CFPB · Mid-pack CFPB posture
Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates
301 CFPB complaints · 33 states · top issue Took or threatened to take negative or legal action.
Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates has 301 consumer complaints in the CFPB public database. Timely response is 3.7%; 0% closed with relief; top product Debt collection. Allegations, not regulatory findings.
- Mid-pack CFPB posture
- +10700% filings 2023 to 2026
CFPB relief outcome brief
CCDB company merchants-medical-adjustment-bureau-inc-dba-credit-bureau-associates
0% relief · 3.7% timely · 301 filings · Debt collection
Same-product relief peers
Nearest relief peer: Transworld Systems Inc (0% relief)
Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
How 301 complaints split on narrative text
CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates complaint mix by product
- Debt collection 160 53.2% – 0% relief
- Credit reporting 135 44.9% – 0% relief
- Debt or 4 1.3% – 0% relief
- Money transfer, 1 0.3% – 0% relief
- Credit card 1 0.3% – 0% relief
How Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates's 301 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 160 |
| Credit reporting or other personal consumer reports | 135 |
| Debt or credit management | 4 |
| Money transfer, virtual currency, or money service | 1 |
| Credit card | 1 |
Where Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- GA
- 36.9% of this company's filings
Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 108
- +10700% vs 2023
Top States
| State | Complaints |
|---|---|
| GA | 111 |
| TX | 30 |
| FL | 28 |
| NC | 20 |
| OH | 13 |
| CA | 11 |
| NY | 8 |
| IL | 7 |
| PA | 6 |
| SC | 5 |
| MD | 5 |
| AZ | 5 |
| TN | 4 |
| VA | 4 |
| LA | 4 |
| AL | 4 |
| MI | 4 |
| NV | 4 |
| MA | 3 |
| IN | 3 |
Top Issues
| Issue | Complaints |
|---|---|
| Took or threatened to take negative or legal action | 61 |
| Incorrect information on your report | 61 |
| Attempts to collect debt not owed | 58 |
| Improper use of your report | 39 |
| Problem with a company's investigation into an existing problem | 25 |
| False statements or representation | 19 |
| Written notification about debt | 16 |
| Credit monitoring or identity theft protection services | 5 |
| Electronic communications | 4 |
| Identity theft protection or other monitoring services | 3 |
| Confusing or missing disclosures | 3 |
| Communication tactics | 2 |
| Unable to get your credit report or credit score | 2 |
| Fraud or scam | 1 |
| Charged upfront or unexpected fees | 1 |
| Problem when making payments | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2023 | 1 | 100% |
| 2024 | 47 | 19.1% |
| 2025 | 145 | 0% |
| 2026 | 108 | 0.9% |
Source: CFPB Consumer Complaint Database
What the CFPB record shows about Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates
Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates's 301 logged complaints stay concentrated: only 33 states show a filing. Only 22.3% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2023 through 2026-06-25.
Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates answers 3.7% of complaints inside the CFPB's tracked window and closes 4.3% with a written explanation. 0% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Took or threatened to take negative or legal action."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 301.
- Branch Messenger, Inc. Δ 0 complaints · 0% relief 301complaints
- First Investors Servicing Corporation, Atlanta, GA Branch Δ 1 complaints · 24.7% relief 300complaints
- Meta Payments Inc. Δ 2 complaints · 10.9% relief 303complaints
- Scott Fetzer Financial Group Inc. Δ 2 complaints · 12.5% relief 303complaints
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 3.7%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates (3.7% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Mid-pack CFPB posture