Total complaints
25
Filed since ACCO
2026 data Public-data reference. official source
607 ( b )
25 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
25 consumer complaints filed with the CFPB
This profile shows 607 ( b )'s complaint history from CFPB public records. 25 consumers have filed complaints since ACCO. The company has a 0% timely response rate and has provided relief in 0% of cases.
25
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
13
States Active
ACCO
Since
Timely response
0%
CFPB-tracked response window
Relief rate
0%
Closed with monetary or non-monetary relief
Timely response rate 0.0%
Federal benchmark
CFPB benchmark: response within 15 calendar days of filing.
Relief rate 0.0%
Industry median
Share closed with monetary or non-monetary relief.
607 ( b ) complaint mix by product
- my XXXX 3 17.6% – 0% relief
- XXXX 3 17.6% – 0% relief
- reinsertions 3 17.6% – 0% relief
- including my 2 11.8% – 0% relief
- the contract 2 11.8% – 0% relief
- 607 ( 2 11.8% – 0% relief
- since lenders 2 11.8% – 0% relief
How 607 ( b )'s 25 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| my XXXX XXXX account ( XXXX ) is reported with XXXX late payments from XX/XX/XXXX to XX/XX/XXXX across all bureaus | 3 |
| XXXX | 3 |
| reinsertions | 3 |
| including my government-issued ID | 2 |
| the contract is fraudulent | 2 |
| 607 ( b ) | 2 |
| since lenders rely on specialty databases ( XXXX XXXX XXXXXXXX | 2 |
| addresses | 2 |
| XXXX XXXX placed the collection directly on my credit report without notifying me | 1 |
| N.A . as a furnisher of credit information for willfully and negligently furnishing inaccurate | 1 |
| re-aged dates | 1 |
| PA XXXX Address Law : FCRA 602 A ( 1 ) | 1 |
| charge-off amount | 1 |
| unverifiable information | 1 |
Top States
| State | Complaints |
|---|---|
| 609 ( a ) ( 1 ) | 3 |
| and 611 ( a ). | 3 |
| 609 ( a ) | 3 |
| and Metro 2 Reporting Guidelines. These accounts are being reported without documented chain of custody or legal validation. | 3 |
| 611 ( a ) ; FDCPA : 1692g FXXXX XXXX FCRA : 1681 | 3 |
| 611 | 2 |
| 609 | 2 |
| 611 ( a ) | 1 |
| 611 Issue : Late payment history reported that is not accurate Story : I have no record of these late payments and the reporting dates do not align with any payment history I possess | 1 |
| 609 ( a ) ( 1 ) Issue : Account is unverified and lacks original agreement or validation Story : I do not recognize this debt and upon challenging it I was never provided with verification of the original account terms or proof of liability under FCRA 609 ( a ) ( 1 ) the creditor must show original signed documentation which has not been provided delete this unverifiable account XXXX XXXXXXXX * * Date Opened : XX/XX/XXXX Balance : {$9000.00} Chargeoff * * Law : FCRA XXXX A ( XXXX ) | 1 |
| and 611 ( a ) ( 5 ) ( A ).,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TRANSUNION INTERMEDIATE HOLDINGS | 1 |
| and 623 protections Experians Misconduct & Violations XXXX Experian falsely marked my dispute as fraud Experian closed my disputes using a fraudulent activity classification even though : I did not claim identity theft for those specific accounts. | 1 |
| 611 ( a ) FDCPA : 15 U.S.C. 1692g Failure to validate the debt Unauthorized Inquiries : Entities : XXXX | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| 607 ( b ) | 5 |
| creating inconsistencies in my credit file. Additionally | 3 |
| XXXX XXXX | 3 |
| and a notarized identity theft statement. I disputed the fraudulent information under Section 605B of the Fair Credit Reporting Act ( FCRA ) and requested immediate blocking and removal. XXXX completed its own investigation and removed all fraudulent information from my credit report. However | 2 |
| XXXX | 2 |
| employers | 2 |
| and without responding to my disputes. This violates FDCPA 807 | 1 |
| and misleading data regarding my credit card account # XXXX to XXXX XXXX XXXX XXXX | 1 |
| 11 | 1 |
| and unenforceable. XXXX is furnishing information that is inaccurate | 1 |
| making the reporting unverifiable and misleading to my credit profile ACCOUNT XXXX XXXX XXXX Law : FCRA 602 | 1 |
| but the company failed to provide this information. Because the account remains inaccurate | 1 |
| Experian has repeatedly : Closed my disputes improperly Labeled them as fraud without my consent Used potential fraud as an excuse to avoid investigating Refused to provide Method of Verification ( MOV ) under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) Failed to notify me within 5 business days of any reinsertion as required under FCRA 611 ( a ) ( 5 ) ( B ) Ignored evidence I submitted | 1 |
| and unenforceable. CarMax is furnishing information that is inaccurate | 1 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About 607 ( b )
607 ( b ) has accumulated 25 consumer complaints in the CFPB public database, with filings active across 13 U.S. states. Of those submissions, 17 include a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to ACCO, and the most recent logged activity is XXXX XXXX , giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, 607 ( b ) reports a 0% timely-response rate and has closed 0% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "my XXXX XXXX account ( XXXX ) is reported with XXXX late payments from XX/XX/XXXX to XX/XX/XXXX across all bureaus", and the single most common underlying issue is "607 ( b )".
Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating 607 ( b ): cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.
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Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Frequently Asked Questions
How many CFPB complaints does 607 ( b ) have?
607 ( b ) has received 25 consumer complaints filed with the Consumer Financial Protection Bureau.
Does 607 ( b ) respond to complaints on time?
607 ( b ) has a 0% timely response rate to CFPB complaints.
What is the most common complaint about 607 ( b )?
The most common issue reported against 607 ( b ) is "607 ( b )" in the "my XXXX XXXX account ( XXXX ) is reported with XXXX late payments from XX/XX/XXXX to XX/XX/XXXX across all bureaus" product category.
Read our methodology — how this data is sourced, computed, and verified.
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