What is the most common complaint against Credit Bureau Systems, Inc., Paducah, KY Branch?

The most common issue consumers report about Credit Bureau Systems, Inc., Paducah, KY Branch is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 277 complaints filed with the CFPB.

Are complaints against Credit Bureau Systems, Inc., Paducah, KY Branch increasing or decreasing?

Complaints against Credit Bureau Systems, Inc., Paducah, KY Branch have been stable. The company received 74 complaints in the last 12 months.

What is Credit Bureau Systems, Inc., Paducah, KY Branch's reputation grade?

Credit Bureau Systems, Inc., Paducah, KY Branch has a reputation grade of D (score: 55.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Credit Bureau Systems, Inc., Paducah, KY Branch respond to consumer complaints?

Credit Bureau Systems, Inc., Paducah, KY Branch has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 18% of cases.

In how many states does Credit Bureau Systems, Inc., Paducah, KY Branch operate?

Credit Bureau Systems, Inc., Paducah, KY Branch has received CFPB complaints from consumers in 24 states, with the most complaints from Kentucky (103 complaints).

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

Credit Bureau Systems, Inc., Paducah, KY Branch - Debt Collector Complaint Profile

CFPB complaint profile across 24 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

88
Written notification about debt

64
False statements or representation

46
Took or threatened to take negative or legal action

34
Communication tactics

14
Disclosure verification of debt

11

Data updated September 2026

CFPB complaint disposition

CCDB record credit-bureau-systems-inc-paducah-ky-branch Credit Bureau Systems, Inc., Paducah, KY Branch

Grade D · 277 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #422 · compose #3234

VOL 277
GRADE D
12MO 74
STATES 24
TIMELY 100%
DISPUTE 18%
ISSUE Attempts to collect debt n…
RANK #422
COMPOSE #3,234

Volume peers

Nearest volume peer: Credit Fresh Holdings Inc (280 complaints)

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

Credit Bureau Systems, Inc., Paducah, KY Branch's 277 CFPB complaints sit next to Credit Fresh Holdings 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

37.2% of Credit Bureau Systems, Inc., Paducah, KY Branch's CFPB filings land in Kentucky

High volume does not equal a clean composite: Credit Bureau Systems, Inc., Paducah, KY Branch is volume #422 but composite #3,234, while Kentucky dominates the geography. Corpus placement method.

Dominant state: Kentucky 37.2%; 103 of 277 filings · 24 states touched
Seasonal peak: 2025-12 14.8%; 8–15% band · 8 filings
Divergent corpus ranks: #422 volume; #3,234 composite; Cleanest-composite ladder is 2,812 places worse than volume

How does Credit Bureau Systems, Inc., Paducah, KY Branch compare to its peers?

How does Credit Bureau Systems, Inc., Paducah, KY Branch 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 Systems,… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

81%

91%

Consumer-dispute ratelower is better

18%

16%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-05 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	88
Written notification about debt	64
False statements or representation	46
Took or threatened to take negative or legal action	34
Communication tactics	14
Disclosure verification of debt	11
Cont'd attempts collect debt not owed	10
Threatened to contact someone or share information improperly	5
Improper contact or sharing of info	5

Where do complaints against Credit Bureau Systems, Inc., Paducah, KY Branch come from?

Credit Bureau Systems, Inc., Paducah, KY Branch's own per-state count, not a national baseline.

Kentucky

103
Missouri

46
Tennessee

24
Florida

12
Indiana

12
Mississippi

12
Texas

9
Georgia

8

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Credit Bureau Systems, Inc., Paducah, KY Branch: 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: 277.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.61685823754789%.

4 peers

Know your rights before responding to Credit Bureau Systems, Inc., Paducah, KY Branch: 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.