Credit Bureau Services Association, or CBSA, is a Stillwater, Oklahoma company that offers both collections and credit reporting. It collects for banking, medical, utility, college and university, and retail clients.
- Type
- Collection agency
- Also known as
- CBSA; CBSA Collections
- Headquarters
- Stillwater, OK
- Collects
- bank accounts, medical bills, utility bills, college and university balances, retail accounts
- Phone numbers it lists
- (800) 333-1693
- Website
- cbsasolutions.com
78 debt collection complaints were sent to the Consumer Financial Protection Bureau about Credit Bureau Services Association from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is Credit Bureau Services Association?
Credit Bureau Services Association, which uses the name CBSA, is a receivables and information services company in Stillwater, Oklahoma. Despite the "credit bureau" name, it is not one of the three national credit reporting companies. CBSA's website says it was founded in 1907; the Better Business Bureau lists a 1927 start date, a 1983 incorporation, and Larry Plank as president. CBSA runs a Credit Reporting Division and a collections operation, both using P.O. Box 1448, Stillwater, OK 74076, and says its collectors are certified Professional Collection Specialists through the American Collectors Association. We did not find a CFPB enforcement action against CBSA.
Why Credit Bureau Services Association May Be Contacting You
CBSA says it serves banking, medical, utility, college and university, and retail clients, and highlights collections for utilities, universities and medical providers. In practice, a letter from CBSA may concern an unpaid hospital or clinic bill, a utility account, a university balance or a local bank or store account. It offers payment plans and a consumer access portal on its website. Consumers can reach it at (800) 333-1693.
How to Check a Debt Credit Bureau Services Association Says You Owe
Because CBSA also runs a credit reporting business, pay attention to both the collection and what is being reported about you.
- Get the validation notice with the creditor's name and the itemized balance (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing within the validation period and ask for the underlying bill or statement. CBSA must stop collecting until it verifies the debt.
- For a university balance, ask for the student account ledger and check whether financial aid or a withdrawal refund was applied.
- Pull your credit reports from Equifax, Experian and TransUnion, and dispute any CBSA entry that is inaccurate with both the bureau and CBSA.
- Know the deadline. In Texas, most suits on a debt must be filed within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Oklahoma and other states have their own limits.
What Credit Bureau Services Association Can and Can't Do
When CBSA collects consumer debts for its clients, it is a "debt collector" under 15 U.S.C. § 1692a(6).
- It must identify itself as a debt collector in its communications with you (15 U.S.C. § 1692e(11)).
- It must report a disputed debt as disputed (15 U.S.C. § 1692e(8)); see how long a collection can stay on your report.
- It may not report a debt before it has communicated with you about it (12 C.F.R. § 1006.30(a)).
- It may not call before 8 a.m. or after 9 p.m. your time without your agreement (15 U.S.C. § 1692c(a)(1)).
If CBSA's collection seemed improper, see our Texas FDCPA attorneys page.
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Credit Bureau Services Association (CBSA) or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- CBSA: home page
- CBSA: Contact
- BBB business profile: Credit Bureau Services Association
- CFPB enforcement actions search: Credit Bureau Services
- CFPB Consumer Complaint Database: Credit Bureau Services Association, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Credit Bureau Services Association (CBSA) has violated any law. Company details change; tell us if something here is out of date.