Complaints

This profile includes complaints for Credit Bureau Systems, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  Credit Bureau Systems, Inc.

  100 Fulton Ct Paducah, KY 42001-9004

  
• 

  Credit Bureau Systems, Inc.

  2541 Sir Barton Way Lexington, KY 40509-2292

  
• 

  Credit Bureau Systems, Inc.

  25 Jefferson St Ste 200A Clarksville, TN 37040

  

The 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:06/23/2023

  Type:Billing Issues
  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 reliable for the debt with Lexington Clinic Athena. I do Not have a contract with Credit Bureau Systems. I requested a written contract and they did NOT PROVIDE as requested.

  

  Business Response

  Date: 08/04/2023

  Credit Bureau Systems, Inc. is the third party debt collection agency for Lexington Clinic. As a courtesy, we have attached the itemized statement from our client for *** ******* We received several direct disputes from *** ****** through TransUnion, to which we responded appropriately and lawfully each time. 

• Initial Complaint

  Date:06/05/2023

  Type:Customer Service Issues
  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 have no contractual agreement with this company yet they have derogatory remarks on my credit. I asked them to correct this with the credit bureaus but they refuse. This is a total violation of my right as relates to the fair credit reporting act

  

  Business Response

  Date: 06/13/2023

  Credit Bureau Systems, Inc. is the third-party debt collection agency for ******* *** ********** *** ******** owes a debt of $212.37 to ******* *** ********** which Credit Bureau Systems, Inc. is currently reporting on his credit, as is our right as a data furnisher. The account has been coded as disputed but may remain until the account is satisfied. Supporting documentation showing *** ********* agreement with ******* *** ********* is attached here. 

• Initial Complaint

  Date:05/01/2023

  Type:Billing Issues
  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.

  Collection account from *** *** **** **** ******* ****************** and a balance of $1,306. The original creditor is ******* ****** ******** I never had a contract with this debt collector for any debt. This account doesn’t belong to me. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.

  

  Business Response

  Date: 06/06/2023

  Credit Bureau
  Systems, Inc. is the third party collection agency for ******* ******. We have confirmed with ******* ****** that
  this balance is accurate and owed by *** ******** we have obtained this
  confirmation each time *** ******* has submitted a direct dispute via e-Oscar.
  We also received an email on April 24th, 2023 from ConsumerDirect disputing *** ********* collection account ******** on his behalf. We responded with mail
  validation to *** *******'s address (verified in this complaint) on May 3rd,
  2023. As a courtesy, I have attached the corroborating materials again here.
  The account has been reporting as disputed on *** *******'s credit file since
  March 2023. It is the policy of Credit Bureau Systems, Inc. to remove all paid
  in full accounts from credit reporting within 45 days of full and final payment.

  Customer Answer

  Date: 06/07/2023

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: I have a right to privacy and CBS acquired my health information illegally without my consent. I will be hiring and lawyer to settle this issue. 
  
  
  
  Sincerely,
  
  
  
  ******** *******

• Initial Complaint

  Date:04/05/2023

  Type:Product Issues
  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.

  Ambulance service was provided in July, 2022. I paid AMB directly and filed with medicare. Medicare indicted AMB needed to file and I need to get reimbursed from AMB. AMB made partial reimbursement to me and has acknowledged they still owe me $822.36. I have contacted them on numerous occasions with no response other than they will review the case.

  

  Business Response

  Date: 06/08/2023

  We apologize but we are unable to find an account for *** ******* in our system. We request more information in the form of an account number or a copy of correspondence from our agency in order to conduct more investigation. 

• Initial Complaint

  Date:03/27/2023

  Type:Billing Issues
  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 recently started checking my reports and noticed a collection from this debt collector in the amount of $2,522. I have submitted disputes with the credit reporting agencies to have this false account removed from my credit. I have requested validation of the debt, and have not received any. I was a victim of identity theft back in 2016. I do have a police report and am willing to provide to the company when I receive the copy. (Can take 30 to 60 days for the police department to provide to me, as it was filed years ago and they have to pull it from records”. At this time, I am denying any liability to this account and am requesting this account to be removed from my credit report. I have received no written communication and no one has reached out on the phone or anything. So I don’t believe they have my information correct in their system. This account is fraudulent.

  

  Business Response

  Date: 05/03/2023

  Credit Bureau Systems, Inc. received several ACDV disputes from *** ******** regarding our collection account ********* Each time, the account was verified with our client, *********, as still due and owing, and Credit Bureau Systems, Inc. responded in kind. On April 18th, 2023, we received *** ********'s identity theft report. The account was coded to delete from *** ********'s credit report on April 19th, 2023. The account was subsequently closed back to our client on April 28th, 2023. Credit Bureau Systems, Inc. is no longer reporting the account to *** ********'s credit and is no longer servicing the account. 

