Data / Consumer complaints / Reliable Credit Association, Inc.
Reliable Credit Association, Inc.: 82 CFPB consumer complaints in the last 3 years
Reliable Credit Association, Inc. drew 82 consumer complaints in the CFPB database in the three years to November 6, 2026, and 176 since 2014. The largest group, 33, was about credit reporting or other personal consumer reports, and the most common issue was “Improper use of your report” with 18. The company responded on time to 86.6% of the complaints, and 6.1% closed with monetary or other relief.
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- 82Complaints, last 3 years
- 176Complaints, all years
- 86.6%Responded on time
- 6.1%Closed with relief
- 4Products
- Oct 7, 2026Latest received
Complaints by year
Every year the CFPB database holds for this company, by the date received.
| Year | Complaints |
|---|---|
| 2026, to Nov 6 | 31 |
| 2025 | 32 |
| 2024 | 15 |
| 2023 | 26 |
| 2022 | 15 |
| 2021 | 9 |
| 2020 | 8 |
| 2019 | 4 |
| 2018 | 11 |
| 2017 | 8 |
| 2016 | 6 |
| 2015 | 7 |
| 2014 | 4 |
Products
Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.
| Product | Complaints | Share |
|---|---|---|
| Credit reporting or other personal consumer reports | 33 | 40.2% |
| Debt collection | 26 | 31.7% |
| Vehicle loan or lease | 22 | 26.8% |
| Payday loan, title loan, personal loan, or advance loan | 1 | 1.2% |
Issues
| Issue | Complaints | Share |
|---|---|---|
| Improper use of your report | 18 | 22% |
| Incorrect information on your report | 12 | 14.6% |
| Took or threatened to take negative or legal action | 12 | 14.6% |
| Attempts to collect debt not owed | 7 | 8.5% |
| Problem with a company's investigation into an existing problem | 7 | 8.5% |
| Managing the loan or lease | 6 | 7.3% |
| Getting a loan or lease | 5 | 6.1% |
| Repossession | 5 | 6.1% |
| False statements or representation | 3 | 3.7% |
| Problems at the end of the loan or lease | 2 | 2.4% |
| Threatened to contact someone or share information improperly | 2 | 2.4% |
| Written notification about debt | 2 | 2.4% |
| Identity theft protection or other monitoring services | 1 | 1.2% |
How the company responded
| Company response | Complaints | Share |
|---|---|---|
| Closed with explanation | 77 | 93.9% |
| Closed with non-monetary relief | 3 | 3.7% |
| Closed with monetary relief | 2 | 2.4% |
States
| State | Complaints | Share |
|---|---|---|
| Washington | 41 | 50% |
| Oregon | 10 | 12.2% |
| Arizona | 8 | 9.8% |
| California | 5 | 6.1% |
| Idaho | 4 | 4.9% |
| Texas | 4 | 4.9% |
| Hawaii | 3 | 3.7% |
| Nevada | 2 | 2.4% |
| Florida | 1 | 1.2% |
| Georgia | 1 | 1.2% |
| Montana | 1 | 1.2% |
| Pennsylvania | 1 | 1.2% |
| Wyoming | 1 | 1.2% |
Latest 50 complaints
Newest first. Each row links to the complaint's record in the CFPB database.
| Received | Product | Issue | Company response | Source |
|---|---|---|---|---|
| October 7, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| October 7, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| October 5, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| September 21, 2026 | Vehicle loan or lease | Repossession | Closed with explanation | consumerfinance.gov |
| September 9, 2026 | Vehicle loan or lease | Getting a loan or lease | Closed with explanation | consumerfinance.gov |
| September 8, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with non-monetary relief | consumerfinance.gov |
| August 29, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| August 4, 2026 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| July 30, 2026 | Vehicle loan or lease | Getting a loan or lease | Closed with explanation | consumerfinance.gov |
| July 23, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| July 21, 2026 | Vehicle loan or lease | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| July 9, 2026 | Payday loan, title loan, personal loan, or advance loan | Improper use of your report | Closed with explanation | consumerfinance.gov |
| July 3, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| June 29, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| June 22, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| June 10, 2026 | Vehicle loan or lease | Managing the loan or lease | Closed with monetary relief | consumerfinance.gov |
| June 2, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| May 11, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| May 9, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| May 1, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| April 22, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| April 1, 2026 | Vehicle loan or lease | Managing the loan or lease | Closed with explanation | consumerfinance.gov |
| March 29, 2026 | Credit reporting or other personal consumer reports | Identity theft protection or other monitoring services | Closed with explanation | consumerfinance.gov |
| March 11, 2026 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| March 8, 2026 | Debt collection | False statements or representation | Closed with explanation | consumerfinance.gov |
| February 25, 2026 | Vehicle loan or lease | Getting a loan or lease | Closed with explanation | consumerfinance.gov |
| February 13, 2026 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| February 4, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| January 23, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| January 23, 2026 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| January 8, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| December 22, 2025 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| December 18, 2025 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| December 16, 2025 | Vehicle loan or lease | Managing the loan or lease | Closed with monetary relief | consumerfinance.gov |
| December 13, 2025 | Vehicle loan or lease | Managing the loan or lease | Closed with explanation | consumerfinance.gov |
| December 9, 2025 | Debt collection | Written notification about debt | Closed with explanation | consumerfinance.gov |
| December 9, 2025 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| December 3, 2025 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| November 26, 2025 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| October 26, 2025 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| October 23, 2025 | Vehicle loan or lease | Problems at the end of the loan or lease | Closed with explanation | consumerfinance.gov |
| October 16, 2025 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| October 9, 2025 | Debt collection | Threatened to contact someone or share information improperly | Closed with explanation | consumerfinance.gov |
| October 2, 2025 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| September 19, 2025 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| September 17, 2025 | Debt collection | False statements or representation | Closed with explanation | consumerfinance.gov |
| September 11, 2025 | Vehicle loan or lease | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| August 31, 2025 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| August 22, 2025 | Vehicle loan or lease | Managing the loan or lease | Closed with explanation | consumerfinance.gov |
| August 5, 2025 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
Also on SpecStream
- Every company with Credit reporting or other personal consumer reports complaints
- Every company with Debt collection complaints
- Every company with Vehicle loan or lease complaints
- Every company with Payday loan, title loan, personal loan, or advance loan complaints
- Consumer complaints in Washington
- Consumer complaints in Oregon
- Consumer complaints in Arizona
- All consumer complaints
Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.