Credit Bureau Services is a debt collection firm which appears to have received a large amount of complaints alleging violations of the Fair Debt Collection Practices Act. Find out who they are, why they might be calling, and how you can stop them.
Credit Bureau Services is a debt collection business based in Cape Girardeau, Missouri. It appears as though there are a variety of different complaints against Credit Bureau Services alleging violations of the Fair Debt Collection Practices Act (FDCPA) such as charging consumers with invalidated debt and failing to effectively communicate with consumers. If you have been contacted by this debt collector, make sure you understand your rights before taking action.
The harassing company pays our fees.
They’re legit. Credit Bureau Services has been in the collections business for an impressive 42 years. On top of this lengthy experience, Credit Bureau Services has also received an “A+” rating from the Better Business Bureau. While the company has not received accreditation from the BBB, the company’s extensive years of experience and the average rating from the BBB award consumers with the knowledge that Credit Bureau Services is not a scam.
Credit Bureau Services was established on June 1st, 1978 and its BBB account was opened on September 9th, 1998. Additionally, this collections company cites on their website that they have a variety of “valued partners” which include CDIA, HFMA, Jackson Area Chamber of Commerce, ACA International, MGMA, BNI, Cape Chamber, Missouri Collectors Association, Perryville Chamber of Commerce, Paducah Area Chamber of Commerce, and MGMA Southeast Region. Lastly, According to dnb.com the company has an employee base of 20, and sales of $1.98 million. The leadership of the collections company is headed by President Bill Berry.
Remember that while it is important that you do not ignore the need to resolve your alleged debt with Credit Bureau Services, as this could potentially harm your credit and ability to take out future loans, be wary of any suspicious activity where the company could potentially be violating the FDCPA. With that being said, remember that the debt which you may have been contacted about is real, and needs to be dealt with.
Credit Bureau Services does not leave any information on their collections website about who they specifically collect for or which area of collections that they specialize in. The company leaves this simple message instead, writing, “Whether you are a client seeking help in Accounts Receivables or a consumer paying on a bill, we are at your service. We provide you with innovative solutions to enhance your business, while providing consumers an option of financial freedom”. Therefore, Credit Bureau Services could work within a number of different areas of collections, making it very important that as a consumer you confirm with the collections company about what debt is specifically owed and to whom. Inquiring as soon as possible is the smartest move to make, and if you feel as though this company has breached their FDCPA rights be sure to contact an attorney to help you file a lawsuit. Credit Bureau Services also writes that they provide collection services, client services, technology, and training to their clients.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
There are a number of reviews and complaints currently posted about Credit Bureau Services across the internet. In fact on the BBB, Credit Bureau Services has received 4 complaints closed in the last 3 years, without any customer reviews. Additionally, on Google Reviews the collections company has accumulated 5 reviews amounting to a 1.8 star review overall. These reviews mainly noted that Credit Bureau Services was allegedly reporting debt that isn’t owed and failing to respond to consumers. The collections company could have also been a part of more lawsuits, sanctions, and penalties. Take a look at the Public Access to Court Electronic Records (“PACER”) which reports all federal complaints within the U.S. federal system’s docket to find out.
Collections companies cannot make empty threats to sue you or garnish because it is illegal. For most cases, collections companies will likely choose not to sue if they cannot verify your debt or you may not owe said debt. Nevertheless, Credit Bureau Services can still summon debtors to court and garnish wages after a default judgement. If you believe that Credit Bureau Services may have violated the FDCPA, hire legal aid to resolve the discrepancy. It is wisest to contact an attorney preemptively to ensure the safety of your assets and rights. Lemberg Law has helped thousands of consumers fight back against these cases of fraudulent collection practices. Call us today to find out how we can help you resolve this issue.
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Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Absolutely. You can sue a debt collector. Here is a sample complaint.
A complainant, “received a notice in October that an account was sent to collection inaccurately”. Because the complainant has medicaid insurance, they claim that, “there should not be any form of a remaining bill”. After finding this discrepancy, the complainant called Credit Bureau Services, “upon receiving the notice and requested a dispute”. The complainant additionally, “called the state of Illinois’s Medicaid provider and requested a dispute form explaining why the bill was not paid”. According to the Medicaid provider, the healthcare service was paid by the insurance excluding a copayment of $3. The complainant believes that this bill should have been covered by insurance. This account should have never been sent to collections, and the complainant wants it to be immediately removed.
The Fair Debt Collection Practices Act protects citizens like you against the abuses and misconduct of collection agencies. If you find that you have become a victim of illegal collections practices, read up on your FDCPA rights listed on the Federal Trade Commission’s website under, “Debt Collection FAQs”. Do not forget that you also have additional rights other than those listed under the FDCPA. These supplementary rights include those enumerated in the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
Yes you are able to sue Credit Bureau Services. If you feel as though your FDCPA rights have been breached, suing is the best course of resolution. In order to recover your damages and protect yourself as an individual, you should sue and utilize the Federal laws that protect citizens like you from these fraudulent practices. Award yourself the power to defend your rights and protect your assets. Individuals like you can recover damages of up to $1,000, plus attorney fees and court costs.
You may have a case, if…
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“A happy ending to a bad situation with harassment from a debt collector. Everything stopped immediately. I am very thankful for the help from Lemberg Law.”
“Everyone was so helpful and the service was excellent. I am so grateful that I took a chance and clicked on that link that day. I highly recommend their firm.”
“The group at Lemberg Law was professional, courteous, and effective. Their grasp of consumer protection laws and guidelines are second to none, and they work extremely difficult to ensure this procedure is client-friendly.”
Yes, we would love to assist you with your case. Call us today.
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Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."
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