Tulsa Adjustment Bureau on Your Credit Report: What to Know

Tulsa Adjustment Bureau, Inc. has collected medical debts from their Tulsa, Oklahoma office since 1963, also operating as TAB Services. They collect exclusively for healthcare providers and maintain a litigation division.

An Oklahoma Supreme Court case found TAB’s FDCPA counterclaim issue required further proceedings, and documented complaints show TAB transferring accounts to collections before the patient statement due date and refusing to identify the original hospital when consumers called to investigate discrepancies. This guide covers who they are and how to respond.

Who Is Tulsa Adjustment Bureau?

Tulsa Adjustment Bureau, Inc. is a healthcare-only debt collection agency not accredited by the BBB, with 23 complaints recorded in a three-year period. The CFPB has closed 9 complaints since April 2016. Seven Justia civil cases name TAB. Staff receive FDCPA and HIPAA training and the company maintains a litigation division for accounts that proceed to court.

Oklahoma has no state-specific debt collection law. The federal FDCPA governs all TAB collection activity, and Oklahoma has a 4-year statute of limitations on written contracts.

The 2018 Oklahoma Supreme Court Case

In Tulsa Adjustment Bureau v. Calnan (2018 OK 60), TAB sued a consumer over a 2012 medical debt that was not assigned to TAB until three and a half years after the original treatment. The consumer paid in full after being served.

The Oklahoma Supreme Court reversed the trial court’s award of attorney fees to TAB and remanded the case for further proceedings on the consumer’s FDCPA counterclaim, finding that factual issues existed that precluded summary judgment.

The case is significant for two reasons. First, TAB held the debt for an extended period before filing suit. Second, the Oklahoma Supreme Court found the consumer’s FDCPA counterclaim had enough factual support to survive, meaning the court did not dismiss it outright.

Transferred Before the Due Date

A documented 2025 BBB complaint describes a consumer who underwent surgery in late 2024 and received a patient statement dated June 3, 2025 with a July 3 due date. The account was transferred to TAB on June 6, just three days after the statement date and nearly four weeks before the payment was due. TAB began calling weekly about a balance the consumer had not yet had an opportunity to pay through normal channels.

TAB’s own BBB response confirmed the June 6 transfer date. If TAB is collecting on a balance that appears on a recent statement with a future due date, document the statement date and the due date alongside the transfer date.

Refusing to Identify the Original Hospital

A documented August 2017 BBB complaint describes a consumer who discovered a $155 discrepancy in an item TAB reported to credit bureaus. When the consumer called TAB to learn which hospital the charge originated from, the TAB representative refused to provide any information, stating she had sent two letters and would not send a third.

FDCPA Section 1692g requires TAB to provide the name of the original creditor upon written request. Refusing to identify the original hospital over the phone is consistent with this requirement, but the consumer’s right to submit a written request and receive written verification is absolute.

Cross-Account Data Issues

A documented BBB complaint describes a consumer whose husband’s account was accessible through the consumer’s own TAB online portal login. Searching the husband’s information pulled up the wife’s account instead. This data handling issue is worth noting: if you access TAB’s online portal, confirm that the account information displayed corresponds to your own records.

Medical Debt Reporting Rules Apply

TAB collects exclusively for healthcare providers. Medical debts under $500 cannot appear on any consumer credit report. Any medical debt must wait one full year past the date of first delinquency before being reported.

A balance transferred to TAB three days after a patient statement was generated, as documented in the 2025 BBB complaint, almost certainly would not meet the one-year waiting period requirement at the time of transfer.

What TAB Cannot Do Under Federal Law

• Transfer an account before the patient statement due date: A documented 2025 BBB complaint. A debt transferred before it is due raises questions about whether the one-year medical debt reporting threshold has been met.
• Refuse to provide the original creditor’s name in writing: A documented 2017 BBB complaint pattern. FDCPA Section 1692g requires written verification including the original creditor upon request.
• Use false or misleading language: A documented FDCPA complaint category against TAB.
• Report medical debts under $500 or less than one year past due: Current CFPB rules prohibit both outright.

Verify the Debt Before Paying Anything

Send a written validation request by certified mail within 30 days of first contact. Request the original healthcare provider’s name, the date of service, an itemized bill, and your insurer’s explanation of benefits. For any account transferred recently, confirm both the date of first delinquency and the transfer date to verify the one-year medical debt reporting window has been satisfied.

How to Find TAB on Your Credit Report

Check your credit reports for “Tulsa Adjustment Bureau” and “TAB Services.” Confirm the original provider is identified. If the entry is for a recent medical account, verify the date of first delinquency against the one-year reporting threshold before accepting the entry as properly reported.

Your Options Before Paying or Responding

• Document the statement date and due date for any recently transferred account: The 2025 complaint shows TAB collecting before the patient due date. A statement showing a future due date supports a dispute.
• Submit a written request for the original creditor name: The 2017 complaint shows TAB refusing to identify the hospital verbally. Your written request under FDCPA Section 1692g is enforceable in a way a phone call is not.
• Dispute medical entries under $500 or less than one year old immediately: CFPB rules make both disputable without waiting for TAB to respond.
• File with the Oklahoma AG if TAB fails to respond: The Oklahoma Attorney General’s Consumer Protection Unit accepts debt collection complaints at (405) 521-2029.

How to Contact Tulsa Adjustment Bureau

• Address: Tulsa Adjustment Bureau, Inc., 2448 E 81st Street, Suite 4700, Tulsa, OK 74137
• Phone: (918) 749-1481 or (800) 775-1481

Bottom Line

Tulsa Adjustment Bureau has operated since 1963 and maintains a litigation division. Their documented issues include transferring accounts before patient due dates, refusing to identify the original hospital when consumers call about discrepancies, and an Oklahoma Supreme Court case where a consumer’s FDCPA counterclaim survived summary judgment.

Before paying or responding to TAB, confirm the transfer date against the original statement due date and submit a written validation request asking specifically for the original provider’s name.