CFPB · Single-product concentration
American Reporting Company
10 CFPB complaints · 70% in "Credit reporting, credit repair services, or other personal consumer reports" · top issue Improper use of your report.
American Reporting Company: 70% of 10 CFPB complaints sit in "Credit reporting, credit repair services, or other personal consumer reports". Timely 30% · relief 0%. Allegations, not findings.
- Single-product concentration
- +100% filings 2017 to 2025
CFPB relief outcome brief
CCDB company american-reporting-company
0% relief · 30% timely · 10 filings · Credit reporting, credit repair services, or other personal consumer reports
Same-product relief peers
Nearest relief peer: Innovis (0% relief)
American Reporting Company closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
American Reporting Company scores strongest on closed with explanation (63/100 percentile-benchmarked) and weakest on relief provided (0/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
0 / 100 percentile-benchmarked
0% of complaints closed with relief to the consumer
Timely response
0 / 100 percentile-benchmarked
30% of complaints answered inside the CFPB 15-day window
Closed with explanation
63 / 100 percentile-benchmarked
80% of complaints closed with an explanation to the consumer
How 10 complaints split on narrative text
CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
American Reporting Company complaint mix by product
- Credit reporting, 7 70.0% – 0% relief
- Credit reporting 3 30.0% – 0% relief
How American Reporting Company's 10 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Credit reporting, credit repair services, or other personal consumer reports | 7 |
| Credit reporting or other personal consumer reports | 3 |
Concentrated filing states for American Reporting Company
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 40% of this company's filings
American Reporting Company rising annual filings
Annual filing volume from the CFPB public database
- 2025
- 2
- +100% vs 2017
Top States
| State | Complaints |
|---|---|
| CA | 4 |
| WA | 2 |
| PA | 1 |
| GA | 1 |
| MO | 1 |
| OR | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Improper use of your report | 9 |
| Incorrect information on your report | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2017 | 1 | 100% |
| 2018 | 1 | 0% |
| 2021 | 2 | 0% |
| 2022 | 1 | 0% |
| 2023 | 3 | 66.7% |
| 2025 | 2 | 0% |
Source: CFPB Consumer Complaint Database
American Reporting Company filings cluster in one product
American Reporting Company's 10 logged complaints stay concentrated: only 6 states show a filing. Only 30% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2017 through 2025-11-18.
American Reporting Company answers 30% of complaints inside the CFPB's tracked window and closes 80% with a written explanation. 0% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Credit reporting, credit repair services, or other personal consumer reports" draws the most filings, most often for "Improper use of your report."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about American Reporting Company.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for American Reporting Company: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 10.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 30%.
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.
Data sourced from official public datasets for American Reporting Company (30% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration