Credit Bureau Systems is a Paducah, Kentucky healthcare revenue cycle management company whose collection division handles third-party debt collection. If it contacts you, it is most likely about a hospital, physician or ambulance bill.
- Type
- Collection agency
- Also known as
- Credit Bureau Systems, Inc.; Credit Bureau Systems, LLC; Credit Bureau Systems, Inc., Paducah, KY Branch; CBS
- Headquarters
- Paducah, KY
- Collects
- hospital and medical bills, ambulance bills
- Phone numbers it lists
- (800) 455-7726, (800) 455-7777
- Website
- credit-bureau.com
149 debt collection complaints were sent to the Consumer Financial Protection Bureau about Credit Bureau Systems, Inc., Paducah, KY Branch 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 Systems?
Despite its name, Credit Bureau Systems is not one of the national credit bureaus. It calls itself a healthcare revenue cycle management company and says it has provided services "for over 60 years." The Kentucky Secretary of State lists Credit Bureau Systems, LLC as an active Kentucky company with its principal office at 100 Fulton Court in Paducah. The CFPB complaint database lists it as "Credit Bureau Systems, Inc., Paducah, KY Branch."
The company runs several divisions, each with its own phone line: patient billing and pre-collection (ABS), ambulance billing and coding (AMB), third-party collections (CBS), insurance claim follow-up for hospitals (HIRS) and full revenue-cycle billing (MARS). It also sells credit reports, background checks and tenant screening to businesses.
Why Credit Bureau Systems May Be Contacting You
If you hear from the collection division, the account is most likely a medical balance a hospital, physician practice or ambulance service has referred for collection. You might also have received earlier statements from its billing divisions while the provider still owned the bill. Its collection services line is (800) 455-7726; its patient billing line is (800) 455-7777.
How to Check a Debt Credit Bureau Systems Says You Owe
Ambulance and hospital bills are frequently wrong or incomplete, so start with the billing record.
- Request the itemized bill. Ask for the date of service, the provider and each charge. Texas generally requires an itemized bill before many providers collect; see our S.B. 490 update.
- Check the insurance trail. For ambulance transports, find out whether your health plan or Medicare was billed and whether the claim was denied or never filed.
- Use the validation notice. It must name the provider, itemize the balance and give your dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). Dispute in writing before that date.
- Ask who owns the balance. Confirm whether the provider still owns it.
- Mind the clock. In Texas, suits on most consumer debts 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). Other states have different deadlines.
What Credit Bureau Systems Can and Can't Do
When it collects defaulted medical accounts for providers, Credit Bureau Systems is a "debt collector" under the FDCPA (15 U.S.C. § 1692a(6)). In practice:
- If you tell it that your employer does not allow personal calls at work, it must stop calling you there (15 U.S.C. § 1692c(a)(3)).
- The national credit bureaus have said they do not report paid medical collections or those under $500; see our update.
- It may not call more than seven times in seven days per debt without a presumption of a violation (12 C.F.R. § 1006.14(b)(2)).
- It may not discuss your medical account with your employer or relatives, apart from limited location contacts.
We did not find a CFPB enforcement action against Credit Bureau Systems. Our Texas FDCPA attorneys page explains how we review collection problems.
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 Systems 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
- Credit Bureau Systems: home page
- Credit Bureau Systems: contact us
- Kentucky Secretary of State: Credit Bureau Systems, LLC
- CFPB enforcement actions search
- CFPB Consumer Complaint Database: Credit Bureau Systems, Inc., Paducah, KY Branch, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Credit Bureau Systems has violated any law. Company details change; tell us if something here is out of date.