Fresno Credit Bureau is a name used by Creditors Bureau USA (CBUSA), a Fresno, California collection agency. It collects healthcare and business accounts for clients in industries such as agriculture, auto, property management and fuel.
- Type
- Collection agency
- Also known as
- FRESNO CREDIT BUREAU; Creditors Bureau USA; CBUSA
- Headquarters
- Fresno, CA
- Collects
- medical bills, business-to-business accounts, property management balances, auto and equipment accounts
- Website
- creditorsbureau.com
37 debt collection complaints were sent to the Consumer Financial Protection Bureau about FRESNO CREDIT BUREAU 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 Fresno Credit Bureau?
The Better Business Bureau lists "Fresno Credit Bureau" as a d/b/a of Creditors Bureau USA, a collection agency at 757 L Street, Fresno, California 93721, with a mailing address at P.O. Box 942, Fresno, CA 93714. The BBB gives a business start date of 1935 and an incorporation date of 1953, and names Courtney Reynaud as president. It describes the company as helping retail and commercial clients recover unpaid balances, in markets that include healthcare, banking, construction and government.
Creditors Bureau USA's current website, creditorsbureau.com, uses the brand CBUSA. A separate domain, fresnocreditbureau.com, exists, but we could not read any content on it, so we have not relied on it. We did not find a phone number on the CBUSA site; the BBB lists (559) 485-7900 as the main number.
Why Fresno Credit Bureau May Be Contacting You
CBUSA's website highlights two areas. For healthcare, it says it provides "the next phase of AR recovery" for providers. For businesses, it has "a specialized collection and legal unit that services 'Business to Business' debt." Industries it lists include agriculture, heavy equipment, property management, fuel and oil, lawn and garden, and auto. In the Central Valley, that means a letter could concern a hospital or clinic bill, a balance with a landlord or property manager, or an account with a local dealer or supplier. It doesn't name individual clients.
How to Check a Debt Fresno Credit Bureau Says You Owe
- Find the validation notice. For a consumer debt, it must name the creditor, itemize the balance and tell you the dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing before that deadline if you have questions about the account. Ask for the underlying bill, lease or invoice.
- Rental balances: ask for the move-out inspection, the deposit accounting and an itemized list of charges.
- Medical bills: compare the bill with your insurance payments and ask the provider for an itemization. A licensed Texas facility must send one before pursuing collection (SB 490).
- Timing: Texas generally gives four years to sue on a consumer debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers can't sue on time-barred consumer debt (Tex. Fin. Code § 392.307). California and other states set their own periods.
What Fresno Credit Bureau Can and Can't Do
As an agency collecting for others, Creditors Bureau USA is a "debt collector" under 15 U.S.C. § 1692a(6) for consumer debts. Business debts are generally not covered by the FDCPA. On consumer accounts, it:
- May not falsely suggest that it is affiliated with the government or operates as a consumer reporting agency (15 U.S.C. § 1692e(1), (16)).
- May not misstate the amount of a rental or medical balance (15 U.S.C. § 1692e(2)).
- Must stop calling if you tell it in writing to cease communication (15 U.S.C. § 1692c(c)).
- May not call more than seven times in seven days about one debt (12 C.F.R. § 1006.14(b)(2)).
We did not find a CFPB enforcement action against Fresno Credit Bureau or Creditors Bureau USA.
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 Fresno Credit Bureau 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
- BBB business profile: Creditors Bureau USA, DBA Fresno Credit Bureau (business facts only)
- Creditors Bureau USA (CBUSA): home page
- CFPB enforcement actions (full list reviewed)
- CFPB Consumer Complaint Database: FRESNO CREDIT BUREAU, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Fresno Credit Bureau has violated any law. Company details change; tell us if something here is out of date.