What is the most common complaint against Merchants Credit Bureau, Inc.?

The most common issue consumers report about Merchants Credit Bureau, Inc. is "Attempts to collect debt not owed", specifically "Didn't receive enough information to verify debt". This is based on 78 complaints filed with the CFPB.

Are complaints against Merchants Credit Bureau, Inc. increasing or decreasing?

Complaints against Merchants Credit Bureau, Inc. have been stable. The company received 18 complaints in the last 12 months.

What is Merchants Credit Bureau, Inc.'s reputation grade?

Merchants Credit Bureau, Inc. has a reputation grade of D (score: 52.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Merchants Credit Bureau, Inc. respond to consumer complaints?

Merchants Credit Bureau, Inc. has a 75% timely response rate to CFPB complaints. Consumers disputed the company's response in 9% of cases.

In how many states does Merchants Credit Bureau, Inc. operate?

Merchants Credit Bureau, Inc. has received CFPB complaints from consumers in 16 states, with the most complaints from Georgia (46 complaints).

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

Merchants Credit Bureau, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 16 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

27
Written notification about debt

20
False statements or representation

13
Took or threatened to take negative or legal action

8
Cont'd attempts collect debt not owed

5
Communication tactics

3

Data updated September 2026

CFPB complaint disposition

CCDB record merchants-credit-bureau-inc Merchants Credit Bureau, Inc.

Grade D · 78 CFPB filings · 75% timely · lead issue: Attempts to collect debt not owed · vol #938 · compose #3769

VOL 78
GRADE D
12MO 18
STATES 16
TIMELY 75%
DISPUTE 9%
ISSUE Attempts to collect debt n…
RANK #938
COMPOSE #3,769

Volume peers

Nearest volume peer: Autovest, L.L.C. (78 complaints)

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

Merchants Credit Bureau, Inc.'s 78 CFPB complaints sit next to Autovest, L.L.C. 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

59.0% of Merchants Credit Bureau, Inc.'s CFPB filings land in Georgia

High volume does not equal a clean composite: Merchants Credit Bureau, Inc. is volume #938 but composite #3,769, while Georgia dominates the geography. Corpus placement method.

Dominant state: Georgia 59.0%; 46 of 78 filings · 16 states touched
Seasonal peak: 2025-04 9.1%; 8–15% band · 3 filings
Divergent corpus ranks: #938 volume; #3,769 composite; Cleanest-composite ladder is 2,831 places worse than volume

How does Merchants Credit Bureau, Inc. compare to its peers?

How does Merchants Credit Bureau, 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

Merchants Credit Burea… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

75%

99%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-03 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	27
Written notification about debt	20
False statements or representation	13
Took or threatened to take negative or legal action	8
Cont'd attempts collect debt not owed	5
Communication tactics	3
Disclosure verification of debt	1
Threatened to contact someone or share information improperly	1

Where do complaints against Merchants Credit Bureau, Inc. come from?

Merchants Credit Bureau, Inc.'s own per-state count, not a national baseline.

Georgia

46
South Carolina

12
Florida

5
Maryland

2
North Carolina

2
California

1
Colorado

1
Illinois

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Merchants Credit Bureau, 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: 78.

4 peers

Know your rights before responding to Merchants Credit Bureau, 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.