Business Revenue Systems, Inc: What to Do If They Contact You

Business Revenue Systems, Inc. (BRSI) is a small Indiana healthcare debt collector founded in 1979. With 7 CFPB complaints since 2015 and 4 BBB complaints in the past three years, BRSI has one of the lowest complaint volumes of any agency in this series.

Their own website is a single page with a phone number and three client testimonials, no consumer information, no payment portal, and no links to consumer protection resources. If BRSI appears on your credit report, the first challenge is simply identifying who they are and verifying the original creditor.

This guide covers who BRSI is, their documented patterns, and how to respond.

Who Is Business Revenue Systems?

Business Revenue Systems, Inc. (BRSI) is a third-party healthcare debt collection agency incorporated in 1982 and headquartered in Fort Wayne, Indiana, with a secondary location in Burlington, Iowa. The company is not BBB-accredited and operates as a small agency with estimated annual revenue of approximately $30,000.

BRSI collects for hospitals, radiology facilities, and medical practices in Indiana and surrounding states.

Reporting Without Prior Notice

A documented complaint describes a consumer who discovered a BRSI collection entry on their credit report without having received any prior contact from BRSI. When the consumer called BRSI and provided their name, social security number, and date of birth, the representative was unable to locate their record.

BRSI subsequently confirmed they found the account and would forward an itemized breakdown to the consumer’s address. The consumer noted the entry had already hurt their credit score before they ever knew BRSI was involved.

Under Regulation F, debt collectors must provide a validation notice before or promptly after reporting to credit bureaus. If BRSI appeared on your credit report without any prior written communication, cite Regulation F in your CFPB complaint and credit bureau disputes.

Collecting on Radiology Bills From Facilities Consumers Never Visited

A documented forum discussion describes a consumer who received a BRSI collection notice for a radiology facility they had never visited. When researching the facility online, the consumer found multiple one-star reviews from other patients reporting identical experiences: being sent to collections for a facility they had never been to.

The consumer sent a certified letter to BRSI stating they had never been to the facility and believed the notice was erroneous. This pattern suggests the radiology facility’s billing system may be generating accounts for the wrong patients, with those erroneous accounts then being referred to BRSI.

If BRSI is collecting for a medical provider you have never visited, send a written dispute by certified mail stating you have no record of services at that facility on the referenced date. Pull your insurance explanation of benefits to confirm no claim was submitted for that provider on that date.

The Minimal Website as a Practical Problem

BRSI’s own website contains only a phone number and three client testimonials. There is no consumer payment portal, no information about how to dispute a debt, no validation request process, and no links to consumer protection laws or agencies.

This creates a practical problem for consumers trying to respond appropriately. Send all communications by certified mail with return receipt rather than relying on phone or any web-based process. A certified mail record establishes your validation request timeline for any subsequent CFPB complaint.

What BRSI Cannot Do Under Federal Law

The FDCPA applies to Business Revenue Systems. Under federal law, they cannot:

• Report to credit bureaus without prior validation notice to the consumer: A documented complaint where the consumer had no prior contact before the credit report entry appeared.
• Continue collecting on debts consumers say they do not owe without providing verification: A documented pattern of collecting on radiology accounts consumers deny.
• Fail to locate a consumer’s account when called for verification: A documented complaint where BRSI could not find the account by name, SSN, and date of birth.
• Call outside permitted hours: Contact is only allowed between 8 a.m. and 9 p.m. in your time zone.

File complaints at consumerfinance.gov. Indiana residents can also file with the Indiana Attorney General’s Consumer Protection Division.

Medical Debt Reporting Rules Apply

Because BRSI collects exclusively for healthcare providers, specific credit reporting protections apply. Medical debts under $500 are not reported, paid medical collections are removed, and unpaid medical debt has a one-year waiting period before reporting.

If your account falls under any of these categories, dispute it immediately with each credit bureau.

Verify Before Paying Anything

Send a written debt validation request by certified mail within 30 days of first contact. Ask for the original healthcare provider’s name and contact information, the date of service, an itemized bill, and confirmation that all applicable insurance was billed.

Then contact the original healthcare provider directly to confirm they referred the account to BRSI and that the balance matches their own records. Given the documented radiology billing error pattern, independent verification with the named provider is the most important step.

How to Check Your Credit Report for BRSI Errors

Pull your credit reports from all three bureaus at AnnualCreditReport.com. Is the original healthcare provider identified? Is the date of service one you recognize? Does the balance match your insurance explanation of benefits?

Any inaccuracy, including a provider you have never visited, is grounds for a dispute with each credit bureau.

How Long Can BRSI Legally Pursue the Debt?

Indiana has a 6-year statute of limitations on most consumer debts. The relevant state is typically where you currently reside.

Your Options for Resolving a BRSI Account

Once you have verified the debt:

• Verify with the original healthcare provider directly: Given the documented billing error pattern, the provider’s records are the most reliable starting point.
• Send all communications by certified mail: BRSI’s minimal online presence makes certified mail the only reliable documentation channel.
• Dispute if inaccurate: If the provider is one you have never visited or the balance does not match your insurance records, dispute with all three credit bureaus.
• File a CFPB complaint if reporting preceded any notice: Regulation F requires prior validation notice before credit bureau reporting.

How to Contact Business Revenue Systems

Send all communication by certified mail:

• Address: Business Revenue Systems, Inc., 2419 Spy Run Ave, Suite A, Fort Wayne, IN 46805
• Phone: (800) 947-3030

Bottom Line

Business Revenue Systems is a small Indiana healthcare collector with one of the lowest complaint volumes in this series. Their two most documented issues are reporting accounts to credit bureaus before notifying consumers and collecting on medical accounts from providers the consumer has never visited.

Verify with the original healthcare provider before engaging BRSI. Send all communications by certified mail. If BRSI appeared on your credit report without prior written notice, file a Regulation F complaint with the CFPB immediately.