Total complaints
1
Filed since Howe
2026 data Public-data reference. official source
which directly violates the FDCPA and the Fair Credit Reporting Act ( FCRA
1 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
1 consumer complaints filed with the CFPB
This profile shows which directly violates the FDCPA and the Fair Credit Reporting Act ( FCRA's complaint history from CFPB public records. 1 consumers have filed complaints since Howe. The company has a 0% timely response rate and has provided relief in 0% of cases.
1
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
1
States Active
Howe
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.
which directly violates the FDCPA and the Fair Credit Reporting Act ( FCRA complaint mix by product
- this same 1 100.0% – 0% relief
How which directly violates the FDCPA and the Fair Credit Reporting Act ( FCRA's 1 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| this same debt has now reappeared under a new agency | 1 |
Top States
| State | Complaints |
|---|---|
| 15 U.S.C. 1681i ( a ) ( 5 ) ) | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| and is again being reported to the credit bureausthis time listing Credence as the original creditor | 1 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About which directly violates the FDCPA and the Fair Credit Reporting Act ( FCRA
which directly violates the FDCPA and the Fair Credit Reporting Act ( FCRA has accumulated 1 consumer complaint in the CFPB public database, with filings active across 1 U.S. state. Of those submissions, 0 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 Howe, and the most recent logged activity is However, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, which directly violates the FDCPA and 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 "this same debt has now reappeared under a new agency", and the single most common underlying issue is "and is again being reported to the credit bureausthis time listing Credence as the original creditor".
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 which directly violates the FDCPA and 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 which directly violates the FDCPA and the Fair Credit Reporting Act ( FCRA have?
which directly violates the FDCPA and the Fair Credit Reporting Act ( FCRA has received 1 consumer complaints filed with the Consumer Financial Protection Bureau.
Does which directly violates the FDCPA and the Fair Credit Reporting Act ( FCRA respond to complaints on time?
which directly violates the FDCPA and the Fair Credit Reporting Act ( FCRA has a 0% timely response rate to CFPB complaints.
What is the most common complaint about which directly violates the FDCPA and the Fair Credit Reporting Act ( FCRA?
The most common issue reported against which directly violates the FDCPA and the Fair Credit Reporting Act ( FCRA is "and is again being reported to the credit bureausthis time listing Credence as the original creditor" in the "this same debt has now reappeared under a new agency" product category.
Read our methodology — how this data is sourced, computed, and verified.
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