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Updated on Author: Contributing Author: Sergei Lemberg

Are You Being Called By Credit Bureau Services?*

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Are you being called by Credit Bureau Services?* Here’s what you need to know

Calls from debt collectors tend to signal a challenging event in your life. Perhaps you are behind on your monthly payments, maybe you are actually victim of identity theft, or the collector could be chasing the wrong person. If they are rude and insulting when trying to collect the amount they claim you owe, call a consumer attorney and be prepared to stand up for yourself.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act (FDCPA) is a consumer protection law that makes it illegal for third-party debt collectors to harass debtors. Tactics like the following can cause a collection agency to be fined and even lose its license.

  • Using profane or obscene language
  • Refusing to validate the debt and prove that they are authorized to collect it
  • Telling you that you can arrested or imprisoned for nonpayment of a debt
  • Threatening action they are not in a position to legally take
  • Failing to report a debt as disputed to the credit bureaus
  • Calling you before 8:00 a.m. and after 9:00 p.m. in your time zone

Is Credit Bureau Services Calling You?

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Company Profile: Credit Bureau Services

If you are being called by Credit Bureau Services, information about the company is below.

Credit Bureau Services, which also does business as MD Collections, is a debt collection company located in San Clemente, California. It was established in 1989, has 10 employees on staff, and is managed by owner Stewart Mortensen. It has a C+ rating with the Better Business Bureau.

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Hire an Attorney

The phone numbers for this collection agency are as follows:

If any of them appear on your caller ID when you hear the phone ring, it means that you are being called by Credit Bureau Services. If they suggest that nonpayment of a debt will destroy your credit, hire a consumer attorney. If you file a claim against Credit Bureau Services and win your case, you could potentially be awarded $1,000 per violation as well as attorney’s fees, court costs, and any actual damages. Your rights must be respected or the debt collector could be the one owing money.

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 Services, or any other third-party collection agency, you may not be entitled to any compensation.

About the author:

Contributing Author: Sergei Lemberg

Sergei Lemberg is a consumer rights attorney, practicing since 2006, whose practice focuses on consumer law, class actions and personal injury litigation. He is known for a United States Supreme Court case (Facebook v. Duguid) defending consumers from autodialers under the Telephone Consumer Protection Act of 1991 to send unsolicited text messages. He is also the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.

See more posts from Contributing Author: Sergei Lemberg
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