Credit Bureau Systems Debt Collection Harassment
Tired of Credit Bureau Systems Debt Collection Harassment? Wish there was a way to make the calls stop? Is Credit Bureau Systems constantly calling and harassing you? Does your phone ring every day, several times per day, because Credit Bureau Systems is calling you to demand payment? Threatening you with legal action? Has Credit Bureau Systems ever used abusive or profane language when speaking with you on the phone? If so, Credit Bureau Systems may be in violation of your legal rights. Stop the harassment.
The Fair Debt Collection Practices Act, also known as the FDCPA, protects consumers’ rights in the context of debt collection. In other words, debt collectors must adhere to a certain set of rules when they are pursuing consumers who owe money. If a collector violates the FDCPA, you can sue the collector in court. This lawsuit involves filing a legal claim against the debt collector for their violation of the law. The law allows consumers who have been victims of harassment from debt collectors to get the calls to stop in addition to recover statutory damages of up to $1,000, plus attorney’s fees and court costs.
Is Credit Bureau Systems a scam?
According to the Credit Bureau Systems has been in business since 1952. There have been 7 customer complaints filed. Read more here: Credit Bureau Systems Better Business Bureau website.
Who is Credit Bureau Systems?
Credit Bureau Systems is third party debt collector located in Paducah, Kentucky. They have been a party to over 200 federal cases based on their issuance of credit and collection of debts incurred on their credit cards. A recent Federal Court case alleges that Credit Bureau Systems used illegal and harassing communications in their debt collection practices to attempt to coerce a payment from the harassed consumer.
- 🏛️ Credit Bureau Systems Address: 100 Fulton Court Paducah, KY 42001
- 📞 Phone: (270) 744-9000
- 🖨️ Fax: (270) 744-9726
Credit Bureau Systems Debt Collection Harassment Tactics
If Credit Bureau Systems engages in any of the following tactics, you may have a case:
- ➡️ Calls before 8:00 a.m. or after 9:00 p.m. or at any time or that they are given notice that it is inconvenient to call
- ➡️ Talking to others about your debt
- ➡️ Call the consumer’s place, including their place of employment or residence, if they have been advised that calls cannot be accepted at that location.
- ➡️ Make automated or repeated calls to your cell phone without your prior express consent.
- ➡️ Use any profane language or any language that is harassing and abusive
- ➡️ Engage in any conduct, the natural consequence of which is to harass, abuse or oppress, and that can cause harm, including emotional or reputational damage.
- ➡️ Make any misrepresentations of fact, such as how much is owed, or certain actions they may take to force payment
- ➡️ Threaten arrest or criminal prosecution
- ➡️ Send false information to the credit bureaus
- ➡️ Cause a telephone to ring an unreasonable amount of times
Credit Bureau Systems Phone Numbers
Are you receiving any harassing phone calls from any of these numbers?
- 📱 270-744-900
- 📱 859-252-0011
- 📱 931-647-5614
If so, you may be a victim of Credit Bureau Systems debt collection harassment. The list above is not all the numbers that Credit Bureau Systems uses. Also, calls can be from different numbers and it still be Credit Bureau Systems calling you. Contact our office right away so we can start the process to stop Credit Bureau Systems from calling you illegally. Above all, no one should live with harassment.
Credit Report and Debt Collection
When dealing with a debt collection agency like Credit Bureau Systems, it’s important to understand how your credit report and credit reporting agencies play a role in the debt collection process. The Fair Credit Reporting Act (FCRA) is a federal law that regulates how credit bureaus and credit reporting agencies handle your personal information, ensuring that your credit reports are accurate and fair. Debt collectors, including Credit Bureau Systems, must follow both the FCRA and the Fair Debt Collection Practices Act (FDCPA) when collecting debts and reporting information to credit bureaus.
If you are contacted by a debt collector about a debt you may owe, you have the right to dispute the debt and request written verification. This is a crucial step in protecting your consumer rights and ensuring that only accurate information appears on your credit report. If you believe the debt is not yours, or if there are errors in the amount or details, you can send a written notice to Credit Bureau Systems requesting that they stop contacting you and provide proof of the debt. While this can stop further communication from the collection agency, it does not erase the debt itself, and the original creditor may still pursue legal action to collect what is owed.
Credit reporting agencies are required to provide you with a free copy of your credit report every year. It’s a good idea to review your credit reports regularly for any signs of identity theft, inaccurate information, or accounts you do not recognize. If you find errors, you have the right to dispute them directly with the credit bureau and the debt collection agency. Both the FCRA and FDCPA prohibit debt collectors from using obscene or profane language, making false statements, or engaging in unfair practices when collecting debts or reporting to credit bureaus.
If you feel that Credit Bureau Systems has violated your rights under the FDCPA or FCRA—such as reporting false information, using profane language, or harassing you with repeated phone calls—you can file a complaint with the Federal Trade Commission (FTC) or your state’s Attorney General. In some cases, you may be entitled to statutory damages, court costs, and attorney’s fees if you take legal action against the collection agency.
