What Verdica's 850 score means for Integrity Funding Ohio, Llc
Integrity Funding Ohio, Llc has achieved Verdica's highest composite score of 850 out of 850, placing it in the "excellent" band (800–850). This score reflects a compliance profile with no identified issues across the tracked dimensions: state licensing, CFPB complaints, and FTC enforcement actions.
An 850 score does not mean the entity is perfect or risk-free in all operational areas—Verdica measures only what public regulatory records show. It means that as of the data snapshot, there are no public complaints filed with the CFPB, no state licensing suspensions or revocations, and no FTC enforcement actions on record. For a collection provider, this represents a clean regulatory history on the specific metrics that federal and state agencies use to monitor fair lending, debt collection practices, and licensing compliance.
Readers should interpret this as a strong compliance baseline: the entity operates within the bounds that regulators monitor and has not attracted enforcement action or widespread formal complaints in those channels. However, this score reflects only indexed public data and does not cover customer satisfaction, internal quality control, or disputes resolved outside regulatory channels. Verdica notes that no independent customer reviews are indexed for this entity yet, which means the public-facing reputation picture is incomplete.
How the sub-scores break down
License (850): State licensing authorities oversee collection agencies, debt buyers, and related entities to verify they meet capital, training, and operational standards. A perfect score of 850 on licensing means no suspensions, revocations, or active enforcement actions by state regulators appear in the data. This indicates the entity holds required credentials and has not been flagged for licensing violations.
CFPB Complaints (850): The Consumer Financial Protection Bureau maintains a public complaint database tracking issues consumers file against financial service providers, including debt collectors. These complaints typically concern communication tactics, disputed debt verification, privacy violations, and harassment. A score of 850 here means zero complaints are indexed in the CFPB's public system. This does not guarantee complaints were never filed; it reflects what the agency's database shows at the time of scoring.
FTC / Enforcement (850): The Federal Trade Commission brings enforcement actions against companies that violate the Fair Debt Collection Practices Act, Fair Credit Reporting Act, and other consumer protection statutes. Cases range from misleading practices to illegal contact methods. A perfect score means no FTC enforcement actions appear on the public record. This also includes state attorneys general enforcement actions reported through FTC channels.
What regulators track for collection providers
Regulators focus on three core areas for collection providers:
Licensing & Registration: States require collection agencies to register, post bonds, maintain net worth thresholds, and sometimes undergo background checks. Violations include operating without proper credentials, failing to renew, or breaching financial requirements.
Complaint Volume & Patterns: The CFPB's complaint database is public and searchable by company. High complaint volume or repeated patterns—such as repeated violations of contact rules, false statements about debt, or unlicensed practice—can trigger regulatory review and enforcement.
Enforcement History: The FTC and state AGs pursue cases against collectors who misrepresent debt, call repeatedly after being asked to stop, fail to honor disputes, or collect debts they know are time-barred. Settlements often include restitution and practice changes.
These three measures create a compliance snapshot but do not capture all operational risk. Internal disputes, arbitration settlements, or complaints handled informally outside regulatory channels are not reflected in Verdica's score.
Bottom line
Integrity Funding Ohio, Llc presents a clean regulatory profile based on state licensing and federal complaint and enforcement data. Before engaging, verify that licensing remains current, confirm the entity's role in your collection chain, and ask for references or details on complaint resolution processes—especially since no independent customer reviews are yet indexed for this provider.