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

CFPB complaint data Grade C 24 complaints

Mirand Response Systems, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 11 states, reputation grade C.

Complaints by issue type

What consumers report about Mirand Response Systems, Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

C

Grade C · 63.6/100 composite

This collector has an average complaint record with moderate complaint volumes and typical response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of C: Mirand Response Systems, Inc. ranks ahead of 55% of the 5,283 collectors PlainCollector grades - 45% keep a cleaner CFPB record, on 24 all-time complaints and a 71% timely-response rate.

55th pct
reputation rank of 5,283 graded collectors
24
CFPB complaints, all-time
71%
answered inside the CFPB window
8
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Mirand Response Systems, Inc.?

Mirand Response Systems, Inc. has accumulated 24 total CFPB complaints across 11 states, with 8 filed in the most recent 12 months against 16 historical complaints before that window. The trailing-12-month volume represents 33.3% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.

The dominant consumer grievance logged with the CFPB is "Communication tactics", narrowing to "Frequent or repeated calls". The company posts a 71% timely-response rate against a 0% consumer-dispute-after-response rate.

Complaints have been recorded across 11 states, led by Texas with 6 and Virginia with 4. Normalized against the full CFPB collector database, the reputation score of 63.6/100 places Mirand Response Systems, Inc. in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

24

low-volume (CCDB)

Last 12 months

8

33.3% of all-time complaints

Rising ↑

States active

11

regional footprint

Timely response rate

71%

below sla band

Consumer disputes

0%

low (vertical avg ~19%)

Reputation grade

C

63.6/100 composite

How does Mirand Response Systems, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

64 55th percentile higher than 55% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). Below this entry. 60–70: 1,364 graded collectors (26%). This entry sits in this band. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Mirand Response Systems, Inc. versus the debt-collection vertical average.

Timely response within SLA 71.4%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 0.0%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 19.6%

Share of US states + territories with at least one filed complaint against this collector.

How does Mirand Response Systems, Inc. compare to its peers?

How does Mirand Response Systems, Inc. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Mirand Response System… National average
Complaints (last 12 mo)lower is better
8
0
268
Timely-response ratehigher is better
71%
96%
91%
Consumer-dispute ratelower is better
0%
27%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2016-08 2026-01

Issue Detail Breakdown

Issue Sub-Issue Complaints
Communication tactics - 11
Attempts to collect debt not owed - 3
False statements or representation - 3
Electronic communications - 3
Improper contact or sharing of info - 2
Written notification about debt - 1
Took or threatened to take negative or legal action - 1

Where do complaints against Mirand Response Systems, Inc. come from?

Mirand Response Systems, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Mirand Response Systems, Inc.

Across 11 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Mirand Response Systems, Inc. contacts you

A grade of C signals how Mirand Response Systems, Inc.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Mirand Response Systems, Inc. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Mirand Response Systems, Inc. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against Mirand Response Systems, Inc.? ▼

The most common issue consumers report about Mirand Response Systems, Inc. is "Communication tactics", specifically "Frequent or repeated calls". This is based on 24 complaints filed with the CFPB.

Are complaints against Mirand Response Systems, Inc. increasing or decreasing? ▼

Complaints against Mirand Response Systems, Inc. are rising. The company received 8 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Mirand Response Systems, Inc.'s reputation grade? ▼

Mirand Response Systems, Inc. has a reputation grade of C (score: 63.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Mirand Response Systems, Inc. respond to consumer complaints? ▼

Mirand Response Systems, Inc. has a 71% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Mirand Response Systems, Inc. operate? ▼

Mirand Response Systems, Inc. has received CFPB complaints from consumers in 11 states, with the most complaints from Texas (6 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.