Total complaints
23
Filed since Spec
2026 data Public-data reference. official source
furnishing derogatory credit information under such circumstances constitutes false and misleading representation under 15 U.S.C. 1692e and may also violate the Fair Credit Reporting Act ( FCRA )
23 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
23 consumer complaints filed with the CFPB
This profile shows furnishing derogatory credit information under such circumstances constitutes false and misleading representation under 15 U.S.C. 1692e and may also violate the Fair Credit Reporting Act ( FCRA )'s complaint history from CFPB public records. 23 consumers have filed complaints since Spec. The company has a 0% timely response rate and has provided relief in 0% of cases.
23
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
1
States Active
Spec
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.
furnishing derogatory credit information under such circumstances constitutes false and misleading representation under 15 U.S.C. 1692e and may also violate the Fair Credit Reporting Act ( FCRA ) complaint mix by product
- I submitted 23 100.0% – 0% relief
How furnishing derogatory credit information under such circumstances constitutes false and misleading representation under 15 U.S.C. 1692e and may also violate the Fair Credit Reporting Act ( FCRA )'s 23 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| I submitted a timely request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ) | 23 |
Top States
| State | Complaints |
|---|---|
| 15 U.S.C. 1681s-2 ( b ) | 23 |
Top Issues
| Issue | Complaints |
|---|---|
| the collector failed to provide any of the following critical documents : Proof of ownership of the alleged debt A valid purchase agreement for the PORTFOLIO RECOVERY containing my account A complete and unbroken chain of title from the original creditor to themselves A copy of their state bond or license required to collect in California Without proof of ownership or a chain of title | 2 |
| the collector failed to provide any of the following critical documents : Proof of ownership of the alleged debt A valid purchase agreement for the CONTRACT CALLERS INC containing my account A complete and unbroken chain of title from the original creditor to themselves A copy of their state bond or license required to collect in California Without proof of ownership or a chain of title | 1 |
| the collector failed to provide any of the following critical documents : Proof of ownership of the alleged debt A valid purchase agreement for the PORTFOLIO RECOVERY containing my account A complete and unbroken chain of title from the original creditor to themselves A copy of their state bond or license required to collect in Texas Without proof of ownership or a chain of title | 1 |
| the collector failed to provide any of the following critical documents : Proof of ownership of the alleged debt A valid purchase agreement for the PORTFOLIO RECOVERY A containing my account A complete and unbroken chain of title from the original creditor to themselves A copy of their state bond or license required to collect in New Jersey Without proof of ownership or a chain of title | 1 |
| the collector failed to provide any of the following critical documents : Proof of ownership of the alleged debt A valid purchase agreement for the PORTFOLIO RECOVERY containing my account A complete and unbroken chain of title from the original creditor to themselves A copy of their state bond or license required to collect in Kansas Without proof of ownership or a chain of title | 1 |
| the collector failed to provide any of the following critical documents : Proof of ownership of the alleged debt A valid purchase agreement for the EASTERN ACCOUNT SYSTEM containing my account A complete and unbroken chain of title from the original creditor to themselves A copy of their state bond or license required to collect in California Without proof of ownership or a chain of title | 1 |
| the collector failed to provide any of the following critical documents : Proof of ownership of the alleged debt A valid purchase agreement for the MIDLAND CREDIT MANAGEMENT containing my account A complete and unbroken chain of title from the original creditor to themselves A copy of their state bond or license required to collect in Florida Without proof of ownership or a chain of title | 1 |
| the collector failed to provide any of the following critical documents : Proof of ownership of the alleged debt A valid purchase agreement for the MIDLAND CREDIT MANAGEMENT containing my account A complete and unbroken chain of title from the original creditor to themselves A copy of their state bond or license required to collect in Indiana Without proof of ownership or a chain of title | 1 |
| the collector failed to provide any of the following critical documents : Proof of ownership of the alleged debt A valid purchase agreement for the CDR GENESIS containing my account A complete and unbroken chain of title from the original creditor to themselves A copy of their state bond or license required to collect in California Without proof of ownership or a chain of title | 1 |
| the collector failed to provide any of the following critical documents : Proof of ownership of the alleged debt A valid purchase agreement for the CREDIT COLLECTION SERVICE containing my account A complete and unbroken chain of title from the original creditor to themselves A copy of their state bond or license required to collect in Texas Without proof of ownership or a chain of title | 1 |
| the collector failed to provide any of the following critical documents : Proof of ownership of the alleged debt A valid purchase agreement for the CREDIT COLLECTION SERVICE containing my account A complete and unbroken chain of title from the original creditor to themselves A copy of their state bond or license required to collect in California Without proof of ownership or a chain of title | 1 |
| the collector failed to provide any of the following critical documents : Proof of ownership of the alleged debt A valid purchase agreement for the MIDLAND CREDIT MANAG containing my account A complete and unbroken chain of title from the original creditor to themselves A copy of their state bond or license required to collect in New Jersey Without proof of ownership or a chain of title | 1 |
| the collector failed to provide any of the following critical documents : Proof of ownership of the alleged debt A valid purchase agreement for the MIDLAND CREDIT MANAGEMENT containing my account A complete and unbroken chain of title from the original creditor to themselves A copy of their state bond or license required to collect in Illinois Without proof of ownership or a chain of title | 1 |
