Complaints
This profile includes complaints for Credit Bureau Systems, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 45 total complaints in the last 3 years.
- 7 complaints closed in the last 12 months.
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Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.
Initial Complaint
Date:04/29/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am not liable for this debt with Credit Bureau Systems Lexington. I do not have a contract with Credit Bureau Systems Lexington. They did not provide me with the original contract as I requested.
Business Response
Date: 05/13/2025
I have attached documentation validating the account in question (CBS account number *******, ******* Health account number ************), including an itemized statement from our client ******* Health, a signed form showing that Ms. ****** agreed to be responsible for the charges, and a copy of Ms. ******'s driver's license which was provided to our client.Initial Complaint
Date:04/25/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
This company has referred a medical account to collections. I requested the original invoice from their client (3/31) because I believe the balance has been paid by my insurance company. I was provided an invoice that is not the original. I am attempting to verify the debt. I have made this request several times and have been given the runaround. I also have a question about an additional $129.00 charge and have yet to receive an answer. Could you please assist? My next step is my local congressional representative.Business Response
Date: 05/01/2025
As was explained in the response to Mr. *****' latest CFPB complaint, Southaven Fire Department adds a collection fee of 25% to all its collection accounts, resulting in the added charge of $127.37. The itemized statement previously sent to Mr. ***** was provided by our client.Customer Answer
Date: 05/01/2025
Complaint: ********
I am rejecting this response because: I called the contact for the original invoice to verify the charges. The original vendor did not validate this debt nor did they mention a collections fee. They referred me to this company’s parent company.This company continues to report a debt that has been previously paid by my insurance and they continue to report an additional charge that they applied. I will file another CFPB complaint as well as dispute the charge and collections via credit reporting agencies and other means.
Sincerely,
******** *****Business Response
Date: 05/06/2025
As we informed Mr. ***** in our 4/9/25 response to his CFPB complaint, if he has proof that the referenced collection account has already been paid, CBS would be happy to accept it and inquire further with our client.Customer Answer
Date: 05/06/2025
Complaint: ********
I am rejecting this response because: the company has no proof that this debt is owed by me. Every time I request the original documentation I am answered or referred to the vendor or parent company who is attempting to collect a debt. I am working to secure my medical records through other 3rd parties. This company continues to report an unverified debt.
Sincerely,
******** *****Initial Complaint
Date:04/04/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I honestly don’t get why CBS *** **** is reporting this debt under my name because I don’t owe them anything. I never signed anything with them, and when I asked for a copy of the original application, they didn’t even bother to provide it. It’s frustrating because this is hurting my credit for no reason, and it’s just not fair. How can they just put something on my report without any proof?
Account No: ****************
Amount Disputed: $1494Business Response
Date: 04/08/2025
Credit Bureau Systems, Inc. is the third party debt ***lection agency for ******-******** County Hospital. MCCH turned over this account to ***lections for Ms. ***** on December 6th, 2024, with a balance of $1,494.38. When the balance remained unpaid, CBS reported the account to Ms. *****'s credit on February 1st, 2025. As a courtesy, we have attached a copy of the itemized statement of services rendered by the hospital amounting to this balance; the copy of Ms. *****'s driver's license on file with the hospital, confirming her identity; and the paperwork signed by Ms. ***** acknowledging that she is financially responsible for services rendered. CBS has coded the account to report as disputed on Ms. *****'s credit.Initial Complaint
Date:03/24/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am not liable for this debt with CDE. I do not have a contract with Credit Bureau Systems. They did not provide me with the orginal contract as requested.Customer Answer
Date: 03/24/2025
Good morning! I sent the letter via certified mail on the date listed on the letter. It does have my old address because I recently moved but my mail is forwarded here to my new home. Regardless they never responded. Thank you!Business Response
Date: 03/25/2025
The dispute letter attached by *** ******, although dated 8/11/24, was not received in our office until 10/24/24. *** ******' collection account and ******* was coded to report as disputed and validation of the accounts ******* and ******* were mailed to the address provided by *** ****** on the letter on 11/1/24. I have attached a copy of the validation mailed.Initial Complaint
