Does Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates respond to consumer complaints?

Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates has a 6% timely response rate to CFPB complaints.

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

Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates - Debt Collector Complaint Profile

Q: What is the most common complaint against Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates?

The most common issue consumers report about Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 167 complaints filed with the CFPB.

Q: Are complaints against Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates increasing or decreasing?

Complaints against Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates are rising. The company received 108 complaints in the last 12 months, indicating an upward trend in consumer issues.

CFPB complaint profile across 23 states, reputation grade F.

Compiled by PlainCollector

Took or threatened to take negative or legal action

66
Attempts to collect debt not owed

58
False statements or representation

19
Written notification about debt

18
Electronic communications

4
Communication tactics

2

Data updated September 2026

CFPB complaint disposition

CCDB record merchants-medical-adjustment-bureau-inc-dba-credit-bureau-associates Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates

Grade F · 167 CFPB filings · 6% timely · lead issue: Took or threatened to take negative or legal action · vol #618 · compose #5275

VOL 167
GRADE F
12MO 108
STATES 23
TIMELY 6%
ISSUE Took or threatened to take…
RANK #618
COMPOSE #5,275

Volume peers

Nearest volume peer: Collectech Diversified, Inc. (168 complaints)

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

Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates's 167 CFPB complaints sit next to Collectech Diversified, 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

47.9% of Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates's CFPB filings land in Georgia

High volume does not equal a clean composite: Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates is volume #618 but composite #5,275, while Georgia dominates the geography. Corpus placement method.

Dominant state: Georgia 47.9%; 80 of 167 filings · 23 states touched
Even monthly load: Peak under 8%; Highest month 2015-03 at 7.7% (8 filings)
Divergent corpus ranks: #618 volume; #5,275 composite; Cleanest-composite ladder is 4,657 places worse than volume

How does Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates compare to its peers?

How does Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Merchants & Medical Ad… National average

Complaints (last 12 mo)lower is better

108

268

Timely-response ratehigher is better

61%

91%

Consumer-dispute ratelower is better

22%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2014-12 2017-04

Issue Detail Breakdown

Issue	Complaints
Took or threatened to take negative or legal action	66
Attempts to collect debt not owed	58
False statements or representation	19
Written notification about debt	18
Electronic communications	4
Communication tactics	2

Where do complaints against Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates come from?

Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates's own per-state count, not a national baseline.

Georgia

80
Texas

16
Florida

15
North Carolina

14
California

8
Arizona

7
Maryland

3
Tennessee

3

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates: 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: 167.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 6.1946902654867255%.

4 peers

Know your rights before responding to Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates: 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.