Collection Bureau of America on Your Credit Report? Fight Back and Win

It can feel impossible to get ahead on your finances when you’re living with seriously delinquent debts - but there are ways to find solutions and improve your credit score.

In this article, we’ll explain what Collection Bureau of America is, what they do and provide advice on how to get them removed from your credit report. We’ll also outline your rights under federal law so that you can identify when they’re being violated and respond accordingly.

With this information, you’ll be prepared to face your debt head-on and get out from under it once and for all.

What Does Collection Bureau of America Do?

Collectors like Collection Bureau of America - founded in California in 1959 - acquire and collect unpaid debts from consumers who are behind on payments on loans, credit cards, mortgages, etc. Accounting for the fees collected by the original creditor or paid for by purchasing the debt at a reduced rate, the collector attempts to recoup as much money from the consumer as possible.

Generally this involves phone calls, mail and other forms of communication with the consumer in an effort to gain payment for the debt in full or create a structured payment plan. If after many attempts to contact and negotiate with a consumer fails, debt collectors may file an action in court or take other legal recourse to recover the debt.

Is Collection Bureau of America a Legit Company?

Collection Bureau of America is a legitimate agency - they are legally licensed to collect on unpaid debts in the state of California. Information about the business can be found here:

• Phone Number: (510) 781-5100
• Address: 25954 Eden Landing Rd Hayward, CA 94545-3836
• Website: https://www.collectionbureauofamerica.com/
• BBB Rating: 1.5/5 

Collection Bureau of America has earned a reputation for unscrupulous debt collection practices. With multiple complaints filed against them and an abysmal 1.5-star rating on the Better Business Bureau, it is highly recommended that anyone contacted by Collection Bureau of America exercise caution and seek legal advice before engaging with them further.

Taking the time to familiarize yourself with your rights and consulting with an attorney can make all the difference when dealing with this company.

What Can I Do If I’m Being Harassed by Collection Bureau of America?

If you receive a call from Collection Bureau of America about an outstanding debt, it's normal to feel overwhelmed - but it's important to remember that under federal law, creditors are legally obligated to treat you fairly and with respect. You have the right to know the amount owed, the creditor's name, and details on how the debt was created.

Creditors are also not permitted to use abusive language or make threats in their attempts to collect payments. Here are some unfair behaviors to watch out for when CBA calls:

• Making false representations, including impersonating law enforcement, misrepresenting debt amounts, or falsely threatening legal action.
• Communicating with third parties about the debtor's debt without their consent, violating privacy rights.
• Contacting debtors at inconvenient times or places, including calling before 8 AM or after 9 PM, or at their workplace if prohibited.
• Failing to send a written notice to the debtor within five days of initial communication, which must include the amount of the debt and the creditor's name.
• Not validating the debt upon the debtor's request, making it difficult for the debtor to dispute incorrect or fraudulent charges.
• Continuing to collect on a debt after receiving a written request from the debtor to cease communication or verification that the debt is not owed.
• Filing a lawsuit or threatening to do so in a different jurisdiction than where the debtor lives, leading to the inconvenience of the debtor in defending themselves.

If you believe that Collection Bureau of America has violated your rights, you should sue. It can be daunting to file a lawsuit, but illegal behavior should not go unchallenged.

If you choose to sue, taking the initiative to document any offenses that take place can be helpful for building a successful case, along with seeking proper counsel from an attorney who specializes in consumer law. No one should tolerate their rights being violated and proper legal action will help get you the justice you deserve.

How Can I Get Collection Bureau of America Removed from My Credit Report?

Disputing a collections account on your credit report can be a crucial step to take in improving your credit score and financial health. When dealing with collections from Collection Bureau of America or any other collection agency, it's important to stay vigilant and make sure all information listed on your credit report is accurate. 

To effectively dispute a collections account on your credit report, consider the following steps:

• Obtain a copy of your credit report from all three credit reporting bureaus.

You are entitled to a free credit report from each bureau every 12 months through AnnualCreditReport.com, which is the only government-authorized source for your free annual reports.

• Carefully review your credit report for any errors, discrepancies, or fraudulent accounts

This includes checking the balance, the account opening date, and the reported status of the account. Make sure to gather any supporting documentation or evidence that substantiates your dispute.

• File a formal dispute with each of the credit bureaus that have the incorrect information on your report

You can do this online, over the phone, or through the mail. When you raise your dispute, provide all relevant details and include copies of your supporting documentation.

• Keep track of your dispute process through regular follow-ups with the credit bureaus until the issue is resolved

Credit bureaus are legally required to investigate and resolve disputes within 30 days, but it may take some additional time to see the results reflected on your credit report.

Once you successfully dispute and correct a collections account on your credit report, it's essential to continue monitoring your credit and take steps to improve your overall credit profile. If you’re struggling to successfully dispute a credit item, it may be best to work with an attorney who can provide additional guidance.

Contact Us For Your Free Case Review

At Fair Credit, our attorneys understand how challenging it can be to regain control of your finances and work towards financial stability. We strive to advocate for our clients and provide them with a tailored approach that fits their unique circumstances. 

With straight-forward solutions to help you get back on your feet sooner rather than later, we offer a free case review to identify the best strategy for managing your debt situation.

Don’t wait - connect with our team today.