Credit Bureau Systems, Inc., Paducah, KY Branch
Open-data reference.
Debt Collector, CFPB Complaint Profile Specializes in: Medical 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 | 7 |
| 2015 | 12 |
| 2016 | 11 |
| 2017 | 15 |
| 2018 | 15 |
| 2019 | 17 |
| 2020 | 17 |
| 2021 | 22 |
| 2022 | 47 |
| 2023 | 20 |
| 2024 | 26 |
| 2025 | 85 |
| 2026 | 18 |
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 Systems, Inc., Paducah, KY Branch
261 debt-collection complaints against Credit Bureau Systems, Inc., Paducah, KY Branch appear in the CFPB record - 83.4% of the 313 complaints filed about this entity. The 26 states and territories represented make this a multi-state operation by complaint volume. "Medical 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 single most-cited specific issue is "Attempts to collect debt not owed" - a useful starting point for understanding where the friction between this collector and consumers most frequently occurs.
Within the Bureau's 15-day response window, this company answers 99.7% of forwarded complaints. That clears the industry benchmark, a sign the intake process is functioning on schedule. 24.9% of resolved cases against this company closed with some form of consumer relief. In 20% 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 Systems, Inc., Paducah, KY Branch have?
Credit Bureau Systems, Inc., Paducah, KY Branch has 261 debt collection complaints filed with the CFPB, representing 83.4% of all complaints against this company.
Does Credit Bureau Systems, Inc., Paducah, KY Branch respond to complaints on time?
99.7% of the CFPB complaints against Credit Bureau Systems, Inc., Paducah, KY Branch get a response within the expected window. That puts it among the more responsive collectors in the CFPB dataset.
Does Credit Bureau Systems, Inc., Paducah, KY Branch provide relief to consumers?
Credit Bureau Systems, Inc., Paducah, KY Branch closed 24.9% of resolved complaints with some form of consumer relief, monetary or non-monetary.
What type of debt does Credit Bureau Systems, Inc., Paducah, KY Branch primarily collect?
"Medical debt" is the debt type Credit Bureau Systems, Inc., Paducah, KY Branch is most associated with in CFPB complaint data - see the full breakdown above.
What rights do I have against Credit Bureau Systems, Inc., Paducah, KY Branch?
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 Systems, Inc., Paducah, KY Branch active?
Consumers in 26 states and territories have filed CFPB complaints against Credit Bureau Systems, Inc., Paducah, KY Branch.
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.