| the collector failed to provide any of the following critical documents : Proof of ownership of the alleged debt A valid purchase agreement for the NCA containing my account A complete and unbroken chain of title from the original creditor to themselves A copy of their state bond or license required to collect Without proof of ownership or a chain of title | 1 |
| the collector failed to provide any of the following critical documents : Proof of ownership of the alleged debt A valid purchase agreement for the JEFFERSON CAPITAL SYSTEM containing my account A complete and unbroken chain of title from the original creditor to themselves A copy of their state bond or license required to collect in Illinois Without proof of ownership or a chain of title | 1 |
| the collector failed to provide any of the following critical documents : Proof of ownership of the alleged debt A valid purchase agreement for the ACIMA DIGITAL FKA SIMP containing my account A complete and unbroken chain of title from the original creditor to themselves A copy of their state bond or license required to collect in Texas Without proof of ownership or a chain of title | 1 |
| the collector failed to provide any of the following critical documents : Proof of ownership of the alleged debt A valid purchase agreement for the SYNERGETIC COMMUNICATION containing my account A complete and unbroken chain of title from the original creditor to themselves A copy of their state bond or license required to collect in Texas Without proof of ownership or a chain of title | 1 |
| the collector failed to provide any of the following critical documents : Proof of ownership of the alleged debt A valid purchase agreement for the LVNV FUNDING LLC containing my account A complete and unbroken chain of title from the original creditor to themselves A copy of their state bond or license required to collect in Florida Without proof of ownership or a chain of title | 1 |
| the collector failed to provide any of the following critical documents : Proof of ownership of the alleged debt A valid purchase agreement for the LVNV FUNDING LLC containing my account A complete and unbroken chain of title from the original creditor to themselves A copy of their state bond or license required to collect in California Without proof of ownership or a chain of title | 1 |
| the collector failed to provide any of the following critical documents : Proof of ownership of the alleged debt A valid purchase agreement for the RADIUS GLOBAL SOLUTION containing my account A complete and unbroken chain of title from the original creditor to themselves A copy of their state bond or license required to collect in Indiana Without proof of ownership or a chain of title | 1 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About furnishing derogatory credit information under such circumstances constitutes false and misleading representation under 15 U.S.C. 1692e and may also violate the Fair Credit Reporting Act ( FCRA )
furnishing derogatory credit information under such circumstances constitutes false and misleading representation under 15 U.S.C. 1692e and may also violate the Fair Credit Reporting Act ( FCRA ) has accumulated 23 consumer complaints in the CFPB public database, with filings active across 1 U.S. state. Of those submissions, 23 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 Spec, and the most recent logged activity is Specifical, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, furnishing derogatory credit information under such circumstances constitutes false and misleading representation under 15 U.S.C. 1692e and may also violate the Fair Credit Reporting Act ( FCRA ) 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 "I submitted a timely request for debt validation under the Fair Debt Collection Practices Act ( FDCPA )", and the single most common underlying issue is "the collector failed to provide any of the following critical documents : Proof of ownership of the alleged debt A valid purchase agreement for the PORTFOLIO RECOVERY containing my account A complete and unbroken chain of title from the original creditor to themselves A copy of their state bond or license required to collect in California Without proof of ownership or a chain of title".
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 furnishing derogatory credit information under such circumstances constitutes false and misleading representation under 15 U.S.C. 1692e and may also violate the Fair Credit Reporting Act ( FCRA ): 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 furnishing derogatory credit information under such circumstances constitutes false and misleading representation under 15 U.S.C. 1692e and may also violate the Fair Credit Reporting Act ( FCRA ) have?
furnishing derogatory credit information under such circumstances constitutes false and misleading representation under 15 U.S.C. 1692e and may also violate the Fair Credit Reporting Act ( FCRA ) has received 23 consumer complaints filed with the Consumer Financial Protection Bureau.
Does furnishing derogatory credit information under such circumstances constitutes false and misleading representation under 15 U.S.C. 1692e and may also violate the Fair Credit Reporting Act ( FCRA ) respond to complaints on time?
furnishing derogatory credit information under such circumstances constitutes false and misleading representation under 15 U.S.C. 1692e and may also violate the Fair Credit Reporting Act ( FCRA ) has a 0% timely response rate to CFPB complaints.
What is the most common complaint about furnishing derogatory credit information under such circumstances constitutes false and misleading representation under 15 U.S.C. 1692e and may also violate the Fair Credit Reporting Act ( FCRA )?
The most common issue reported against furnishing derogatory credit information under such circumstances constitutes false and misleading representation under 15 U.S.C. 1692e and may also violate the Fair Credit Reporting Act ( FCRA ) is "the collector failed to provide any of the following critical documents : Proof of ownership of the alleged debt A valid purchase agreement for the PORTFOLIO RECOVERY containing my account A complete and unbroken chain of title from the original creditor to themselves A copy of their state bond or license required to collect in California Without proof of ownership or a chain of title" in the "I submitted a timely request for debt validation under the Fair Debt Collection Practices Act ( FDCPA )" product category.
Read our methodology — how this data is sourced, computed, and verified.
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