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 Better Business Bureau website, Credit Bureau Systems has been in business since 1952. There have been 7 customer complaints filed.
Credit Bureau Systems
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.
Address: 100 Fulton Court Paducah, KY 42001 Phone: (270) 744-9000 Fax: (270) 744-9726
Credit Bureau Systems is often referred to or searched for by other names. These include:
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Credit Bureau Systems may initiate contacts with consumers regarding various types of debts, including medical bills. Consumers should carefully review any documents they receive from Credit Bureau Systems to ensure they are accurate and not misleading.
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 a 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.
Common Questions:
Is Credit Bureau Systems a scam? No, Credit Bureau Systems has been in business since 1952.
Can Credit Bureau Systems seize my property? Credit Bureau Systems can’t seize your property, but there are some exceptions. For example, if a creditor intends to recover property tied to the debt, such as a car loan, they may initiate legal action to repossess it. Or, if the collector has sued and obtained a judgment against you, the debt collector may be able to take certain property as permitted by the court. Such action must comply with both federal and state law.
Can Credit Bureau Systems sue me? Yes, Credit Bureau Systems can sue you so long as the debt is within the statute of limitations. However, such action must comply with both federal and state law, and consumers have the right to dispute the debt. If a debt is disputed in writing, collection activities must stop until the debt is verified. It is important to keep a record of all written communication with debt collectors, as written communication is the best way to ensure clarity and protect your rights.
Can Credit Bureau Systems report my debt to the collections bureaus? Yes, debt collectors and creditors are allowed to place the collection account on your credit report. However, creditors and debt collectors must follow legal requirements when reporting payments and disputes. If you dispute a debt, make sure to do so in writing to create a record. Accurate records of payments and disputes are important for protecting your credit.
Can Credit Bureau Systems arrest me? Debt collectors don’t have the authority to have you arrested for a debt. However, if you violate a court order, e.g. an order to appear in court, the judge can issue a warrant for your arrest. Depending on the laws in your state, you may be arrested for certain debts like unpaid child support or traffic tickets. State laws may vary regarding which debts can result in such actions.
Are all debts covered under the FDCPA? The Fair Debt Collection Practices Act (FDCPA) generally covers debts incurred for household purposes, such as personal, family, or household expenses. Business debts are not covered under the FDCPA.
How do I dispute a debt with Credit Bureau Systems? You have the right to dispute a debt in writing. If you dispute a debt, collection activities must stop until the debt collector verifies the debt and provides relevant documentation. All disputes should be made in writing to create a record. Keep copies of all written communication and records of your correspondence. Written communication is the best way to ensure clarity and protect your rights.
What should I do if I have already paid the debt? If you have paid the debt, provide proof of payment to the debt collector. Keeping records of your payments is important in case the debt is disputed or reported incorrectly.
Who enforces debt collection laws? Debt collection laws are enforced by government agencies such as the Federal Trade Commission (FTC) and other federal and state agencies. These agencies ensure that creditors and debt collectors comply with the law.
The following is a sample list of complaints filed against Credit Bureau Systems and can be found on Pacer.org.
1:18-cv-03091-WTL-MJD TAYLOR v. CREDIT BUREAU SYSTEMS, INC.
5:18-cv-00539-KKC Rainwater v. Credit Bureau Systems, Inc. et al
5:18-cv-00441-REW-MAS Cates v. Credit Bureau Systems, Inc. et al
3:18-cv-01252-SMY-SCW Keller v. Credit Bureau Systems, Inc.
3:18-cv-00097-RGJ-CHL Rivas v. Credit Bureau Systems, Inc. et al
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.
Consumer Rights Law Firm, PLLC 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 for immediate assistance or visit our website at www.consumerlawfirmcenter.com.
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“I would highly recommend the Consumer Rights Law Firm to anybody that has been harassed! They were very professional and straightforward about my rights”.
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