If USCB America is showing up on your credit report, it likely means you have an unpaid debt that has gone to collections. Here’s what you need to know—and how to deal with them.
Who Is USCB America?
USCB America, also known as USCB, Inc., is a debt collection agency and accounts receivable management company based in Los Angeles, California. They work with businesses to collect unpaid debts from consumers.
If they appear on your credit report, it means they are trying to collect money that was originally owed to another company.
Who Does USCB America Collect For?
USCB America works with several types of businesses, including:
- Hospitals and healthcare providers – Collecting unpaid medical bills
- Retail companies – Recovering debts for unpaid purchases or services
- Banks and financial institutions – Collecting on loans, credit cards, and other financial accounts
- Government agencies – Collecting unpaid taxes, fines, or utility bills
Most commonly, they handle medical debt, but they also collect on other accounts.
Is USCB America Legitimate?
Yes, USCB America is a legitimate debt collection agency. But even legitimate companies can make mistakes, such as:
- Trying to collect on paid or settled accounts
- Reporting incorrect details to the credit bureaus
- Contacting the wrong person
Always verify any debt before making payments or arrangements.
How to Remove USCB America From Your Credit Report
Collection accounts can stay on your credit report for up to seven years, but there are ways to get them removed sooner:
- Dispute errors – If the information is incorrect, file a dispute with the credit bureaus.
- Request debt validation – Send USCB America a debt validation letter. They must prove the debt belongs to you and the amount is accurate.
- Negotiate a pay-for-delete – Some collectors will agree to remove the account if you pay. Always get the agreement in writing before sending money.
- Work with a credit repair service – Professionals can help challenge negative items and work to clean up your credit report.
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 USCB America?
Before paying anything, confirm that the debt is valid and correctly reported. Credit reports often contain errors, and paying a debt without verifying the details can sometimes reset the statute of limitations, depending on your state.
Many people work with experienced credit repair professionals to handle situations like this and avoid harming their credit further.
Can USCB America Sue You or Garnish Your Wages?
Yes, USCB America can sue for unpaid debts. If they win in court, they might be able to:
- Garnish your wages
- Freeze your bank account
- Place a lien on your property
However, lawsuits are usually a last resort. Most debt collectors prefer to arrange a settlement or payment plan rather than deal with the legal process.
USCB America Contact Information
Address:
USCB America
355 S. Grand Ave., 32nd Floor
Los Angeles, CA 90071
Mailing Address:
USCB America
P.O. Box 74929
Los Angeles, CA 90004-9990
Phone:
(213) 387-6181
If you contact them, keep detailed records of all communication, and do not admit to owing the debt until it has been properly verified.
Complaints About USCB America
USCB America has received complaints with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). The most common issues include:
- Inaccurate credit reporting
- Harassing phone calls
- Refusing to verify debts
If you experience these problems, you can file a complaint with the CFPB or BBB.
Your Rights When Dealing With USCB America
Debt collectors must follow the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). These laws protect you from unfair treatment. Your rights include:
- Disputing false or incomplete information
- Requesting written proof that the debt belongs to you
- Protection from harassment, threats, or abusive language
- Clear identification that they are a debt collection agency
- Protection from false threats of arrest or legal action they cannot take
Knowing your rights can help you handle the situation with confidence.
Get Help Removing USCB America From Your Credit Report
Dealing with collection accounts like USCB America can be frustrating, but you don’t have to face it alone. Credit Saint has over 15 years of experience helping people challenge inaccurate items on their credit reports—including accounts from USCB America.
They even offer a 90-day money-back guarantee, so there’s no risk in seeing how they can help.
To get started, visit their website or call (855) 281-1510 for a free consultation.
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.
