Total CFPB complaints
68
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 68 complaints
Merchants Credit Bureau, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 15 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Merchants Credit Bureau, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
21 complaints
- Written notification about debt
Written notification about debt
19 complaints
- False statements or representation
False statements or representation
11 complaints
- Took or threatened to take negative or legal action 6
Took or threatened to take negative or legal action
6 complaints
- Cont'd attempts collect debt not owed 5
Cont'd attempts collect debt not owed
5 complaints
- Communication tactics 2
Communication tactics
2 complaints
D
Grade D · 56.3/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Merchants Credit Bureau, Inc.?
Merchants Credit Bureau, Inc. has accumulated 68 total CFPB complaints across 15 states, with 11 filed in the most recent 12 months against 57 historical complaints before that window. The trailing-12-month volume represents 16.2% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
The dominant consumer grievance logged with the CFPB is "Written notification about debt", narrowing to "Didn't receive enough information to verify debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 75% timely-response rate against a 9% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 15 states, led by Georgia with 37 and South Carolina with 12, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 56.3/100 places Merchants Credit Bureau, Inc. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
11
16.2% of total history
Falling ↓
States active
15
Distinct state filings
Timely response rate
75%
Within CFPB SLA window
Consumer disputes
9%
After company response
Reputation grade
D
56.3/100 composite
Response-quality profile
How Merchants Credit Bureau, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 75.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 18.2%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 26.8%
Share of US states + territories with at least one filed complaint against this collector.
How does Merchants Credit Bureau, Inc. compare to its peers?
Merchants Credit Burea… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2021-09 2026-02
Top Consumer Issues
Written notification about debt19 (%)
False statements or representation11 (%)
Attempts to collect debt not owed21 (%)
Cont'd attempts collect debt not owed5 (%)
Took or threatened to take negative or legal action6 (%)
Communication tactics2 (%)
Most common issue: Written notification about debt — Didn't receive enough information to verify debt
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Written notification about debt | Didn't receive enough information to verify debt | 11 |
| False statements or representation | Attempted to collect wrong amount | 11 |
| Attempts to collect debt not owed | Debt was result of identity theft | 11 |
| Written notification about debt | Didn't receive notice of right to dispute | 8 |
| Attempts to collect debt not owed | Debt is not yours | 6 |
| Cont'd attempts collect debt not owed | Debt is not mine | 5 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 4 |
| Attempts to collect debt not owed | Debt was paid | 4 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 2 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 2 |
Where do complaints against Merchants Credit Bureau, Inc. come from?
The states where consumers have filed the most CFPB complaints against Merchants Credit Bureau, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Merchants Credit Bureau, Inc.
Across 15 states with at least one filing
- Georgia
Georgia
37 complaints
- South Carolina 12
South Carolina
12 complaints
- Florida 5
Florida
5 complaints
- North Carolina 2
North Carolina
2 complaints
- Maryland 2
Maryland
2 complaints
- Ohio 1
Ohio
1 complaints
- Missouri 1
Missouri
1 complaints
- California 1
California
1 complaints
Frequently Asked Questions
What is the most common complaint against Merchants Credit Bureau, Inc.? ▼
The most common issue consumers report about Merchants Credit Bureau, Inc. is "Written notification about debt", specifically "Didn't receive enough information to verify debt". This is based on 68 complaints filed with the CFPB.
Are complaints against Merchants Credit Bureau, Inc. increasing or decreasing? ▼
Complaints against Merchants Credit Bureau, Inc. are falling. The company received 11 complaints in the last 12 months, showing improvement over prior periods.
What is Merchants Credit Bureau, Inc.'s reputation grade? ▼
Merchants Credit Bureau, Inc. has a reputation grade of D (score: 56.3/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 15 states, with the most complaints from Georgia (37 complaints).
What can I do if Merchants Credit Bureau, Inc. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Merchants Credit Bureau, Inc. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |