC has received CFPB complaints from consumers in 13 states, with the most complaints from Colorado (17 complaints).

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

Liberty Holdings, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 13 states, reputation grade F.

Compiled by PlainCollector

Cont'd attempts collect debt not owed

11
Taking/threatening an illegal action

10
Took or threatened to take negative or legal action

6
False statements or representation

5
Communication tactics

4
Disclosure verification of debt

4

Data updated September 2026

CFPB complaint disposition

CCDB record liberty-holdings-llc Liberty Holdings, LLC

Grade F · 50 CFPB filings · 55% timely · lead issue: Cont'd attempts collect debt not owed · vol #1187 · compose #4758

VOL 50
GRADE F
12MO 2
STATES 13
TIMELY 55%
DISPUTE 18%
ISSUE Cont'd attempts collect de…
RANK #1,187
COMPOSE #4,758

Volume peers

Nearest volume peer: Budget Control Services, Inc. (50 complaints)

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

Liberty Holdings, LLC's 50 CFPB complaints sit next to Budget Control Services, 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

34.0% of Liberty Holdings, LLC's CFPB filings land in Colorado

High volume does not equal a clean composite: Liberty Holdings, LLC is volume #1,187 but composite #4,758, while Colorado dominates the geography. Corpus placement method.

Dominant state: Colorado 34.0%; 17 of 50 filings · 13 states touched
Seasonal peak: 2025-03 10.0%; 8–15% band · 3 filings
Divergent corpus ranks: #1,187 volume; #4,758 composite; Cleanest-composite ladder is 3,571 places worse than volume

How does Liberty Holdings, LLC compare to its peers?

How does Liberty Holdings, LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Liberty Holdings, LLC National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

55%

74%

91%

Consumer-dispute ratelower is better

18%

16%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2022-05 2025-11

Issue Detail Breakdown

Issue	Complaints
Cont'd attempts collect debt not owed	11
Taking/threatening an illegal action	10
Took or threatened to take negative or legal action	6
False statements or representation	5
Communication tactics	4
Disclosure verification of debt	4
Threatened to contact someone or share information improperly	4
Attempts to collect debt not owed	3
Improper contact or sharing of info	2
Written notification about debt	1

Where do complaints against Liberty Holdings, LLC come from?

Liberty Holdings, LLC's own per-state count, not a national baseline.

Colorado

17
Oregon

10
Utah

6
California

4
Texas

3
Washington

3
Alabama

1
Georgia

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Liberty Holdings, LLC: 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: 50.

4 peers

Know your rights before responding to Liberty Holdings, LLC: 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.