CFPB Consumer Complaint Profile
American Reporting Company
10 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
- 10
- Total complaints
- Below average
- 1
- Last 12 months
- 30%
- Timely response
- Bottom decile
- 6
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, American Reporting Company sits at #3715, with 10 complaints logged. It posts a 30% on-time response rate, the 2nd percentile among companies with 100+ complaints.
- #3715
- of 3,843 companies by volume
- 30%
- on time (2nd pctile)
- Credit reporting, cr…
- most-complained product
- 6
- 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.
American Reporting Company vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
30% Among the lowest higher than 2% 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 |
|---|---|
| 2017 | 1 |
| 2018 | 1 |
| 2021 | 2 |
| 2022 | 1 |
| 2023 | 3 |
| 2025 | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for American Reporting Company
American Reporting Company carries 10 complaints in the CFPB's database, 1 of them filed within the past 12 months. Consumers spanning 6 states and territories have weighed in, giving this a geographically concentrated footprint. The single largest complaint category is "Credit reporting, credit repair services, or other personal consumer reports," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Inside that category, "Improper use of your report" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
CFPB-forwarded complaints against American Reporting Company draw a 30% reply rate inside the Bureau's 15-day window. That is far under the 95% benchmark - a material red flag, since late or missing responses are among the strongest predictors of CFPB supervisory interest. Among resolved complaints, the consumer-relief closure rate is 0%.
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 American Reporting Company have?
10 complaints have been filed against American Reporting Company with the CFPB overall - 1 of them in the past year.
Does American Reporting Company respond to complaints on time?
American Reporting Company has a 30% timely response rate to CFPB complaints. This is below the typical industry benchmark of 95%.
What product generates the most complaints for American Reporting Company?
The most complained-about product for American Reporting Company is "Credit reporting, credit repair services, or other personal consumer reports." You can view the full product breakdown on this page.
What is the most common complaint issue with American Reporting Company?
The most common issue reported by consumers about American Reporting Company is "Improper use of your report." All complaint issues are listed above with their counts.
How do I file a complaint against American Reporting Company?
You can file a complaint against American Reporting Company 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 American Reporting Company?
Consumers in 6 states and territories have filed complaints about American Reporting Company with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Also handles Credit reporting, credit repair services, 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.