• Initial Complaint

  Date:03/06/2023

  Type:Billing Issues
  Status:

  ResolvedMore 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 the debt with CREDIT BUREAU SYSTEMS and do NOT have a contract with **** ****** ******* ***** *** They did not provide me with the original application like I asked.

  

  Business Response

  Date: 05/02/2023

  Credit Bureau Systems, Inc. is no longer reporting any accounts for *** *******

  Customer Answer

  Date: 05/02/2023

   
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********* and find that this resolution is satisfactory to me.
  
  
  
  
  Sincerely,
  
  
  
  ****** ******

• Initial Complaint

  Date:11/18/2022

  Type:Service or Repair Issues
  Status:

  ResolvedMore 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.

  They call me every day on my cellphone, I've blocked them, then they call from other numbers. I was out for a training at work, and they called my work looking for me. They NEVER leave a message either. It's medical bills that are years old, I'm not sure what gives them the right to continually harass me and call my place of employment, but I feel like that is unnecessary and inappropriate. I have called them in past in order to resolve the debt by asking for a settlement amount and was told they don't do that, I told them I would call them back when I could afford to do so, but they keep calling. Calling my place of employment is where I draw the line. That is not okay.

  

  Business Response

  Date: 11/18/2022

  We apologize that *** ******** felt harassed by our attempts to collect; however, we are debt collection agency and once accounts are referred to collection, they are considered delinquent and are due in full. As per *** ********** inbound call on November 18th, we have noted her request to no longer receive phone calls, whether on her cell phone or at her place of employment, and will certainly respect that request.

  However, we must dispute *** ********** allegation that Credit Bureau Systems, Inc. has called her every day; our records show that prior to our last call to her on November 16th,our last call placed was on November 4th. Prior to that, the last call was placed on October 19th. We must also refute *** ********** allegation that she was told that no settlement offer is available - settlement options were discussed in *** ********** inbound call on September 2nd.

  Customer Answer

  Date: 11/18/2022

  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********* I would simply like them to cease contact. I have phone records where they have called from their number, as well as another number that is attached to Lexington Clinic. The manner in which the representative spoke to me was out of line. I spoke with a supervisor, who gave me information to make payments bi-weekly. I'd like the debt to be removed, considering it is older and I have no way to pay that. I acknowledge it is "my debt", but as previously mentioned, the way the representative acted was unprofessional and it is not her place to demand why I haven't paid it and speak to me as if I am incompetent. I have a cease and desist letter prepared if necessary.  
  
  
  
  Sincerely,
  
  
  
  ****** ********

• Initial Complaint

  Date:11/14/2022

  Type:Service or Repair Issues
  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 called to pay a debt and set up a payment. The lady I spoke with told me my biweekly payment was not enough. I told her that was the amount I could pay biweekly at this time. She told me that she knew what my job was and that I could pay more. I asked her what my job had to do with what I could pay. I told her she did not know what my bills are. She became very aggressive and defensive. Telling me everyone has bills. Then she hung up on me. This debt was acquired through medical bills.

  

  Business Response

  Date: 11/15/2022

  I have reviewed the call in question between Mr. ****** and the CBS representative on November 11th, 2022. CBS apologizes that Mr. ****** had a negative experience on the call. Our client refers delinquent balances to CBS with the expectation that the balances will be collected in a timely manner. Once referred to collections, balances are due in full; any payment plans extended by CBS are a courtesy to the consumer. While any payments submitted by Mr. ****** will be accepted any applied to the outstanding balance, the biweekly payment plan suggested by Mr. ****** does not constitute an agreed payment arrangement under our customary guidelines, considering the size of the balance owed. 

  We sincerely apologize for the manner in which the call was terminated. We will be addressing your concerns with our employee. 
  

   

• Initial Complaint

  Date:09/09/2022

  Type:Billing Issues
  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.

  They called to collect a Covid related medical debt despite the fact that I had been making good faith payments. The hospital collection system is horrendous, giving fake account access information and expecting clients to know to hunt for the other account.
  
  First call the agent pushed back when I questioned the collection and wanted to verify the bill. Refused to listen to me and argued about my desire to independently verify the bill as, to the best of my knowledge at the time, I had been making payments to the hospital. Second agent blatantly insisted they would violate the CARES act concerning reporting this collection. Third agent also refused to listen and refused to answer questions. Talked to an supervisor who endorsed the three previous bullies, evasive to questions, refused to listen to anything I said, twisting what I said, and refused to address a gross HIPAA violation, sending me all my hospital charges, not just the ones in collection. Every single contact with them was abusive. I do NOT reward bullies.

