If Creditors Bureau USA is showing up on your credit report, it means an unpaid debt may have been sent to collections. But that doesn’t mean the account has to stay there for years. There are steps you can take to dispute or remove it and protect your credit.
Who Is Creditors Bureau USA?
Creditors Bureau USA, also known as Fresno Credit Bureau, is a licensed debt collection agency based in Fresno, California. They work with businesses to recover overdue debts.
If you see them listed on your credit report under names like “Creditors Bureau USA” or “Fresno Credit Bureau,” it means they’re trying to collect on a debt, and the account has been reported to the credit bureaus.
What Types of Debt Does Creditors Bureau USA Collect?
They collect debts across several industries, including:
- Healthcare providers
- Laboratories
- Utility companies
- Agricultural businesses
- Commercial accounts
If you have outstanding bills in any of these areas, Creditors Bureau USA could be the agency handling collections.
Is Creditors Bureau USA a Scam?
No, they are a real debt collection company. But even though they’re legitimate, that doesn’t mean every account they report is accurate. Always verify the debt before making any payments or agreements.
How to Remove Creditors Bureau USA From Your Credit Report
Collection accounts can hurt your credit score and stay on your report for up to seven years. Here are your options to address it:
- Dispute errors: Review your credit report for inaccuracies. If you find incorrect details about the account, file a dispute with the credit bureaus.
- Request debt validation: You have the right to demand proof that the debt belongs to you and that the amount is correct. If they can’t verify it, the account may be removed.
- Negotiate a pay-for-delete: Some collection agencies will agree to remove the account if you settle the debt. Always get any agreement in writing first.
- Work with a credit repair company: Professionals can help challenge collection accounts and assist with improving your credit report.
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Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Should You Contact or Pay Creditors Bureau USA?
Before paying, confirm that the debt is valid and accurately reported. Credit reports sometimes contain outdated, duplicate, or incorrect information. Also, making a payment can restart the statute of limitations in some states, which may impact your legal rights.
If you’re unsure how to handle the situation, working with a credit repair service can help you avoid costly mistakes.
Can Creditors Bureau USA Sue You or Garnish Wages?
Yes, they can take legal action to recover unpaid debts. If they sue and win a judgment, they may garnish your wages or levy your bank account, depending on your state’s laws.
That said, lawsuits are typically a last resort. Most debt collectors prefer to set up payment plans or negotiate a settlement before going to court.
Creditors Bureau USA Contact Information
Here’s how to reach them:
Address:
Creditors Bureau USA
757 L St.
Fresno, CA 93721
Phone:
(877) 485-7940
Creditors Bureau USA Complaints
Like many collection agencies, they have received complaints through the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common issues include:
- Incorrect or inaccurate reporting
- Failure to verify debts
- Harassing or repeated phone calls
If you experience these problems, you have rights under federal law.
Your Rights When Dealing With Creditors Bureau USA
Debt collectors must follow the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA), which protect you from:
- Inaccurate or incomplete credit reporting
- Harassment, threats, or abusive language
- Collection attempts without proper debt validation
- Misleading or deceptive communication
You also have the right to demand proof that the debt belongs to you and the correct amount owed.
Get Help Removing Creditors Bureau USA From Your Credit Report
If managing collections on your own feels overwhelming, you don’t have to handle it alone. Credit Saint has helped clients challenge millions of negative items, including accounts from Creditors Bureau USA.
They even offer a 90-day money-back guarantee for added peace of mind.
If you’re ready to take control of your credit, visit their website or call (855) 281-1510 to get started.

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.