Who is Collection Bureau, Inc.?
Collection Bureau, Inc. (CBI) is a debt collection agency based in Nampa, Idaho. It acts as a third-party collector, helping creditors recover unpaid debts.
If CBI is listed on your credit report as a collections account, this typically means that you owe a debt that has been transferred to them for collection. This could occur if you have an outstanding bill that hasn’t been paid.
Who does Collection Bureau, Inc. collect for?
Collection Bureau, Inc. serves a range of clients in different industries. These can include government entities, financial service providers, banks, credit unions, and businesses in the healthcare sector.
Is Collection Bureau, Inc. legit or a scam?
Collection Bureau, Inc. is a legitimate debt collection company. However, as with many debt collectors, they can be persistent in their collection efforts. This may include frequent phone calls, text messages, or emails to try to secure payment.
How can I remove Collection Bureau, Inc. from my credit report?
Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.
However, it is possible to remove a collection account from your credit history before seven years.
(While debt collectors may not want this information to be widely known, it’s your right to be informed.)
Ready to Raise Your Credit Score?
Some clients have raised their credit scores
by 100 points* or more.
Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.
In addition to collections, they can work with you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.
Get started on the path to better credit today: Fill out the form for a free credit consultation.
Collection Bureau, Inc. (CBI) Contact Information
Address:
Collection Bureau, Inc.
8925 Birch Ln E
Nampa, ID 83687
Phone number: (208) 463-4600
Should I contact or pay Collection Bureau, Inc.?
It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.
The most effective way to deal with Collection Bureau, Inc. is to work with a credit repair professional. They help remove millions of negative items every year from companies like Collection Bureau, Inc. on behalf of their clients.
Will Collection Bureau, Inc. sue me or garnish my wages?
Collection Bureau, Inc., like other debt collection agencies, is entitled to sue for unpaid debts. Depending on your state’s laws, if they go to court and win a judgment in their favor, they may be able to garnish your wages, levy your bank account, or place liens on your property. However, it’s important to note that legal action is usually seen as a last resort due to the cost and time involved.
In the case of wage garnishment, the creditor must first obtain a court order. Then, if granted, your employer would be required to withhold a certain portion of your wages to repay your debt. The amount that can be garnished is typically subject to federal and state laws.
Collection Bureau, Inc. Complaints
Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a collection agency is harassing you, you should consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Collection Bureau, Inc.
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:
- It is a violation of federal law for Collection Bureau, Inc. to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- Collection Bureau, Inc. may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Collection Bureau, Inc. must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
- Collection Bureau, Inc. cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Collection Bureau, Inc. From Your Credit Report Today!
Lexington Law can assist you in disputing Collection Bureau, Inc. accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.
If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
They have helped many people in your situation. Fill out the form on their website for a free credit consultation to see what they can do for you.
Ready to Repair Your Credit?
Some clients have raised their credit scores
by 100 points* or more.
