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Data / Consumer complaints / Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates / Debt collection

Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates: 198 CFPB complaints about debt collection, last 3 years

Updated November 7, 2026. Source: CFPB Consumer Complaint Database.

Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates drew 198 consumer complaints about debt collection in the CFPB database in the three years to November 6, 2026, 54.1% of its 366 complaints in that time. The most common issue was “Attempts to collect debt not owed”. The company responded on time to 3.5% of them, 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 about debt collection by issue, with the date and the company response. $10 of work on sign-up, no card.

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  • 198Complaints, last 3 years
  • 54.1%Share of the company's complaints
  • 3.5%Responded on time
  • 0.0%Closed with relief
  • Oct 14, 2026Latest received

By period

The three years are cut into 12 month periods ending on the date of the latest data.

PeriodComplaintsShare
12 months to Nov 6, 202611960.1%
12 months to Nov 6, 20256532.8%
12 months to Nov 6, 2024147.1%

Issues

IssueComplaintsShare
Attempts to collect debt not owed7035.4%
Took or threatened to take negative or legal action6934.8%
Written notification about debt2713.6%
False statements or representation2412.1%
Electronic communications52.5%
Communication tactics31.5%

How the company responded

Company responseComplaintsShare
Untimely response18995.5%
Closed with explanation94.5%

States

Where the consumers who complained live, as they gave it to the CFPB.

StateComplaintsShare
Georgia10050.5%
Texas199.6%
Florida178.6%
North Carolina168.1%
California94.5%
Arizona73.5%
Tennessee52.5%
Maryland31.5%
Alabama21%
Illinois21%
Indiana21%
Missouri21%
Ohio21%
Washington21%
Idaho10.5%
Louisiana10.5%
Michigan10.5%
Mississippi10.5%
New Jersey10.5%
New York10.5%
Oklahoma10.5%
Pennsylvania10.5%
Rhode Island10.5%

Latest 25 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
October 14, 2026Debt collectionCommunication tacticsUntimely responseconsumerfinance.gov
October 13, 2026Debt collectionWritten notification about debtUntimely responseconsumerfinance.gov
October 12, 2026Debt collectionWritten notification about debtUntimely responseconsumerfinance.gov
October 9, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
October 4, 2026Debt collectionWritten notification about debtUntimely responseconsumerfinance.gov
September 30, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
September 18, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
September 12, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
September 7, 2026Debt collectionTook or threatened to take negative or legal actionUntimely responseconsumerfinance.gov
September 4, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
September 3, 2026Debt collectionFalse statements or representationUntimely responseconsumerfinance.gov
September 3, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
August 13, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
August 10, 2026Debt collectionTook or threatened to take negative or legal actionUntimely responseconsumerfinance.gov
August 7, 2026Debt collectionWritten notification about debtUntimely responseconsumerfinance.gov
August 7, 2026Debt collectionWritten notification about debtUntimely responseconsumerfinance.gov
August 6, 2026Debt collectionWritten notification about debtUntimely responseconsumerfinance.gov
August 4, 2026Debt collectionTook or threatened to take negative or legal actionUntimely responseconsumerfinance.gov
August 4, 2026Debt collectionWritten notification about debtUntimely responseconsumerfinance.gov
July 28, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
July 27, 2026Debt collectionFalse statements or representationUntimely responseconsumerfinance.gov
July 24, 2026Debt collectionWritten notification about debtUntimely responseconsumerfinance.gov
July 24, 2026Debt collectionWritten notification about debtUntimely responseconsumerfinance.gov
July 14, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
July 13, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov

Also on SpecStream

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.