Credit reporting
MicroBilt / Prbc (formerly Cl Verify): what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 74
- Closed with money back
- 0
- 2023 to 2025
- 12 to 53
MicroBilt / Prbc (formerly Cl Verify) received 1,412 complaints from everyone in the window; 74 carried the servicemember tag. The complaints are mostly about credit reporting or other personal consumer reports, and the single most common issue is "Problem with a company's investigation into an existing problem". 0 of the 74 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. The yearly count rose from 12 in 2023 to 53 in 2025.
What the complaints are about
By product
| Credit reporting or other personal consumer reports | 66 |
| Credit reporting, credit repair services, or other personal consumer reports | 8 |
By issue
| Problem with a company's investigation into an existing problem | 30 |
| Incorrect information on your report | 20 |
| Improper use of your report | 19 |
| Problem with fraud alerts or security freezes | 3 |
| Problem with a company's investigation into an existing issue | 1 |
| 2023: 12 | 2024: 9 | 2025: 53 |
Which accounts, specifically
| Credit reporting | 74 |
| Other personal consumer report | 3 |
What went wrong, specifically
| Their investigation did not fix an error on your report | 31 |
| Reporting company used your report improperly | 18 |
| Information belongs to someone else | 13 |
| Account information incorrect | 4 |
| Personal information incorrect | 3 |
Busiest month: November 2025, with 16 servicemember complaints. Most were submitted by web.
Most complaints came from FL (33), GA (6), CA (4) , then MI, NC, PA.
How MicroBilt / Prbc (formerly Cl Verify) answered
| Closed with explanation | 74 |
MicroBilt / Prbc (formerly Cl Verify) responded within the CFPB's 15-day window on 95% of servicemember complaints (directory-wide: 99%). Where the company published a response, the most common was: "Company has responded to the consumer and the CFPB and chooses not to provide a public response" (71). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Credit reporting or other personal consumer reports; Incorrect information on your report. MI, 2024-06-14. Outcome: Closed with explanation. Complaint 9252967
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Credit reporting or other personal consumer reports; Improper use of your report. AZ, 2024-05-15. Outcome: Closed with explanation. Complaint 9020430
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Credit reporting or other personal consumer reports; Problem with a company's investigation into an existing problem. IL, 2024-05-03. Outcome: Closed with explanation. Complaint 8912639
If this is your problem at MicroBilt / Prbc (formerly Cl Verify)
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with credit reporting peers
- Regional Management 74 servicemember complaints; 0 with money back
- Conn's 73 servicemember complaints; 0 with money back
- Possible Financial 78 servicemember complaints; 0 with money back
- BMW Financial Services NA 80 servicemember complaints; 0 with money back
- Lci Acquisition 80 servicemember complaints; 0 with money back
Next in the directory by volume: Convergent Resources.
Frequently asked questions
How many complaints did servicemembers file against MicroBilt / Prbc (formerly Cl Verify)?
74 complaints tagged servicemember were received by the CFPB about MicroBilt / PRBC (formerly CL Verify) between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 12 in 2023 to 53 in 2025.
What do servicemembers complain about most at MicroBilt / Prbc (formerly Cl Verify)?
Credit reporting or other personal consumer reports accounts for 66 of the 74 complaints, and the most common issue is "Problem with a company's investigation into an existing problem" (30). Next: "Incorrect information on your report" (20).
Does MicroBilt / Prbc (formerly Cl Verify) give money back when a servicemember complains?
0 of the 74 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. 0 closed with non-monetary relief and 74 closed with an explanation only. MicroBilt / Prbc (formerly Cl Verify) answered 95% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.