Data / Consumer complaints / Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates
Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates: 366 CFPB consumer complaints in the last 3 years
Updated November 7, 2026. Source: CFPB Consumer Complaint Database.
Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates drew 366 consumer complaints in the CFPB database in the three years to November 6, 2026, and 366 since 2023. The largest group, 198, was about debt collection, and the most common issue was “Incorrect information on your report” with 75. The company responded on time to 2.7% of the complaints, and 0.0% closed with monetary or other relief.
The request: Watch Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates: each new CFPB complaint by product and issue, with the date and the company response. $10 of work on sign-up, no card.
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- 366Complaints, last 3 years
- 366Complaints, all years
- 2.7%Responded on time
- 0.0%Closed with relief
- 5Products
- Oct 20, 2026Latest received
Complaints by year
Every year the CFPB database holds for this company, by the date received.
| Year | Complaints |
|---|---|
| 2026, to Nov 6 | 173 |
| 2025 | 145 |
| 2024 | 47 |
| 2023 | 1 |
Products
Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.
| Product | Complaints | Share |
|---|---|---|
| Debt collection | 198 | 54.1% |
| Credit reporting or other personal consumer reports | 160 | 43.7% |
| Debt or credit management | 4 | 1.1% |
| Credit card | 3 | 0.8% |
| Money transfer, virtual currency, or money service | 1 | 0.3% |
Issues
| Issue | Complaints | Share |
|---|---|---|
| Incorrect information on your report | 75 | 20.5% |
| Attempts to collect debt not owed | 70 | 19.1% |
| Took or threatened to take negative or legal action | 69 | 18.9% |
| Improper use of your report | 44 | 12% |
| Problem with a company's investigation into an existing problem | 29 | 7.9% |
| Written notification about debt | 27 | 7.4% |
| False statements or representation | 24 | 6.6% |
| Credit monitoring or identity theft protection services | 6 | 1.6% |
| Electronic communications | 5 | 1.4% |
| Communication tactics | 3 | 0.8% |
| Confusing or missing disclosures | 3 | 0.8% |
| Identity theft protection or other monitoring services | 3 | 0.8% |
| Problem when making payments | 2 | 0.5% |
| Unable to get your credit report or credit score | 2 | 0.5% |
| Charged upfront or unexpected fees | 1 | 0.3% |
| Fees or interest | 1 | 0.3% |
| Fraud or scam | 1 | 0.3% |
| Problem with fraud alerts or security freezes | 1 | 0.3% |
How the company responded
| Company response | Complaints | Share |
|---|---|---|
| Untimely response | 353 | 96.4% |
| Closed with explanation | 13 | 3.6% |
States
| State | Complaints | Share |
|---|---|---|
| Georgia | 137 | 37.4% |
| Texas | 36 | 9.8% |
| Florida | 34 | 9.3% |
| North Carolina | 23 | 6.3% |
| California | 13 | 3.6% |
| Ohio | 13 | 3.6% |
| New York | 10 | 2.7% |
| Pennsylvania | 8 | 2.2% |
| Arizona | 7 | 1.9% |
| Illinois | 7 | 1.9% |
| Tennessee | 7 | 1.9% |
| Maryland | 6 | 1.6% |
| New Jersey | 6 | 1.6% |
| South Carolina | 6 | 1.6% |
| Indiana | 5 | 1.4% |
| Louisiana | 5 | 1.4% |
| Michigan | 5 | 1.4% |
| Alabama | 4 | 1.1% |
| Nevada | 4 | 1.1% |
| Virginia | 4 | 1.1% |
| Massachusetts | 3 | 0.8% |
| Missouri | 3 | 0.8% |
| Arkansas | 2 | 0.5% |
| Colorado | 2 | 0.5% |
| Maine | 2 | 0.5% |
Latest 50 complaints
Newest first. Each row links to the complaint's record in the CFPB database.
