What is the most common complaint against Credit Bureau Services Association?

The most common issue consumers report about Credit Bureau Services Association is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 195 complaints filed with the CFPB.

Are complaints against Credit Bureau Services Association increasing or decreasing?

Complaints against Credit Bureau Services Association have been stable. The company received 43 complaints in the last 12 months.

What is Credit Bureau Services Association's reputation grade?

Credit Bureau Services Association has a reputation grade of D (score: 50.8/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Credit Bureau Services Association respond to consumer complaints?

Credit Bureau Services Association has a 86% timely response rate to CFPB complaints. Consumers disputed the company's response in 22% of cases.

In how many states does Credit Bureau Services Association operate?

Credit Bureau Services Association has received CFPB complaints from consumers in 25 states, with the most complaints from Texas (105 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Credit Bureau Services Association - Debt Collector Complaint Profile

CFPB complaint profile across 25 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

75
Written notification about debt

38
False statements or representation

38
Took or threatened to take negative or legal action

14
Cont'd attempts collect debt not owed

13
Communication tactics

6

Data updated September 2026

CFPB complaint disposition

CCDB record credit-bureau-services-association Credit Bureau Services Association

Grade D · 195 CFPB filings · 86% timely · lead issue: Attempts to collect debt not owed · vol #551 · compose #4074

VOL 195
GRADE D
12MO 43
STATES 25
TIMELY 86%
DISPUTE 22%
ISSUE Attempts to collect debt n…
RANK #551
COMPOSE #4,074

Volume peers

Nearest volume peer: 2288984 Ontario Inc. (195 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Credit Bureau Services Association's 195 CFPB complaints sit next to 2288984 Ontario Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

53.8% of Credit Bureau Services Association's CFPB filings land in Texas

High volume does not equal a clean composite: Credit Bureau Services Association is volume #551 but composite #4,074, while Texas dominates the geography. Corpus placement method.

Dominant state: Texas 53.8%; 105 of 195 filings · 25 states touched
Seasonal peak: 2025-10 10.8%; 8–15% band · 11 filings
Divergent corpus ranks: #551 volume; #4,074 composite; Cleanest-composite ladder is 3,523 places worse than volume

How does Credit Bureau Services Association compare to its peers?

How does Credit Bureau Services Association compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Credit Bureau Services… National average

Complaints (last 12 mo)lower is better

143

268

Timely-response ratehigher is better

86%

100%

91%

Consumer-dispute ratelower is better

22%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	75
Written notification about debt	38
False statements or representation	38
Took or threatened to take negative or legal action	14
Cont'd attempts collect debt not owed	13
Communication tactics	6
Disclosure verification of debt	5
Threatened to contact someone or share information improperly	3
Improper contact or sharing of info	3

Where do complaints against Credit Bureau Services Association come from?

Credit Bureau Services Association's own per-state count, not a national baseline.

Texas

105
Oklahoma

28
Georgia

8
Tennessee

6
Arkansas

5
Illinois

5
South Carolina

5
Ohio

4

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Credit Bureau Services Association: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 195.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 86.36363636363636%.

4 peers

Know your rights before responding to Credit Bureau Services Association: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.