Date:03/06/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am not liable with this debt from credit bureau systems. I do not have a contract with this collection agency. They did not contacted me with the original contract as requested.Customer Answer
Date: 03/12/2025
***** ******** home address is **** ********* *** *********** ** *****Business Response
Date: 03/13/2025
Credit Bureau Systems, Inc. received an account in collections for *** ****** from ******* ****** ***** on July 30th, 2019. The balance referred was $1,416.76 and the date of service was December 26th, 2018. CBS is the third-party debt collection agency for and HIPAA Business Associate of ******* ****** - a contract between *** ****** and CBS is not required or necessary for CBS to collect the debt on behalf of ******* ******. As a courtesy, CBS has attached an itemized statement validating the debt here, and has coded the account to report as disputed. We ask that *** ****** please
be aware that this account is past the statute of limitations for collections,
meaning that CBS will not take any actions to collect
this balance. However, ******* ****** may still show the account as delinquent
and it may remain on *** ******'s credit report for up to seven years from the date of
service or until it is paid.Initial Complaint
Date:02/24/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
THIS DEBT COLLECTOR VIOLATED THE Fair Debt Collection Practices Act . This company refused to take my payment on multiple occasions (regardless if we were disputing final cost, they have NO authority to refuse my payment), wasted 2 hours of my time, and ultimately forced me to pay an amount I did not agree to under threat of further legal action and legal prosecution. I was told that they if I paid only the amount I agreed to pay, that they would allow the interest to accrue and pursue me accordingly, while I think this is a terrible way to conduct business, and unethical
In January '25 I was contacted by a law office in Paducah with instructions on how to resolve my outstanding medical debt. I was advised that payments would be made to "Credit Bureau Systems Inc". I was given the option to pay this debt in full with the advisement that doing so would eliminate any potential interest or fees and that could be added if i was unable to pay in full. I was also given the option of making payments in lieu of a 1 time full payment. Payment arrangements would result in interest and attorney fees as the attorney would have to gather payments until the debt was resolved: i understand and agree with this. I advised that i wanted to pay this debt off as soon as possible I would call back on or by 2/21 with either a majority of the monies owed and the intention of being able to pay all monies owed. I called the law office with the entire amount owed on 2/21 as promised, but i was then told that i now owe far much more that the original debt. I was advised then by the law office to contact "CBS INC" on 2/24. I called on 2/21 and left a voicemail and again on 2/24. When I made contact with *** of CBS, she became combative and unprofessional. I asked her several times why she would not take my payment, considering she has to read a disclaimer in the beginning of the call that I made to them, this is an attempt to collect a debt. I am very disturbed by these business practice.Business Response
Date: 03/04/2025
Mr.
********* complaint seems to hinge on the fact that he believed he should not
have had to pay fees additional to the principal balance incurred when paying the balance in full. Mr. *********
file was referred to our attorney’s office for non-payment on October 31st,
2024; Mr. ******* did not call **** Law with the intent to pay his principal balance in full until
February 21st, 2025. Previous contacts from Mr. ******* were in regards to making a payment plan, which Mr. ******* acknowledges in his complaint would result in additional fees. During that four-month time period,
interest was accruing and court costs were incurred by **** Law. Moreover, Mr.
******* signed agreeing to the statement “Should it be necessary for the
Hospital to pursue collection, I agree to pay all reasonable collection costs,
including court costs and attorney’s fees incurred by the Hospital in collecting
my account” for the dates of service in question (please see attachment). Prejudgment
interest/attorney’s fees were waived in an attempt to resolve the matter
amicably; however, Mr. ******* was repeatedly told that he would be responsible
for paying the court costs associated with this matter. Thus, Mr. *********
insistence that his payment of the principal balance not including any additional
charges constituted payment in full was refused solely due to the conditional
acceptance stated by Mr. *******. The payment including the court costs owed
was accepted by CBS on February 24th, 2025.Initial Complaint
Date:12/19/2024
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am not liable for this debt with ** *** **** **** and I do not have a contract with **** *** *** plus they did not provide me with the original application like I asked.