| Received | Product | Issue | Company response | Source |
|---|---|---|---|---|
| October 20, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Untimely response | consumerfinance.gov |
| October 20, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Untimely response | consumerfinance.gov |
| October 20, 2026 | Credit reporting or other personal consumer reports | Problem with fraud alerts or security freezes | Untimely response | consumerfinance.gov |
| October 16, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Untimely response | consumerfinance.gov |
| October 14, 2026 | Debt collection | Communication tactics | Untimely response | consumerfinance.gov |
| October 13, 2026 | Debt collection | Written notification about debt | Untimely response | consumerfinance.gov |
| October 13, 2026 | Credit reporting or other personal consumer reports | Improper use of your report | Untimely response | consumerfinance.gov |
| October 12, 2026 | Debt collection | Written notification about debt | Untimely response | consumerfinance.gov |
| October 9, 2026 | Debt collection | Attempts to collect debt not owed | Untimely response | consumerfinance.gov |
| October 4, 2026 | Debt collection | Written notification about debt | Untimely response | consumerfinance.gov |
| September 30, 2026 | Debt collection | Attempts to collect debt not owed | Untimely response | consumerfinance.gov |
| September 29, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Untimely response | consumerfinance.gov |
| September 26, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Untimely response | consumerfinance.gov |
| September 23, 2026 | Credit reporting or other personal consumer reports | Credit monitoring or identity theft protection services | Untimely response | consumerfinance.gov |
| September 22, 2026 | Credit card | Fees or interest | Untimely response | consumerfinance.gov |
| September 18, 2026 | Debt collection | Attempts to collect debt not owed | Untimely response | consumerfinance.gov |
| September 17, 2026 | Credit reporting or other personal consumer reports | Improper use of your report | Untimely response | consumerfinance.gov |
| September 16, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Untimely response | consumerfinance.gov |
| September 12, 2026 | Debt collection | Attempts to collect debt not owed | Untimely response | consumerfinance.gov |
| September 7, 2026 | Debt collection | Took or threatened to take negative or legal action | Untimely response | consumerfinance.gov |
| September 4, 2026 | Debt collection | Attempts to collect debt not owed | Untimely response | consumerfinance.gov |
| September 3, 2026 | Debt collection | False statements or representation | Untimely response | consumerfinance.gov |
| September 3, 2026 | Debt collection | Attempts to collect debt not owed | Untimely response | consumerfinance.gov |
| September 1, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Untimely response | consumerfinance.gov |
| August 13, 2026 | Debt collection | Attempts to collect debt not owed | Untimely response | consumerfinance.gov |
| August 10, 2026 | Debt collection | Took or threatened to take negative or legal action | Untimely response | consumerfinance.gov |
| August 9, 2026 | Credit reporting or other personal consumer reports | Improper use of your report | Untimely response | consumerfinance.gov |
| August 7, 2026 | Debt collection | Written notification about debt | Untimely response | consumerfinance.gov |
| August 7, 2026 | Debt collection | Written notification about debt | Untimely response | consumerfinance.gov |
| August 6, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Untimely response | consumerfinance.gov |
| August 6, 2026 | Debt collection | Written notification about debt | Untimely response | consumerfinance.gov |
| August 4, 2026 | Debt collection | Took or threatened to take negative or legal action | Untimely response | consumerfinance.gov |
| August 4, 2026 | Debt collection | Written notification about debt | Untimely response | consumerfinance.gov |
| August 3, 2026 | Credit reporting or other personal consumer reports | Improper use of your report | Untimely response | consumerfinance.gov |
| July 28, 2026 | Debt collection | Attempts to collect debt not owed | Untimely response | consumerfinance.gov |
| July 27, 2026 | Debt collection | False statements or representation | Untimely response | consumerfinance.gov |
| July 25, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Untimely response | consumerfinance.gov |
| July 24, 2026 | Debt collection | Written notification about debt | Untimely response | consumerfinance.gov |
| July 24, 2026 | Debt collection | Written notification about debt | Untimely response | consumerfinance.gov |
| July 14, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Untimely response | consumerfinance.gov |
| July 14, 2026 | Debt collection | Attempts to collect debt not owed | Untimely response | consumerfinance.gov |
| July 13, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Untimely response | consumerfinance.gov |
| July 13, 2026 | Debt collection | Attempts to collect debt not owed | Untimely response | consumerfinance.gov |
| July 11, 2026 | Debt collection | False statements or representation | Untimely response | consumerfinance.gov |
| July 11, 2026 | Debt collection | False statements or representation | Untimely response | consumerfinance.gov |
| July 11, 2026 | Debt collection | Attempts to collect debt not owed | Untimely response | consumerfinance.gov |
| July 10, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Untimely response | consumerfinance.gov |
| July 10, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Untimely response | consumerfinance.gov |
| June 29, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Untimely response | consumerfinance.gov |
| June 29, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Untimely response | consumerfinance.gov |
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Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.