Are you being called by Credit Bureau Data, Inc.?* Here's what you need to know.
The average household in the U.S. carries a $15,000 credit card balance. This is difficult enough to pay off when you are working full time, but if you lose your job or become disabled and the debt goes into arrears, debt collectors will soon be calling and demanding payment. If they behave in ways that are harassing and abusive, learn more about your rights.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) protects consumers from third-party debt collectors who might otherwise behave in ways that would drive them to bankruptcy. It regulates what collection agencies can do to obtain payments and prohibits actions like the following:
- Calling you before 8:00 a.m. and after 9:00 p.m.
- Making threats they have no intention of following up on, such as seizing your house or having you arrested
- Leaving voice messages that do not identify the collector and the purpose of their call
- Telling your friends and family that you owe money
- Using profane and obscene language
- Calling you at work when they know your employer doesn’t allow you to take personal calls
Company Profile: Credit Bureau Data, Inc.
If you are being called by Credit Bureau Data, Inc., information about the company is below.
Credit Bureau Data, Inc. is a debt collection agency located in La Crosse, Wisconsin. It was established in 1979, has approximately 30 employees, and is managed by its President, Nancy J. Borgen. According to court files digitized and archived at the PACER (Public Access to Court Electronic Records) website, many consumers who believed they were being harassed by Credit Bureau Data, Inc. chose to stand up for themselves instead of back down.
Alleged Violations against Credit Bureau Data, Inc.
According to PACER, in or about February 2016, a Minnesota resident contacted Credit Bureau Data, Inc. and made arrangements to pay debts that his wife had incurred but were showing up on his credit report. By October 2016, he had paid at least $1,842.63 and believed that he had covered all outstanding obligations, but one of them continued to be reported to the credit bureaus as outstanding.
Feeling harassed by Credit Bureau Data, Inc., he hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Using false, deceptive and misleading means to collect a debt
- Using an unfair or unconscionable means to attempt to collect a debt
The matter was later dismissed.
Hire an Attorney
The phone numbers for this debt collection agency are as follows:
If you see either of these numbers on your caller ID when the phone rings, you are being called by Credit Bureau Data, Inc.. If they damage your credit by reporting inaccurate information to the credit bureaus, contact a consumer attorney right away. Carelessness with personal information violates the FDCPA, and if you file a claim against Credit Bureau Data, Inc., you may be awarded $1,000 per FDCPA violation. In cases like this, failure to guard your privacy could turn out to be an expensive mistake.
*Case taken from PACER (www.pacer.gov). File number is Case 3 0:17-cv-00817-RHK-SER from the United States District Court for the District of Minnesota.
Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Credit Bureau Data, Inc., or any other third-party collection agency, you may not be entitled to any compensation.