Total CFPB complaints
176
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 176 complaints
Credit Bureau Services Association — Debt Collector Complaint Profile
CFPB complaint profile across 22 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Credit Bureau Services Association
- Attempts to collect debt not owed
Attempts to collect debt not owed
70 complaints
- Written notification about debt
Written notification about debt
36 complaints
- False statements or representation
False statements or representation
30 complaints
- Cont'd attempts collect debt not owed 12
Cont'd attempts collect debt not owed
12 complaints
- Took or threatened to take negative or legal action 8
Took or threatened to take negative or legal action
8 complaints
- Communication tactics 4
Communication tactics
4 complaints
D
Grade D · 54.0/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Credit Bureau Services Association?
Credit Bureau Services Association has accumulated 176 total CFPB complaints across 22 states, with 27 filed in the most recent 12 months against 149 historical complaints before that window. The trailing-12-month volume represents 15.3% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 86% timely-response rate against a 22% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 22 states, led by Texas with 100 and Oklahoma with 26, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 54.0/100 places Credit Bureau Services Association in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
27
15.3% of total history
Rising ↑
States active
22
Distinct state filings
Timely response rate
86%
Within CFPB SLA window
Consumer disputes
22%
After company response
Reputation grade
D
54.0/100 composite
Response-quality profile
How Credit Bureau Services Association performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 86.4%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 44.4%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 39.3%
Share of US states + territories with at least one filed complaint against this collector.
How does Credit Bureau Services Association compare to its peers?
Credit Bureau Services… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2023-10 2026-03
Top Consumer Issues
Attempts to collect debt not owed70 (%)
False statements or representation30 (%)
Written notification about debt36 (%)
Took or threatened to take negative or legal action8 (%)
Cont'd attempts collect debt not owed12 (%)
Communication tactics4 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 50 |
| False statements or representation | Attempted to collect wrong amount | 30 |
| Written notification about debt | Didn't receive enough information to verify debt | 27 |
| Attempts to collect debt not owed | Debt was paid | 11 |
| Attempts to collect debt not owed | Debt was result of identity theft | 9 |
| Written notification about debt | Didn't receive notice of right to dispute | 9 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 8 |
| Cont'd attempts collect debt not owed | Debt is not mine | 7 |
| Cont'd attempts collect debt not owed | Debt was paid | 5 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 4 |
Where do complaints against Credit Bureau Services Association come from?
The states where consumers have filed the most CFPB complaints against Credit Bureau Services Association. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Credit Bureau Services Association
Across 22 states with at least one filing
- Texas
Texas
100 complaints
- Oklahoma 26
Oklahoma
26 complaints
- Georgia 6
Georgia
6 complaints
- Arkansas 5
Arkansas
5 complaints
- South Carolina 5
South Carolina
5 complaints
- Illinois 5
Illinois
5 complaints
- Tennessee 4
Tennessee
4 complaints
- California 3
California
3 complaints
Frequently Asked Questions
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 176 complaints filed with the CFPB.
Are complaints against Credit Bureau Services Association increasing or decreasing? ▼
Complaints against Credit Bureau Services Association are rising. The company received 27 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Credit Bureau Services Association's reputation grade? ▼
Credit Bureau Services Association has a reputation grade of D (score: 54.0/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 22 states, with the most complaints from Texas (100 complaints).
What can I do if Credit Bureau Services Association is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Credit Bureau Services Association violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |