CBC LLC showing up on your credit report can feel frustrating—and confusing. Here’s what you need to know about who they are, how they got there, and what you can do to get them removed.
Who Is CBC LLC?
CBC LLC, also known as CBC Collections, is a debt collection agency based in Blountville, Tennessee. If you see them listed on your credit report, it usually means you have an unpaid bill that’s been sent to collections—often related to medical services.
Who Do They Collect For?
CBC LLC mainly works with hospitals and healthcare providers. They handle unpaid medical bills on behalf of healthcare systems, which could include anything from emergency room visits to outpatient services.
Is CBC LLC a Legitimate Company?
Yes, CBC LLC is a real debt collector. They’re licensed to collect debts on behalf of other companies. Still, always verify any account they claim you owe. Errors are common in collections reporting, and it’s worth double-checking.
How to Remove CBC LLC From Your Credit Report
A collection account can stick around for up to seven years, but you don’t always have to wait that long. Here are a few ways to get it removed sooner:
- Dispute any errors – If the balance, dates, or even your name are wrong, file a dispute with the credit bureaus.
- Ask for a pay-for-delete – Offer to pay the debt (in full or in part) if they agree to remove the account from your report.
- Hire a credit repair company – Professionals can help you challenge negative entries and improve your credit faster.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay CBC LLC?
Not so fast. Before picking up the phone or sending money, confirm that the debt is legitimate and still within the statute of limitations. Paying an old debt can sometimes reset the clock and hurt your score even more.
If you’re unsure how to proceed, working with a credit repair expert can help you avoid costly mistakes.
Can CBC LLC Sue You?
Debt collectors like CBC LLC can file a lawsuit if you ignore a valid debt. If they win, they might be able to garnish your wages or freeze your bank account—depending on state laws. That said, lawsuits are often a last resort. Most agencies would rather settle than go to court.
What If You’re Being Harassed?
CBC LLC has received complaints through the Better Business Bureau (BBB) and the Consumer Financial Protection Bureau (CFPB), mostly about inaccurate reporting or aggressive tactics.
If you’re getting repeated calls, threats, or pressure over a debt you don’t recognize, you have the right to push back.
Know Your Rights Under Federal Law
Debt collectors must follow rules under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). Here’s what that means for you:
- They can’t report false or incomplete info on your credit file.
- You can request debt validation. If they can’t prove the debt is yours, they must stop collecting.
- They’re not allowed to harass you with constant calls, threats, or abusive language.
- They have to clearly identify themselves as a collection agency—both in writing and over the phone.
- No collector can threaten jail time over unpaid debt.
Get CBC LLC Off Your Credit Report
Credit Saint can help challenge inaccurate collection accounts, including those from CBC LLC. They’ve been helping people fix their credit reports for over 15 years and know how to handle collectors like this.
They also offer a 90-day money-back guarantee if they don’t deliver—so you can get started with confidence.
Visit their website or call (855) 281-1510 to learn more.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
