Credit Bureau of Napa County, Inc.
A federal complaint-record lookup, not a rating from us.
Debt Collector, CFPB Complaint Profile Specializes in: Other (i.e. phone, health club, etc.)
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
Most consumers facing collection complaints carry utilization in the Fair-Poor band. FICO bands per myFICO + Experian guidance.
FICO impact ranges synthesize myFICO + Experian + Equifax consumer-education materials. Individual results vary.
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 19 |
| 2014 | 57 |
| 2015 | 52 |
| 2016 | 39 |
| 2017 | 14 |
| 2018 | 14 |
| 2019 | 8 |
| 2020 | 3 |
| 2021 | 2 |
| 2022 | 2 |
| 2023 | 8 |
| 2024 | 2 |
| 2025 | 2 |
| 2026 | 1 |
Complaints by State (Top 15)
Other Complaint Types
Your Rights with Debt Collectors
The Fair Debt Collection Practices Act (FDCPA) protects you from abusive, unfair, and deceptive collection practices.
- Request written verification of any debt within 30 days of first contact
- Dispute a debt if you believe it is incorrect or does not belong to you
- Demand the collector stop contacting you (in writing)
- File a complaint with the CFPB at consumerfinance.gov/complaint
What the CFPB Record Shows for Credit Bureau of Napa County, Inc.
214 debt-collection complaints against Credit Bureau of Napa County, Inc. appear in the CFPB record - 96% of the 223 complaints filed about this entity. The 34 states and territories represented make this a multi-state operation by complaint volume. The most common debt type behind these complaints is "Other (i.e. phone, health club, etc.)," which is the category consumers most often describe when they file a CFPB report about this collector. The single most-cited specific issue is "Cont'd attempts collect debt not owed" - a useful starting point for understanding where the friction between this collector and consumers most frequently occurs.
90.1% of CFPB-forwarded complaints against this company get a reply inside the Bureau's 15-day window. That is under the 95% benchmark collectors are expected to hit, often a precursor to higher dispute rates. Among resolved cases, 0.9% ended with monetary or non-monetary relief to the consumer - a notably low rate worth weighing against the dispute percentage. In 29.4% of resolved cases, the consumer formally disputed the response - a rough measure of how often the first resolution missed the mark.
How to read these numbers, and what to do if you're disputing a charge
Complaint volume alone does not prove wrongdoing, larger collection portfolios naturally produce more complaints, but the combination of timely-response rate, relief ratio, and dispute rate above gives a reasonable empirical picture of how this collector handles consumer interactions. Anyone in active dispute with this company should keep written records, use certified mail for verification requests (see your FDCPA rights above), and consider filing a CFPB complaint if standard resolution channels stall.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.
Frequently Asked Questions
How many debt collection complaints does Credit Bureau of Napa County, Inc. have?
The CFPB has logged 214 debt-collection complaints against Credit Bureau of Napa County, Inc., 96% of all complaints filed against this company.
Does Credit Bureau of Napa County, Inc. respond to complaints on time?
Credit Bureau of Napa County, Inc. has a 90.1% timely response rate.
Does Credit Bureau of Napa County, Inc. provide relief to consumers?
Of resolved complaints against Credit Bureau of Napa County, Inc., 0.9% ended with consumer relief of some kind.
What type of debt does Credit Bureau of Napa County, Inc. primarily collect?
"Other (i.e. phone, health club, etc.)" is the debt type Credit Bureau of Napa County, Inc. is most associated with in CFPB complaint data - see the full breakdown above.
What rights do I have against Credit Bureau of Napa County, Inc.?
Under the Fair Debt Collection Practices Act (FDCPA), you can request written debt verification within 30 days, dispute debts you believe are incorrect, demand the collector stop contacting you in writing, and file a complaint with the CFPB at consumerfinance.gov/complaint.
In how many states is Credit Bureau of Napa County, Inc. active?
CFPB data shows consumer complaints against Credit Bureau of Napa County, Inc. from 34 states and territories.
Source: Consumer Financial Protection Bureau Consumer Complaint Database · Q1 2026 Complaints filed against firms, not individuals. Data through March 2026.
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the CFPB Consumer Complaint Database. Consult a qualified professional before making decisions based on this data.
Read our methodology - how this data is sourced, computed, and verified.