Total CFPB complaints
95
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 95 complaints
ULRS, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 22 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about ULRS, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
36 complaints
- Took or threatened to take negative or legal action 14
Took or threatened to take negative or legal action
14 complaints
- Communication tactics 13
Communication tactics
13 complaints
- False statements or representation 12
False statements or representation
12 complaints
- Written notification about debt 5
Written notification about debt
5 complaints
- Cont'd attempts collect debt not owed 3
Cont'd attempts collect debt not owed
3 complaints
D
Grade D · 54.0/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about ULRS, Inc.?
ULRS, Inc. has accumulated 95 total CFPB complaints across 22 states, with 27 filed in the most recent 12 months against 68 historical complaints before that window. The trailing-12-month volume represents 28.4% 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 "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 80% timely-response rate against a 20% 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 22 states, led by California with 43 and Florida with 8, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 54.0/100 places ULRS, 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
27
28.4% of total history
Rising ↑
States active
22
Distinct state filings
Timely response rate
80%
Within CFPB SLA window
Consumer disputes
20%
After company response
Reputation grade
D
54.0/100 composite
Response-quality profile
How ULRS, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 80.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 40.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 39.3%
Share of US states + territories with at least one filed complaint against this collector.
How does ULRS, Inc. compare to its peers?
ULRS, Inc. 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)
2023-04 2026-02
Top Consumer Issues
Attempts to collect debt not owed36 (%)
Took or threatened to take negative or legal action14 (%)
False statements or representation12 (%)
Communication tactics13 (%)
Cont'd attempts collect debt not owed3 (%)
Written notification about debt5 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 28 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 14 |
| False statements or representation | Attempted to collect wrong amount | 12 |
| Communication tactics | Frequent or repeated calls | 8 |
| Attempts to collect debt not owed | Debt was paid | 6 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 5 |
| Cont'd attempts collect debt not owed | Debt is not mine | 3 |
| Written notification about debt | Didn't receive enough information to verify debt | 3 |
| Written notification about debt | Didn't receive notice of right to dispute | 2 |
| Attempts to collect debt not owed | Debt was result of identity theft | 2 |
Where do complaints against ULRS, Inc. come from?
The states where consumers have filed the most CFPB complaints against ULRS, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against ULRS, Inc.
Across 22 states with at least one filing
- California
California
43 complaints
- Florida 8
Florida
8 complaints
- Arizona 5
Arizona
5 complaints
- Texas 4
Texas
4 complaints
- Ohio 4
Ohio
4 complaints
- Georgia 4
Georgia
4 complaints
- South Dakota 4
South Dakota
4 complaints
- South Carolina 3
South Carolina
3 complaints
Frequently Asked Questions
What is the most common complaint against ULRS, Inc.? ▼
The most common issue consumers report about ULRS, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 95 complaints filed with the CFPB.
Are complaints against ULRS, Inc. increasing or decreasing? ▼
Complaints against ULRS, Inc. are rising. The company received 27 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is ULRS, Inc.'s reputation grade? ▼
ULRS, Inc. has a reputation grade of D (score: 54.0/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does ULRS, Inc. respond to consumer complaints? ▼
ULRS, Inc. has a 80% timely response rate to CFPB complaints. Consumers disputed the company's response in 20% of cases.
In how many states does ULRS, Inc. operate? ▼
ULRS, Inc. has received CFPB complaints from consumers in 22 states, with the most complaints from California (43 complaints).
What can I do if ULRS, 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 ULRS, 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 |