Credit Service Company, INC
A federal complaint-record lookup, not a rating from us.
Debt Collector, CFPB Complaint Profile Specializes in: Medical debt
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 | 1 |
| 2014 | 9 |
| 2015 | 8 |
| 2016 | 18 |
| 2017 | 21 |
| 2018 | 30 |
| 2019 | 15 |
| 2020 | 17 |
| 2021 | 28 |
| 2022 | 12 |
| 2023 | 4 |
| 2024 | 15 |
| 2025 | 23 |
| 2026 | 9 |
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 Service Company, INC
Credit Service Company, INC has 190 debt-collection complaints on file with the CFPB, which represents 90.5% of the 210 total complaints the Bureau has received about this entity. Reports have originated from consumers in 23 states and territories, making this a multi-state collection operation as measured by complaint volume. Consumers most frequently describe "Medical debt" as the debt type behind their complaint about this collector. "Attempts to collect debt not owed" comes up most often as the specific issue cited - worth a look for anyone trying to spot this collector's recurring pain point.
The company's timely response rate is 99%, meaning that share of CFPB-forwarded complaints received a reply within the 15-day window the Bureau expects. That figure meets the industry benchmark and indicates an intake process that is functioning on schedule. Among resolved cases, 0% ended with monetary or non-monetary relief to the consumer - a notably low rate worth weighing against the dispute percentage. In 20% 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 Service Company, INC have?
The CFPB has logged 190 debt-collection complaints against Credit Service Company, INC, 90.5% of all complaints filed against this company.
Does Credit Service Company, INC respond to complaints on time?
Credit Service Company, INC has a 99% timely response rate. This is considered excellent.
Does Credit Service Company, INC provide relief to consumers?
0% of resolved complaints against Credit Service Company, INC were closed with some form of consumer relief (monetary or non-monetary).
What type of debt does Credit Service Company, INC primarily collect?
Credit Service Company, INC primarily collects "Medical debt" based on CFPB complaint data. The full breakdown of debt types is shown above.
What rights do I have against Credit Service Company, 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 Service Company, INC active?
Credit Service Company, INC has received consumer complaints from 23 states and territories, based on CFPB data.
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.