  

  Business Response

  Date: 09/16/2022

  *** ****** had four accounts referred to collections on 2/11/22,
  with a total balance of $5118.43. Credit Bureau Systems, Inc. has reviewed all
  calls related to this complaint.

  We apologize that *** ****** seems to have had
  a negative experience with our account representatives and for the confusion. We
  have no control over the billing practices of our clients. However, once the
  accounts were received in collections, validation notices were mailed on 2/15/22
  to *** ******’s address that he has verified here. No patient payments have
  been made on these four respective accounts since that date. As we attempted to
  explain to *** ****** on each phone call, payment arrangements made with our
  client are not reflected on accounts placed in collections; once a provider
  writes off accounts to bad debt, they no longer facilitate billing or
  arrangements on those accounts. We have attempted to alleviate the confusion
  with the multiple dates of service and account numbers by emailing the account
  information to *** ****** on 3/21/22. We then attempted to reach *** ****** by
  phone and letter multiple times between March and August, but were unable to
  reach him until 9/7/22. Between this time frame, one of the collection accounts
  received an adjustment of $3721.91, bringing *** ******’s total balance down to
  $1396.52.

  
  *** ****** has alleged a HIPAA violation, stating that he received
  information on accounts that were not in collections. We are unaware of this
  violation but we would be happy to review the paperwork that *** ******
  received if *** ****** would like to provide a copy.

  
  We refute *** ******’s allegation that our representative
  refused to allow him to verify the account information. She, in fact, suggested
  that *** ****** go home and check our information against his records and call
  back the following Monday, which he did do.

  
  With regards to the CARES Act, we have verified with our
  client that all four of these accounts are collectible.

  Customer Answer

  Date: 09/19/2022

  Better Business Bureau:
  
  
  
  As
  for validity of collections if there is a major issue with the original billing
  client, if they refuse to receive payment, sending to collections does not justify
  the collection.
  In regards to the CARES act, the agent repeatedly rejected the
  reporting regulations dictated by the CARES Act in regards to payments of COVID
  bills.

  
  On the third call regarding a totally different and unfamiliar
  dollar value, I presumed the amount was part of a recent mixup with the
  hospital billing. The agent again refused to listen to my concerns.

  
  I called back a few days later and spoke to a supervisor who again
  repeatedly refused to listen or answer simple, straight forward questions, so I
  hung up as I realized it was a waste of my time She also twisted my words and
  questions around, as with the response to you.

  
   I refuse to deal with abusive bullies. They
  had several opportunities to deal with this issue, but they repeatedly refused
  to listen to my concerns or answer simple questions, choosing instead to twist
  my questions around. I am ready to deal with this issue, but NOT if I have to
  continue dealing with abusive bullies..

   
  
  Regards,
  
  
  
  ******* ******

• Initial Complaint

  Date:08/18/2022

  Type:Billing Issues
  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.

  *** ****** ** ****** performed a biometric screening back in 2019 that was covered by my workplace insurance. Done this in the past and no issues. The year of 2019 the biometric screening was not coded correctly. Informed *** of this after a bill for $80 came in the mail. Months went by and still was not coded correctly. *** turned the bill over to Credit Bureau Systems Inc. After almost a year finally got *** resolved on the coding issue and my insurance paid the bill. *** informed me that they would remove from collections. Thought the matter was resolved. Today, 8-17-2022, found out that it was still showing up on 2 of 3 credit reports. Called the Credit Bureau Systems, Inc to try to resolve the issue. They said to contact *** and have them send a statement that bill was paid in full. contacted *** and the response was sent. Credit Bureau Systems, INC informed me that it would take 30-45 business days to **me off the 2 credit bureaus. ***** informed me that they would not remove until the first of the month (9-1-2022). I informed him that this was a mistake on *** and Credit Bureau Systems. I wanted it removed immediately. this took my credit score from 800 down to the 680 range. He said that I should have resolved this back in 2020. I thought that I had resolved this. *** and their collection agency should have settled this. He informed be that it was my problem, and I should have resolved this years ago and now that I needed my credit to be good was trying to resolve the issue. I have a credit card that apparently only monitor one of the credit bureaus monthly. I kept seeing my credit score in the 800 plus range. I thought all was good with my credit. If I had known sooner, I would have. Credit Bureau System, Inc said they only send out 2-3 notices and after that do not send anymore. Nothing from *** billing or Credit Bureau Systems in about 2 years.

  

  Business Response

  Date: 08/19/2022

  For Mr. **********'s convenience, we have submitted an expedited request for his paid in full account ******* (*** acccunt #************* to be removed from his credit report. We ask that Mr. ********** allow up to ten business days for this deletion to be reflected. Unfortunately, this is the quickest avenue available to us.