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

CFPB complaint data Grade D 78 complaints

Merchants Credit Bureau, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 16 states, reputation grade D.

Complaints by issue type

What consumers report about Merchants Credit Bureau, Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

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 78
  • GRADE D
  • 12MO 18
  • STATES 16
  • TIMELY 75%
  • DISPUTE 9%
  • ISSUE Attempts to collect debt n…
  • RANK #938
  • COMPOSE Not ranked

Volume peers

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

Autovest, L.L.C.Autovest, L.L.C.78Carvana Group, LLCCarvana Group, LLC78Schreiber Law LLCSchreiber Law LLC78U.S. Auto Credit CorporationU.S. Auto Credit Corporation78Merchants Credit Bureau, Inc. (this)Merchants Credit Bureau, Inc…78
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 →

How the 78 complaints break down

Every complaint issue type on record for Merchants Credit Bureau, Inc., not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
52.7/100
Merchants Credit Bureau, Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
78
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response B
75%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
9%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend C
Stable
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

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

Concentration is computed from this collector's company_states rows only, not a national baseline. 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
Corpus ranks
#938 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

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 Bureau, Inc. National average
Complaints (last 12 mo)lower is better
18
19
268
Timely-response ratehigher is better
75%
99%
91%
Consumer-dispute ratelower is better
9%
0%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Merchants Credit Bureau, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 8 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 40%60%80%100% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Merchants Credit Bureau, Inc. vs. 7 similar-volume peers, by response speed and dispute rate Merchants Credit Bureau, Inc.Schreiber Law LLCAutovest, L.L.C.U.S. Auto Credit CorporationZenith Financial Network IncSortis Financial, Inc.National Management Recovery Corp. (NMRC)Concentric Receivables Management, Ltd.
Source: CFPB Consumer Complaint Database

Merchants Credit Bureau, Inc.'s complaint volume in context

Merchants Credit Bureau, Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

78 Top 17% higher than 83% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). This entry sits in this band. 80–100: 112 collectors (2%). Above this entry. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Merchants Credit Bureau, Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Stable →
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.

Top states by complaints against Merchants Credit Bureau, Inc.

Across 16 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

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.