To stop Credit Bureau Systems from contacting you, you can request all communication be in writing or send a written notice to cease further communication. However, remember that this does not eliminate your responsibility for the debt, and the creditor may still seek payment through other means, including legal action. If you are considering negotiating a settlement amount or payment plan, make sure to get any settlement offer in writing and fully understand the terms before agreeing. Be cautious of any company or law firm that promises to settle your debts for a fee without clear terms.
Navigating debt collection practices and credit reporting can be complex, especially if you are facing debt collection harassment or unfair practices. If you are unsure about your rights or how to proceed, consult with a reputable law firm or consumer protection attorney. They can help you dispute debts, stop Credit Bureau Systems from contacting you, and protect your credit and consumer rights. By staying informed and proactive, you can take control of your financial situation and put an end to unwanted collection activities.
The following is a sample list of complaints filed against Credit Bureau Systems and can be found on Pacer.gov.
- 📋 1:18-cv-03091-WTL-MJD TAYLOR v.
- 📋 5:18-cv-00539-KKC Rainwater v.
- 📋 5:18-cv-00441-REW-MAS Cates v.
- 📋 3:18-cv-01252-SMY-SCW Keller v.
- 📋 3:18-cv-00097-RGJ-CHL Rivas v.
CONSUMER RIGHTS LAW FIRM PLLC
Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Contact a legal professional to stop Credit Bureau Systems debt collection harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
If you are interested in learning more about how to safeguard yourself and prevent even more Credit Bureau Systems debt collection harassment, call us at 877-700-5790 for immediate assistance or visit our website.
Success Stories
- 🏆 I was constantly being harassed by debt collectors, and it was affecting my peace of mind. I contacted Consumer Rights Law Firm PLLC, and they immediately stepped in to stop the calls. Their team was professional, responsive, and genuinely cared about my situation. Thanks to them, the harassment stopped, and I even received a settlement. I highly recommend their services to anyone dealing with unfair debt collection practices.
- 🏆 Dealing with aggressive collection calls became a daily nightmare until I found Consumer Rights Law Firm PLLC. They knew exactly how to handle the situation and guided me through my rights under the FDCPA. Their team filed a complaint on my behalf, and the collectors backed off completely. I’m so relieved and grateful for their expert help.
- 🏆 Consumer Rights Law Firm PLLC provided exceptional support when I was being wrongfully contacted about a debt I didn’t owe. They listened to my concerns and wasted no time in taking legal action. Their confidence and knowledge were impressive, and they resolved the issue faster than I expected. I finally have peace again, all thanks to them.
- 🏆 When I thought I had no way to fight back against the endless robocalls and rude debt collectors, Consumer Rights Law Firm PLLC gave me hope. Their attorneys were friendly, patient, and explained everything clearly. They took over communication with the collectors and got results. I’m thankful I found a legal team that actually fights for consumers like me.
FAQs
Who is Credit Bureau Systems and why are they calling me?
Credit Bureau Systems (CBS) is a legitimate debt-collection agency that contacts consumers about overdue accounts on behalf of various creditors.
Is Credit Bureau Systems a scam or a real debt collector?
CBS is a real debt collector operating since the mid-20th century, but you should always request written proof of the debt to be sure the claim is valid.
What constitutes harassment under debt collection laws?
Harassment can include repeated phone calls to annoy or abuse you, threats of violence or arrest, obscene language, calling before 8 a.m. or after 9 p.m., or contacting you at work after you’ve said not to. These actions violate the FDCPA.
How often can Credit Bureau Systems call me before it’s illegal?
If CBS places more than seven calls in seven days about the same debt, or calls again within seven days after a conversation, it’s presumed illegal under the FDCPA. They also must not call outside 8 a.m.–9 p.m.
Can they legally call me at work or contact my family?
They cannot discuss your debt with family or coworkers—only your spouse, attorney, or co-signer. They may contact third parties only to locate you, and cannot call you at work if you’ve said it’s not allowed.
What can I do to stop Credit Bureau Systems from calling me?
Document each call and send a written debt validation request. If calls continue, send a written cease-and-desist letter. If harassment persists, file a complaint with the CFPB, FTC, or your state attorney general.
Can I sue Credit Bureau Systems for harassment?
Yes. If they violate the FDCPA or TCPA—for example by robocalling without consent or threatening illegal consequences—you may be eligible to sue for damages including statutory and actual losses.
Can CBS report the debt to credit bureaus and damage my credit score?
Yes. CBS can report the debt to credit reporting agencies, which could lower your credit score. But you have the right to dispute any inaccurate or incomplete information.
Do they use robocalls or spoof phone numbers?
CBS has been associated with calls from spoofed or suspicious numbers. If they use autodialers or prerecorded messages without your prior consent to call your cell phone, that may be illegal under the TCPA.
What should I include in my complaint if CBS continues to harass me?
Include dates, times, numbers used, content of calls, any threats or abusive language, whether you asked them to stop, and copies of your validation or cease-and-desist letters.
