CFPB · Narrative-heavy record

I.a.C. Inc

13 CFPB complaints · 61.5% with narratives · top issue Incorrect information on your report.

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13 CFPB complaints

I.a.C. Inc: 61.5% of 13 filings include consumer narratives. Timely 84.6% · relief 0% · top product Vehicle loan or lease. Allegations, not findings.

  • Narrative-heavy record
  • +100% filings 2020 to 2025

CFPB relief outcome brief

CCDB company i-a-c-inc

0% relief · 84.6% timely · 13 filings · Vehicle loan or lease

Same-product relief peers

Nearest relief peer: BMW Financial Services NA, LLC (0% relief)

I.a.C. Inc (this)0%Credit Bureau of CarbonCounty3%Credit Service Company0%Independent Bank Corp.15%American Capital Enterprises,Inc.1%
Closed-with-relief % among I.a.C. Inc and nearest filing-volume peers

I.a.C. Inc closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →

Response Quality Score

I.a.C. Inc scores strongest on timely response (73/100 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.

40 /100 grade D

Relief provided

0 / 100 percentile-benchmarked

0% of complaints closed with relief to the consumer

Timely response

73 / 100 percentile-benchmarked

84.6% of complaints answered inside the CFPB 15-day window

Closed with explanation

72 / 100 percentile-benchmarked

84.6% of complaints closed with an explanation to the consumer

Most of I.a.C. Inc's 13 filings include narrative text

61.5% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.

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Timely response rate 84.6%
Federal benchmark

CFPB benchmark: response within 15 calendar days of filing.

Relief rate 0.0%
Industry median (≥10 complaints)

Share closed with monetary or non-monetary relief.

I.a.C. Inc complaint mix by product

Total complaints: 13

I.a.C. Inc complaint mix by product Horizontal strip chart. Width of each segment is proportional to that category's share of the 13 total complaints. Trend arrow shows rolling 12-month direction. Inline badge shows resolution rate (% closed with relief). Vehicle loan: 7 complaints (53.8%), resolution 0.0% Vehicle loan 53.8% Credit reporting,: 2 complaints (15.4%), resolution 0.0% Credit reporting, 15.4% Credit reporting: 2 complaints (15.4%), resolution 0.0% Credit reporting 15.4% Debt collection: 2 complaints (15.4%), resolution 0.0% Debt collection 15.4%
  • Vehicle loan 7 53.8% – 0% relief
  • Credit reporting, 2 15.4% – 0% relief
  • Credit reporting 2 15.4% – 0% relief
  • Debt collection 2 15.4% – 0% relief

How I.a.C. Inc's 13 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.

Complaints by Product

Product Complaints
Vehicle loan or lease 7
Credit reporting, credit repair services, or other personal consumer reports 2
Credit reporting or other personal consumer reports 2
Debt collection 2

Where I.a.C. Inc complaints are filed

Top states by attributed CFPB complaint volume for this company

Concentrated footprint
Leading state
CT
30.8% of this company's filings
CT4NJ3VA2MA2NY1CA1

I.a.C. Inc rising annual filings

Annual filing volume from the CFPB public database

Rising vs first year
2025
4
+100% vs 2020
012345 202020212022202320242025 4

Top States

State Complaints
CT 4
NJ 3
VA 2
MA 2
NY 1
CA 1

Top Issues

Issue Complaints
Incorrect information on your report 3
Improper use of your report 2
Repossession 2
Managing the loan or lease 1
Problem with a company's investigation into an existing problem 1
Attempts to collect debt not owed 1
Written notification about debt 1
Problem with a credit reporting company's investigation into an existing problem 1
Getting a loan or lease 1

Yearly Trend

Year Complaints Timely
2020 2 100%
2021 1 100%
2022 1 100%
2023 2 100%
2024 3 100%
2025 4 50%

Source: CFPB Consumer Complaint Database

I.a.C. Inc's narrative-rich complaint ledger

I.a.C. Inc's 13 logged complaints stay concentrated: only 6 states show a filing. 61.5% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2020 through 2025-12-25.

I.a.C. Inc answers 84.6% of complaints inside the CFPB's tracked window and closes 84.6% 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. "Vehicle loan or lease" draws the most filings, most often for "Incorrect information on 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 I.a.C. Inc.

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainComplaint-derived comparison paths for I.a.C. Inc: 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: 13.

4 peers

Similar timely response rate

Nearest companies by CFPB 15-day timely-response %. This record: 84.6%.

4 peers

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 I.a.C. Inc (84.6% timely; 0% relief). methodology.

Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record