Send us your client's case. We file every CFPB complaint against the bureaus and individual creditors same day. You deliver results. We stay invisible.
Here's what no one talks about: the most time-consuming part of credit repair isn't the strategy. It's the admin. And every hour you spend clicking through CFPB forms is an hour you're not closing clients, not growing your business, not doing what you're actually good at.
One client. 3 bureaus. Up to 25 creditors. That's 28 separate CFPB complaint forms — each needing custom dates, company names, complaint text, and resolution language. Manually. One at a time.
If your time is worth $50/hr (conservative for a business owner), one identity theft case costs you $400+ in labor. You charge $500–$1,500 for the case. That's most of your margin gone — doing work a computer should handle.
While you're filing CFPB forms for 8 hours, you're not making sales calls. You're not following up on leads. You're not posting content. You're not doing anything that actually grows your business. That's the invisible cost nobody calculates.
Move the sliders. Watch what manual filing is actually costing your business — and what you could be making instead.
Adjust the sliders to match your business reality.
Four steps from submission to delivery. You focus on your clients — we handle the filing.
Fill out our intake form with client info and what needs filing. Takes about 5 minutes.
Same day, all CFPB complaints are filed — bureaus first, then individual creditors with custom text.
We deliver all complaint IDs, a tracking spreadsheet, and screenshots of every filing within 24hrs.
Deliver results under your brand. We stay invisible. You close the case.
Most credit repair businesses send dispute letters directly to the bureaus. That's the baseline — and bureaus know they can stall, rubber-stamp a "verified" response, or simply ignore a letter with zero consequences.
A CFPB complaint is different. It goes to a federal regulator with enforcement power. The bureau isn't just replying to your client — they're responding to the government on a public record that can be used in litigation.
Companies that drag their feet on dispute letters respond within 15 days when a CFPB complaint is filed. Every time. Because the alternative is regulatory scrutiny no company wants.
| Factor | Dispute Letter | CFPB Complaint |
|---|---|---|
| Who sees it | Bureau only | Federal regulator + public record |
| Response time | 30-45 days | 15 days required by law |
| Legal weight | None | Regulatory enforcement pressure |
| Creates litigation trail | Limited | Yes — admissible in court |
| Can be ignored | Often | Rarely — regulatory risk |
We file through the official CFPB portal. It's immediately logged, assigned a tracking number, and forwarded to the named company. This creates a federal record tied to your client's case.
Unlike a dispute letter, the company must respond to the CFPB — not just your client. Ignoring it risks regulatory scrutiny. Most companies remove legitimate errors rather than defend fraud on federal record.
When the complaint targets a bureau, they must investigate every listed item. With an FTC Identity Theft Report attached, bureaus are legally required under §605B to block fraudulent info within 4 business days.
Removed items no longer appear on the report. Inquiry counts drop. Collections disappear. Your client's score improves — and you delivered the result under your brand name.
Pay per case or lock in a retainer. Complete payment first, then submit your case through the intake form below.
Section 605B is a specific law inside the Fair Credit Reporting Act (FCRA) that gives identity theft victims a direct right to block fraudulent information from their credit report — separate from a regular dispute. When your client sends this letter to a bureau with their FTC Identity Theft Report attached, the bureau is legally required to block every listed item within 4 business days. No investigation. No back-and-forth. Just removal.
Best practice: File the CFPB complaint AND mail the 605B letter at the same time. The CFPB complaint hits the regulator level. The 605B hits the bureau directly. Two legal mechanisms, one case. Use the generator below to create the letter in seconds.
Complete your payment above first, then fill out this form. We confirm receipt within 2 business hours and deliver all confirmation IDs within 24 hours.