Debt collector · complaint record
Merchants Credit Bureau complaints
Filed under Merchants Credit Bureau, Inc.
Consumers have filed 128 complaints about Merchants Credit Bureau since 2013, 39 of them in the last 12 months (+179% on the year before). It answered 100% on time and closed 3% with relief for the customer - less often than a typical debt collector. The most common problem is attempts to collect debt not owed.
Weak response record. How it works
- Complaints on record
- 128
- Last 12 months
- 39
- Answered on time
- 100%
- Closed with relief
- 3%
- Last 30 days
- 3
- Rank
- #363 of 1,963
Since November 2013
+179% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Nov 12, 2026
Most complained-about debt collectors
Merchants Credit Bureau complaints by month
The busiest month was February 2026 (8 complaints). Complaints in the last 12 months are up 179% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Merchants Credit Bureau answered last 12 months
- Closed with monetary relief12.6%
- Closed with explanation3897.4%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers2/402.6% closed with relief
- Complaint trend0/15+179% vs last year
What Merchants Credit Bureau complaints are about
Top Merchants Credit Bureau problems
Inside "Attempts to collect debt not owed"
- Debt is not yours 19
- Debt was result of identity theft 11
- Debt was paid 4
Where Merchants Credit Bureau complaints come from
Most complaints: Georgia (73), South Carolina (21), Florida (5), North Carolina (3), Pennsylvania (2).
Merchants Credit Bureau compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | RemexDebt collection | 45 | 39 | D |
| 2 | Reliable Credit AssociationDebt collection | 12 | 39 | F |
| 3 | RMS-Recovery Management ServicesDebt collection | 40 | 39 | D |
| 4 | UnisaDebt collection | 18 | 39 | F |
| 5 | Collections USADebt collection | 48 | 39 | D |
| 6 | Texas GuaranteedDebt collection | 60 | 39 | C |
| 7 | United AccountsDebt collection | 5 | 39 | F |
| 8 | Merchants Credit BureauDebt collection | 47 | 39 | D |
Compare side by side: Merchants Credit Bureau vs Remex · Merchants Credit Bureau vs Reliable Credit Association · Merchants Credit Bureau vs RMS-Recovery Management Services · Merchants Credit Bureau vs Unisa
What people say about Merchants Credit Bureau
All experiencesNo experiences with Merchants Credit Bureau yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Merchants Credit Bureau complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 12, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Nov 3, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Nov 2, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Sep 25, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Sep 7, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 2, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Aug 14, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Aug 14, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 30, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 29, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 12, 2026 | Credit reporting | Incorrect information on your reportOld information reappears or never goes away | Explained |
| Jul 11, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
Questions about Merchants Credit Bureau
How many complaints does Merchants Credit Bureau have?
Merchants Credit Bureau has 128 complaints on record since November 2013, including 39 in the last 12 months and 3 in the last 30 days. That makes it number 768 of every company by complaints this year.
Does Merchants Credit Bureau respond to complaints?
Yes. Merchants Credit Bureau answered 100% of its complaints on time (within 15 days) and closed 3% with relief - money back or a fix; 2.6% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 47/100 (grade D).
What do people complain about most with Merchants Credit Bureau?
The most common problems are attempts to collect debt not owed (34), incorrect information on your report (14), took or threatened to take negative or legal action (10).
Is Merchants Credit Bureau legit?
Merchants Credit Bureau is a real company with a public complaint record: consumers have complained about it 128 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Merchants Credit Bureau legit? for the signals, red flags and how to protect yourself.
Are complaints about Merchants Credit Bureau going up or down?
Up. There were 39 complaints in the last 12 months against 14 in the 12 before (+179%). See every month.
How do I file a complaint against Merchants Credit Bureau?
Complain to Merchants Credit Bureau 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 Merchants Credit Bureau complaints come from?
Most come from Georgia (73), South Carolina (21), Florida (5). 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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