Account No: **********
Amount Disputed: $619Business Response
Date: 12/19/2024
*** ******* has contacted the wrong company. We do not have her account in our office.Initial Complaint
Date:06/12/2024
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am not liable for this debt with charter communications, i do not have a contract with Credit bureau systems, they did not provide me with the original contract as requested.Customer Answer
Date: 06/12/2024
All request for proof of records for collections were made via phone calls in which i answered there phone call, after i asking them multiple times to please stop contacting me.Business Response
Date: 06/24/2024
Credit Bureau Systems, Inc.
has no record of any dispute from *** ******. We currently hold five accounts
in collections for *** ****** which were referred to us by ******* ****** from
between March 2023 and June 2023. Since their referral, we have attempted to
reach *** ****** several times by phone and letter but were only able to make
contact with him once: on May 12th, 2023, at which time he stated he was on his
lunch break but would call back to set up a payment plan on his collection
balance of $1,545.19. We did not hear back from him and were never able to
establish contact again despite numerous attempts by phone and letter.
As a courtesy, we have attached an itemized statement for the
only account that we are currently reporting to *** ******' credit. However, to
reiterate, we have no request of *** ****** ever requesting a copy of any
statement from our agency. The account has been coded to report as disputed.
We have no knowledge of any Charter Communications and do not
know to what that refers.Initial Complaint
Date:05/29/2024
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I was paying ******* ****** on a payment plan and they sent part of my bill to collections. This CBS did not want to fear anything about that, or the fact that i was already paying out $100-$1200 a month in medical bills due to my multiple anti-autoimmune disorders (MS, dermatographia, Graves disease-which required me to have a total thyroidectomy); which has led to me having multiple surgeries. This CBS wanted me to pay an additional $100 a month. They bullied me into saying yes, no matter what I said I couldn't afford.Business Response
Date: 06/04/2024
Credit Bureau Systems, Inc. apologizes for the health problems *** ********* is experiencing. However, we must categorically deny these allegations. *** ********* called in to our office on May 29th, 2024. Once she explained her change in financial situation, *** *********'s account representative agreed to adjust her existing payment plan without objection. She asked "what can you commit to?" and when *** ********* expressed that a $50 a month payment would be more suitable for her (compared to her previous monthly payment of $100), her account rep offered a 23 month payment plan with an initial payment of $50.00 and 21 subsequent payments of $50.15, with a final payment of $50.22. *** ********* authorized the payment plan while on the phone with her account representative. There was never any disagreement regarding lowering the payment or pressure to keep the existing payment plan; it was never even mentioned.Initial Complaint
Date:04/10/2024
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I've reached out to this company a few times with no response. I've called and they have long wait times. I have also sent a letter a month ago to explain the account and nature of business. I still have yet to receive a response, They currently are listed on my credit report and I have never had any business or relationship with them. I have never signed any contracts or anything with this company. I am here to report a false account.Business Response
Date: 04/12/2024
Credit Bureau Systems, Inc. received collection account ******** from our client **** ***** on January 2nd, 2020, with a balance of $5,688.08. On January 4th, 2022, *** received a notice from *** ***** that she disputed the account. The account was coded to report as disputed on *** *****' credit report, and verification of the account was mailed to *** ***** on January 6th, 2022. No response was received from *** *****. Subsequent letters were sent to *** ***** to try and resolve the balance in April 2022; again, there was no response. Beginning in May 2022 and ending in February 2024, *** received ten direct disputes from *** ***** through her credit report. Each time, the account was verified as correct with our client **** *****. *** did receive an additional dispute letter from *** ***** on March 20th, 2023, disputing the account - however, seeing as the account has already been validated multiple times and coded as disputed on *** *****' credit report, no further action was deemed necessary.Customer Answer
Date: 04/15/2024
Complaint: ********
I am rejecting this response because:
a request for validation of this account was requested, this was not a dispute. I have not received any validation of this account as of today, neither have I signed a contract with this company in stating that I owe them. You have admitted to ignoring my request for validation.
Sincerely,
********* *****Business Response
Date: 04/19/2024
As we explained in our 4/12/24 response, validation of the account was mailed to *** ***** on January 6th, 2022. Credit Bureau Systems, Inc. is the contract third-party collection agency with **** *****, meaning that *** assists **** ***** with its accounts receivable; a contract between the consumer and the collection agency is not required.Customer Answer
Date: 04/22/2024
Complaint: ********
As explained in my last response. A letter of validation was never received and client has refused to send one as requested several times.
If this account is what I believe it is, this property was destroyed in a storm and written off through a homeowners policy.
Sincerely,
********* *****
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