Total complaints
4
Filed since Beca
2026 data Public-data reference. official source
the Fair Credit Reporting Act
4 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
4 consumer complaints filed with the CFPB
This profile shows the Fair Credit Reporting Act's complaint history from CFPB public records. 4 consumers have filed complaints since Beca. The company has a 0% timely response rate and has provided relief in 0% of cases.
4
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
4
States Active
Beca
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.
the Fair Credit Reporting Act complaint mix by product
- and in 1 25.0% – 0% relief
- XXXX 1 25.0% – 0% relief
- you have 1 25.0% – 0% relief
- the following 1 25.0% – 0% relief
How the Fair Credit Reporting Act's 4 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| and in fact refused | 1 |
| XXXX | 1 |
| you have failed to provide me with a copy of any accounting records on the debt. that you are accusing me of owing. Are you aware that 's it 's illegal Given that I believe you are acting in bad faith | 1 |
| the following is straight from the prospectus | 1 |
Top States
| State | Complaints |
|---|---|
| and/or the Fair Debt Collection Practices Act. At this time | 1 |
| and CFPB response guidelines | 1 |
| and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. I have maintained careful records of your actions | 1 |
| the Fair Debt Collection Practices Act | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| it is necessary that United Collection Service delete any and all debts being reported to any and all credit reporting agencies | 1 |
| was placed with Fair Collections and Outsourcing ( XXXX ) on XX/XX/XXXX for {$2400.00} and has a current balance owed of {$2400.00}. XXXX has received your claim of fraud. In addition to the partial affidavit of theft provided | 1 |
| I have filed a Small Claims lawsuit against you. I am aware of my rights and the statue of limitations in my state as a borrower. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. As per FTC opinion letter from Attorney XXXX XXXX. XXXX | 1 |
| including requirements regarding the adequate disclosure of contract terms and limitations on contract terms | 1 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About the Fair Credit Reporting Act
the Fair Credit Reporting Act has accumulated 4 consumer complaints in the CFPB public database, with filings active across 4 U.S. states. Of those submissions, 4 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 Beca, and the most recent logged activity is Yet again, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, the Fair Credit Reporting Act 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 "and in fact refused", and the single most common underlying issue is "it is necessary that United Collection Service delete any and all debts being reported to any and all credit reporting agencies".
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 the Fair Credit Reporting Act: 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 the Fair Credit Reporting Act have?
the Fair Credit Reporting Act has received 4 consumer complaints filed with the Consumer Financial Protection Bureau.
Does the Fair Credit Reporting Act respond to complaints on time?
the Fair Credit Reporting Act has a 0% timely response rate to CFPB complaints.
What is the most common complaint about the Fair Credit Reporting Act?
The most common issue reported against the Fair Credit Reporting Act is "it is necessary that United Collection Service delete any and all debts being reported to any and all credit reporting agencies" in the "and in fact refused" product category.
Read our methodology — how this data is sourced, computed, and verified.
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