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 2026-05-15
- 10
- Total complaints
- 1
- Last 12 months
- 30%
- Timely response
- 6
- States affected
The verdict
Among 3,848 financial companies tracked by CFPB complaint volume, American Reporting Company sits at #3720, with 10 complaints logged. It answers 30% of complaints on time - below the 93% median for companies with 100+ complaints.
- #3720
- of 3,848 companies by volume
- 30%
- answered on time
- Credit reporting, cr…
- most-complained product
- 6
- states with complaints
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.
30% of CFPB-forwarded complaints against American Reporting Company get a reply 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, 0% closed with the consumer receiving monetary or non-monetary relief.
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 (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.
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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~10)
Also handles Credit reporting, credit repair services, or other personal consumer reports
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.