What is the most common complaint against Watertown Credit Bureau Inc?

The most common issue consumers report about Watertown Credit Bureau Inc is "False statements or representation", specifically "Indicated committed crime not paying". This is based on 3 complaints filed with the CFPB.

Are complaints against Watertown Credit Bureau Inc increasing or decreasing?

Complaints against Watertown Credit Bureau Inc are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Watertown Credit Bureau Inc's reputation grade?

Watertown Credit Bureau Inc has a reputation grade of D (score: 54.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Watertown Credit Bureau Inc respond to consumer complaints?

Watertown Credit Bureau Inc has a 67% timely response rate to CFPB complaints. Consumers disputed the company's response in 67% of cases.

In how many states does Watertown Credit Bureau Inc operate?

Watertown Credit Bureau Inc has received CFPB complaints from consumers in 2 states, with the most complaints from South Dakota (2 complaints).

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

Watertown Credit Bureau Inc - Debt Collector Complaint Profile

CFPB complaint profile across 2 states, reputation grade D.

Compiled by PlainCollector

False statements or representation

1
Communication tactics

1
Cont'd attempts collect debt not owed

1

Data updated September 2026

CFPB complaint disposition

CCDB record watertown-credit-bureau-inc Watertown Credit Bureau Inc

Grade D · 3 CFPB filings · 67% timely · lead issue: False statements or representation · vol #3863 · compose #3399

VOL 3
GRADE D
12MO 0
STATES 2
TIMELY 67%
DISPUTE 67%
ISSUE False statements or repres…
RANK #3,863
COMPOSE #3,399

Volume peers

Nearest volume peer: 950 Credit Inc (3 complaints)

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

Watertown Credit Bureau Inc's 3 CFPB complaints sit next to 950 Credit Inc 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

66.7% of Watertown Credit Bureau Inc's CFPB filings land in South Dakota

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state: South Dakota 66.7%; 2 of 3 filings · 2 states touched
Spike month: 2021-02 16.7%; 1 filings that month · spiky (≥15% of series)
Corpus ranks: #3,863 volume; #3,399 composite; Among 5,420 volume-ranked / 5,278 scored collectors

How does Watertown Credit Bureau Inc compare to its peers?

How does Watertown 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

Watertown Credit Burea… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

67%

100%

91%

Consumer-dispute ratelower is better

67%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2021-02 2025-07

Issue Detail Breakdown

Issue	Complaints
False statements or representation	1
Communication tactics	1
Cont'd attempts collect debt not owed	1

Where do complaints against Watertown Credit Bureau Inc come from?

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

South Dakota

2
California

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Watertown 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: 3.

4 peers

Know your rights before responding to Watertown 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.