Credit Bureau Services Association
A federal complaint-record lookup, not a rating from us.
Debt Collector, CFPB Complaint Profile Specializes in: Other debt
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
Most consumers facing collection complaints carry utilization in the Fair-Poor band. FICO bands per myFICO + Experian guidance.
FICO impact ranges synthesize myFICO + Experian + Equifax consumer-education materials. Individual results vary.
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 1 |
| 2014 | 6 |
| 2015 | 7 |
| 2016 | 5 |
| 2017 | 19 |
| 2018 | 24 |
| 2019 | 16 |
| 2020 | 14 |
| 2021 | 20 |
| 2022 | 18 |
| 2023 | 14 |
| 2024 | 20 |
| 2025 | 36 |
| 2026 | 10 |
Complaints by State (Top 15)
Other Complaint Types
Your Rights with Debt Collectors
The Fair Debt Collection Practices Act (FDCPA) protects you from abusive, unfair, and deceptive collection practices.
- Request written verification of any debt within 30 days of first contact
- Dispute a debt if you believe it is incorrect or does not belong to you
- Demand the collector stop contacting you (in writing)
- File a complaint with the CFPB at consumerfinance.gov/complaint
What the CFPB Record Shows for Credit Bureau Services Association
The CFPB has logged 177 debt-collection complaints against Credit Bureau Services Association, 84.3% of the 210 complaints filed against this entity overall. Consumers in 28 states and territories have filed reports, putting this collection operation in multi-state territory by complaint volume. "Other debt" is the debt type named most often in complaints against this collector, the category consumers reach for most when filing a CFPB report. The specific issue named most is "Attempts to collect debt not owed," a reasonable starting point for understanding recurring friction with this collector.
87.1% of CFPB-forwarded complaints against this company get a reply inside the Bureau's 15-day window. That falls short of the 95% benchmark, a gap that tends to track with more disputes downstream. Of resolved cases, 0.5% closed with monetary or non-monetary relief to the consumer, which is a notably low relief ratio and worth weighing against the disputed-response percentage. In 22.2% of resolved cases, the consumer formally disputed the response - a rough measure of how often the first resolution missed the mark.
How to read these numbers, and what to do if you're disputing a charge
Complaint volume alone does not prove wrongdoing, larger collection portfolios naturally produce more complaints, but the combination of timely-response rate, relief ratio, and dispute rate above gives a reasonable empirical picture of how this collector handles consumer interactions. Anyone in active dispute with this company should keep written records, use certified mail for verification requests (see your FDCPA rights above), and consider filing a CFPB complaint if standard resolution channels stall.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.
Frequently Asked Questions
How many debt collection complaints does Credit Bureau Services Association have?
Credit Bureau Services Association has 177 debt collection complaints filed with the CFPB, representing 84.3% of all complaints against this company.
Does Credit Bureau Services Association respond to complaints on time?
Credit Bureau Services Association's CFPB timely-response rate is 87.1%.
Does Credit Bureau Services Association provide relief to consumers?
Credit Bureau Services Association closed 0.5% of resolved complaints with some form of consumer relief, monetary or non-monetary.
What type of debt does Credit Bureau Services Association primarily collect?
Credit Bureau Services Association primarily collects "Other debt" based on CFPB complaint data. The full breakdown of debt types is shown above.
What rights do I have against Credit Bureau Services Association?
Under the Fair Debt Collection Practices Act (FDCPA), you can request written debt verification within 30 days, dispute debts you believe are incorrect, demand the collector stop contacting you in writing, and file a complaint with the CFPB at consumerfinance.gov/complaint.
In how many states is Credit Bureau Services Association active?
Credit Bureau Services Association has received consumer complaints from 28 states and territories, based on CFPB data.
Source: Consumer Financial Protection Bureau Consumer Complaint Database · Q1 2026 Complaints filed against firms, not individuals. Data through March 2026.
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the CFPB Consumer Complaint Database. Consult a qualified professional before making decisions based on this data.
Read our methodology - how this data is sourced, computed, and verified.