CFPB · Narrative-heavy record
Merficap, LLC
2 CFPB complaints · 100% with narratives · top issue Unable to get your credit report or credit score.
Merficap, LLC: 100% of 2 filings include consumer narratives. Timely 50% · relief 0% · top product Credit reporting, credit repair services, or other personal consumer reports. Allegations, not findings.
- Narrative-heavy record
- 0% filings 2021 to 2023
CFPB relief outcome brief
CCDB company merficap-llc
0% relief · 50% timely · 2 filings · Credit reporting, credit repair services, or other personal consumer reports
Same-product relief peers
Nearest relief peer: Innovis (0% relief)
Merficap, LLC closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Merficap, LLC complaint mix by product
- Credit reporting, 1 50.0% – 0% relief
- Vehicle loan 1 50.0% – 0% relief
How Merficap, LLC's 2 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 | 1 |
| Vehicle loan or lease | 1 |
Merficap, LLC complaints by year
Annual filing volume from the CFPB public database
- 2023
- 1
- 0% vs 2021
Top States
| State | Complaints |
|---|---|
| FL | 2 |
Top Issues
| Issue | Complaints |
|---|---|
| Unable to get your credit report or credit score | 1 |
| Struggling to pay your loan | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2021 | 1 | 100% |
| 2023 | 1 | 0% |
Source: CFPB Consumer Complaint Database
Merficap, LLC's narrative-rich complaint ledger
Merficap, LLC's 2 logged complaints stay concentrated: only 1 state shows a filing. 100% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2021 through 2023-03-14.
Merficap, LLC answers 50% of complaints inside the CFPB's tracked window and closes 100% 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 "Unable to get your credit report or credit score."
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 Merficap, LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Merficap, LLC: 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: 2.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 50%.
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 Merficap, LLC (50% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record