Credit bureau · complaint record
Ipac's complaints
Filed under IPAC'S Inc.
Consumers have filed 642 complaints about Ipac's since 2014, 617 of them in the last 12 months (+4,646% on the year before). It answered 0% on time and closed 0% with relief for the customer. The most common problem is problem with fraud alerts or security freezes. It is the 39th most complained-about of 566 credit bureaus & report companies this year.
Poor response record. How it works
- Complaints on record
- 642
- Last 12 months
- 617
- Answered on time
- 0%
- Closed with relief
- 0%
- Last 30 days
- 22
- Rank
- #39 of 566
Since December 2014
+4,646% vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: Oct 28, 2026
Most complained-about credit bureaus & report companies
Ipac's complaints by month
The busiest month was December 2025 (76 complaints). Complaints in the last 12 months are up 4,646% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Ipac's answered last 12 months
- Untimely response617100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time0/450% on time
- Relief for customers0/400% closed with relief
- Complaint trend0/15+4,646% vs last year
What Ipac's complaints are about
Top Ipac's problems last 12 months
Where Ipac's complaints come from
Most complaints: Illinois (341), Georgia (77), Indiana (53), Texas (31), Florida (25).
Ipac's compared with other credit bureaus & report companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Mariner FinanceCredit reporting | 52 | 663 | C |
| 2 | MicroBiltCredit reporting | 45 | 662 | D |
| 3 | KovoCredit reporting | 47 | 635 | D |
| 4 | State Employees' Credit UnionCredit reporting | 52 | 635 | C |
| 5 | Ipac'sCredit reporting | 0 | 617 | F |
| 6 | BMW Financial ServicesCredit reporting | 42 | 589 | D |
| 7 | First Technology Federal Credit UnionCredit reporting | 59 | 562 | C |
| 8 | VW CreditCredit reporting | 65 | 559 | B |
Compare side by side: Ipac's vs Mariner Finance · Ipac's vs MicroBilt · Ipac's vs Kovo · Ipac's vs State Employees' Credit Union
What people say about Ipac's
All experiencesNo experiences with Ipac's yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Ipac's complaints
Full logQuestions about Ipac's
How many complaints does Ipac's have?
Ipac's has 642 complaints on record since December 2014, including 617 in the last 12 months and 22 in the last 30 days. That makes it number 174 of every company by complaints this year.
Does Ipac's respond to complaints?
Yes. Ipac's answered 0% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix. The rest were mostly closed with an explanation only. Its Response Score is 0/100 (grade F).
What do people complain about most with Ipac's?
The most common problems are problem with fraud alerts or security freezes (542), problem with a company's investigation into an existing problem (31), attempts to collect debt not owed (19).
Is Ipac's legit?
Ipac's is a real company with a public complaint record: consumers have complained about it 642 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Ipac's legit? for the signals, red flags and how to protect yourself.
Are complaints about Ipac's going up or down?
Up. There were 617 complaints in the last 12 months against 13 in the 12 before (+4,646%). See every month.
How do I file a complaint against Ipac's?
Complain to Ipac's in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Ipac's complaints come from?
Most come from Illinois (341), Georgia (77), Indiana (53). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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