If Collection Bureau of America shows up on your credit report, it usually means you have an unpaid debt that’s been turned over for collections. Accounts like these can drag down your credit score and stay on your report for years if you don’t take action.
Who Is Collection Bureau of America?
Collection Bureau of America, Ltd. (CBA) is a debt collection agency based in Hayward, California. They collect on behalf of businesses and service providers across several industries.
You might see CBA on your credit report if a company you owe has handed your debt over to them for collection.
Who Does Collection Bureau of America Collect For?
CBA works with a wide range of businesses. Some of the most common industries they collect for include:
- Bottled water and beverage services
- Cable and telecommunications providers
- Medical and healthcare institutions
- Municipal services
- Utility companies
- Commercial businesses
If you’ve fallen behind on a bill from one of these industries, there’s a good chance CBA is trying to recover that balance.
Is Collection Bureau of America Legit?
Yes, Collection Bureau of America is a legitimate collection agency. They are licensed to collect debts on behalf of their clients. That being said, never assume a debt is valid without first verifying it. Mistakes happen, and collections can show up on your credit report even if the debt isn’t accurate.
How to Remove Collection Bureau of America From Your Credit Report
Collection accounts can hurt your credit score for up to seven years, so it’s important to address them quickly. You have a few ways to get these accounts removed:
- Dispute inaccurate information: Start by reviewing your credit report for errors. If anything about the debt is incorrect, file a dispute with the credit bureaus.
- Negotiate a pay-for-delete: In some cases, you can offer to pay part or all of the debt in exchange for having the account removed. Get the agreement in writing before sending any money.
- Work with a credit repair service: Professionals can help you challenge questionable accounts and work to clean up 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 Collection Bureau of America?
Always verify that a debt is legitimate before making payments or contacting the collection agency directly. Paying a collection account can reset the statute of limitations in some states, which might impact your rights.
If you’re unsure how to approach it, consider working with a credit repair professional. They help people remove millions of negative items every year, including collections from companies like CBA.
Will Collection Bureau of America Sue or Garnish Wages?
CBA has the legal right to sue over unpaid debts. If they win a judgment in court, they could garnish your wages or take money from your bank account, depending on the laws in your state.
That said, lawsuits are usually a last resort. Most agencies prefer to negotiate a payment plan or settlement first.
Collection Bureau of America Complaints
Like many collection agencies, CBA has complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB). The most common complaints involve:
- Inaccurate reporting
- Harassment or aggressive collection tactics
- Failure to validate the debt
If you experience any of these issues, consider filing a formal complaint with the appropriate agencies.
Your Rights When Dealing With Collection Bureau of America
The Fair Debt Collection Practices Act (FDCPA) protects you from abusive or deceptive collection practices. Under this law:
- They cannot report false or incomplete information about you.
- You can request debt validation, and they must provide proof the debt is yours within 30 days.
- They cannot harass, threaten, or repeatedly call you.
- They must clearly identify themselves as a collection agency.
- They cannot threaten arrest or imprisonment over unpaid debts.
Understanding your rights can help you handle the situation with confidence.
Collection Bureau of America Contact Information
Collection Bureau of America
25954 Eden Landing Road
Hayward, CA 94545
Phone: (888) 306-2045
Remove Collection Bureau of America From Your Credit Report Today
If you want help removing Collection Bureau of America from your credit report, Credit Saint may be a good option. They’ve helped clients tackle millions of negative items, including collection accounts.
They even offer a 90-day money-back guarantee for added peace of mind.
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.
