CFPB Consumer Complaint Profile
Advantage Plus Credit Reporting, Inc.
12 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 12
- Total complaints
- Below average
- 5
- Last 12 months
- 100%
- Timely response
- Top decile
- 7
- States affected
The verdict
12 CFPB complaints put Advantage Plus Credit Reporting, Inc. at #3492 out of 3,843 financial companies ranked by complaint volume. On-time replies land at 100%, the 86th percentile for the 100+ complaint peer group.
- #3492
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Credit reporting or …
- most-complained product
- 7
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Advantage Plus Credit Reporting, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2021 | 1 |
| 2023 | 3 |
| 2024 | 3 |
| 2025 | 3 |
| 2026year in progress | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Advantage Plus Credit Reporting, Inc.
12 complaints against Advantage Plus Credit Reporting, Inc. appear in the CFPB record, including 5 from the trailing year. The 7 states and territories represented put this footprint in geographically concentrated territory. No product draws more complaints than "Credit reporting or other personal consumer reports," which sits at the top of the product breakdown. The specific issue named most within that category is "Improper use of your report," a reasonable starting point for understanding recurring friction.
Advantage Plus Credit Reporting, Inc.'s timely response rate stands at 100%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Among resolved complaints, 0% closed with some form of monetary or non-monetary relief to the consumer.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Advantage Plus Credit Reporting, Inc. have?
The CFPB has logged 12 complaints against Advantage Plus Credit Reporting, Inc. to date, of which 5 came in over the last 12 months.
Does Advantage Plus Credit Reporting, Inc. respond to complaints on time?
CFPB complaints against Advantage Plus Credit Reporting, Inc. draw a 100% timely-response rate inside the expected window. This is considered excellent.
What product generates the most complaints for Advantage Plus Credit Reporting, Inc.?
Among all products tied to Advantage Plus Credit Reporting, Inc., "Credit reporting or other personal consumer reports" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Advantage Plus Credit Reporting, Inc.?
"Improper use of your report" is the single most frequently cited issue in complaints against Advantage Plus Credit Reporting, Inc. - see all issues and counts above.
How do I file a complaint against Advantage Plus Credit Reporting, Inc.?
You can file a complaint against Advantage Plus Credit Reporting, Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Advantage Plus Credit Reporting, Inc.?
Advantage Plus Credit Reporting, Inc. has drawn CFPB complaints from 7 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Also handles Credit reporting or other personal consumer reports
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.