Total CFPB complaints
261
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 261 complaints
Credit Bureau Systems, Inc., Paducah, KY Branch — Debt Collector Complaint Profile
CFPB complaint profile across 24 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Credit Bureau Systems, Inc., Paducah, KY Branch
- Attempts to collect debt not owed
Attempts to collect debt not owed
81 complaints
- Written notification about debt
Written notification about debt
63 complaints
- False statements or representation
False statements or representation
35 complaints
- Took or threatened to take negative or legal action 27
Took or threatened to take negative or legal action
27 complaints
- Communication tactics 7
Communication tactics
7 complaints
- Disclosure verification of debt 6
Disclosure verification of debt
6 complaints
D
Grade D · 58.4/100 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 Systems, Inc., Paducah, KY Branch?
Credit Bureau Systems, Inc., Paducah, KY Branch has accumulated 261 total CFPB complaints across 24 states, with 74 filed in the most recent 12 months against 187 historical complaints before that window. The trailing-12-month volume represents 28.4% 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 100% timely-response rate against a 18% 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 24 states, led by Kentucky with 97 and Missouri with 42, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 58.4/100 places Credit Bureau Systems, Inc., Paducah, KY Branch 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
74
28.4% of total history
Rising ↑
States active
24
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
18%
After company response
Reputation grade
D
58.4/100 composite
Response-quality profile
How Credit Bureau Systems, Inc., Paducah, KY Branch performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.6%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 36.4%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 42.9%
Share of US states + territories with at least one filed complaint against this collector.
How does Credit Bureau Systems, Inc., Paducah, KY Branch compare to its peers?
Credit Bureau Systems,… 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)
2024-01 2026-03
Top Consumer Issues
Attempts to collect debt not owed81 (%)
Written notification about debt63 (%)
False statements or representation35 (%)
Took or threatened to take negative or legal action27 (%)
Communication tactics7 (%)
Disclosure verification of debt6 (%)
Cont'd attempts collect debt not owed6 (%)
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 | 48 |
| Written notification about debt | Didn't receive enough information to verify debt | 42 |
| False statements or representation | Attempted to collect wrong amount | 35 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 27 |
| Attempts to collect debt not owed | Debt was paid | 22 |
| Written notification about debt | Didn't receive notice of right to dispute | 21 |
| Attempts to collect debt not owed | Debt was result of identity theft | 11 |
| Communication tactics | Frequent or repeated calls | 7 |
| Disclosure verification of debt | Not given enough info to verify debt | 6 |
| Cont'd attempts collect debt not owed | Debt is not mine | 6 |
Where do complaints against Credit Bureau Systems, Inc., Paducah, KY Branch come from?
The states where consumers have filed the most CFPB complaints against Credit Bureau Systems, Inc., Paducah, KY Branch. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Credit Bureau Systems, Inc., Paducah, KY Branch
Across 24 states with at least one filing
- Kentucky
Kentucky
97 complaints
- Missouri
Missouri
42 complaints
- Tennessee 23
Tennessee
23 complaints
- Indiana 12
Indiana
12 complaints
- Mississippi 11
Mississippi
11 complaints
- Florida 11
Florida
11 complaints
- Georgia 8
Georgia
8 complaints
- Texas 8
Texas
8 complaints
Frequently Asked Questions
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 261 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 are rising. The company received 74 complaints in the last 12 months, indicating an upward trend in consumer issues.
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: 58.4/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 (97 complaints).
What can I do if Credit Bureau Systems, Inc., Paducah, KY Branch 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 Systems, Inc., Paducah, KY Branch 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 |