State complaint profile

Debt collection complaints in Tennessee

21,990 CFPB complaints filed against 1,252 debt collectors active in Tennessee.

Complaints: 21,990
Collectors: 1,252
Top collector: Transunion Intermediate Holdings, Inc.

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

Tennessee at a glance

Tennessee consumers have filed 21,990 CFPB debt-collection complaints against 1,252 collectors.

21,990
CFPB complaints filed: 1,252
collectors active here: #1
most-complained: Transunion Intermediate Holdings, Inc.

State-of-residence is the consumer's address at filing, not the collector's. A complaint is a consumer filing, not a proven violation.

Insights: Debt Collection in Tennessee

Tennessee filings are dispersed: the top three collectors hold only 13.3% of 21,990 complaints.

This is a dense end-of-ladder state. National debt buyers and the three credit bureaus usually dominate the chart above; use the state mix to see whether one buyer or bureau is over-indexed relative to volume peers before reading the national grade curve.

The collector with the most complaints from Tennessee residents in this extract is Transunion Intermediate Holdings, Inc. (13.3% of filings sit in the top three names). A complaint is a consumer filing, not a proven violation.

Transunion Intermediate Holdings, Inc.

1,009
Experian Information Solutions Inc.

969
Equifax, Inc.

957
Encore Capital Group Inc.

875
Resurgent Capital Services L.P.

865
Portfolio Recovery Associates, LLC

820
CL Holdings LLC

682
I.C. System, Inc.

388

What this shows These eight collectors draw the most complaints from Tennessee residents, usually national bureaus and large debt buyers operating in every state.

Transunion Intermediat

1,009
Experian Information S

969
Equifax, Inc.

957
All other collectors

19,055

What this shows The top three names account for 13.3% of Tennessee filings in this extract, a state-specific concentration cut, not a national grade curve.

Active Debt Collectors

Sorted by most complaints

If a collector is contacting you in Tennessee

High-volume states still start with the federal record, then verify any state-law question with an official source.

Start with the densest Tennessee names on the chart, then open each national record before you respond or pay. Browse rankings
Demand written debt validation within 30 days of first contact - high-volume states see the same FDCPA clock. Validation letter
File with the CFPB first (public record + 15-day company reply), then check official Tennessee AG channels if needed. Your rights

Complaint volume reflects consumer filings, not collector misconduct or a legal conclusion. This is not legal advice.

Read our methodology - how this data is sourced, computed, and verified.

Read with Tennessee

Transunion Intermediate Holdings, Inc. Leads Tennessee complaint volume in this extract
Alabama complaint profile Nearest volume peer (21,381 complaints)
Louisiana complaint profile Nearest volume peer (22,643 complaints)
States by complaint volume Tennessee sits in the dense end of the state ladder
Debt validation letter High filing volume - written validation is the usual first step
Compare collectors side-by-side Check response rates for the agencies contacting Tennessee residents

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.

Filing a Complaint as a Tennessee Resident

Tennessee's dense filing book means the CFPB channel at consumerfinance.gov/complaint is usually the fastest public-record path (15-day company reply). Parallel options: the Tennessee attorney general's consumer division and the state banking-and-finance regulator that may license collectors here. Open the CFPB complaint form.

Compiled by PlainCollector, Debt Collector Reputation Editorial Process

Publisher	PlainCollector
Sources	the CFPB Consumer Complaint Database

Debt collection complaints in Tennessee

Insights: Debt Collection in Tennessee

Active Debt Collectors

Transunion Intermediate Holdings, Inc.

Experian Information Solutions Inc.

Equifax, Inc.

Encore Capital Group Inc.

Resurgent Capital Services L.P.

Portfolio Recovery Associates, LLC

CL Holdings LLC

I.C. System, Inc.

CCS Financial Services, Inc.

Professional Recovery Management

Capital ONE Financial Corporation

National Credit Systems,Inc.

W&A Intermediate Co., LLC

Wakefield & Associates, Inc.

National Credit Adjusters, LLC

Synchrony Financial

Kriya Capital, LLC

Transworld Systems Inc

Spring Oaks Capital, LLC

ERC

Caine & Weiner Company, Inc.

Citibank, N.a.

Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis

Bread Financial Holdings, Inc.

Radius Global Solutions LLC

HW Holding, Inc

Convergent Resources, Inc.

Diversified Consultants, Inc.

Afni Inc.

NCB Management Services Inc.

Absolute Recovery Services, LLC

Aldous & Associates, PLLC

Commonwealth Financial Systems, Inc.

Ability Recovery Services, LLC

Southwest Credit Systems, L.P.

T.S. Holdings

Wells Fargo & Company

Sunrise Credit Services, Inc

BTH Management

CURO Intermediate Holdings

TrueAccord Corp.

Bank of America, National Association

Credit Acceptance Corporation

Harpeth Financial Services, LLC

Discover Bank

ONLINE Information Services, Inc.

Jpmorgan Chase & Co.

RentDebt Automated Collections, LLC

Cavalry Investments, LLC

Navy Federal Credit Union

Read with Tennessee

Filing a Complaint as a Tennessee Resident