Total complaints
226
Filed since 2023
2026 data Public-data reference. official source
Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates
226 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
226 consumer complaints filed with the CFPB
This profile shows Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates's complaint history from CFPB public records. 226 consumers have filed complaints since 2023. The company has a 4% timely response rate and has provided relief in 0% of cases.
226
Total Complaints
4%
Timely Response
0%
Disputed
0%
Relief Provided
29
States Active
2023
Since
Timely response
4%
CFPB-tracked response window
Relief rate
0%
Closed with monetary or non-monetary relief
Timely response rate 4.0%
Federal benchmark
CFPB benchmark: response within 15 calendar days of filing.
Relief rate 0.0%
Industry median
Share closed with monetary or non-monetary relief.
Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates complaint mix by product
- Debt collection 118 52.2% – 0% relief
- Credit reporting 105 46.5% – 0% relief
- Debt or 3 1.3% – 0% relief
How Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates's 226 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 118 |
| Credit reporting or other personal consumer reports | 105 |
| Debt or credit management | 3 |
Top States
| State | Complaints |
|---|---|
| GA | 94 |
| FL | 24 |
| NC | 16 |
| TX | 15 |
| OH | 11 |
| CA | 7 |
| IL | 5 |
| SC | 5 |
| NY | 5 |
| LA | 4 |
| PA | 4 |
| AZ | 4 |
| MD | 3 |
| MA | 3 |
| AL | 3 |
| IN | 2 |
| CO | 2 |
| ME | 2 |
| AR | 2 |
| TN | 2 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 51 |
| Attempts to collect debt not owed | 45 |
| Took or threatened to take negative or legal action | 40 |
| Improper use of your report | 32 |
| False statements or representation | 15 |
| Problem with a company's investigation into an existing problem | 14 |
| Written notification about debt | 14 |
| Credit monitoring or identity theft protection services | 5 |
| Electronic communications | 3 |
| Confusing or missing disclosures | 2 |
| Unable to get your credit report or credit score | 2 |
| Communication tactics | 1 |
| Charged upfront or unexpected fees | 1 |
| Identity theft protection or other monitoring services | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2023 | 1 | 100% |
| 2024 | 43 | 18.6% |
| 2025 | 129 | 0% |
| 2026 | 53 | 0% |
Source: CFPB Consumer Complaint Database 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 has accumulated 226 consumer complaints in the CFPB public database, with filings active across 29 U.S. states. Of those submissions, 41 include a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to 2023, and the most recent logged activity is 2026-03-23, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates reports a 4% timely-response rate and has closed 4.9% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "Debt collection", and the single most common underlying issue is "Incorrect information on your report".
Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.
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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.
Frequently Asked Questions
How many CFPB complaints does Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates have?
Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates has received 226 consumer complaints filed with the Consumer Financial Protection Bureau.
Does Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates respond to complaints on time?
Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates has a 4% timely response rate to CFPB complaints.
What is the most common complaint about Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates?
The most common issue reported against Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates is "Incorrect information on your report" in the "Debt collection" product category.
Read our methodology — how this data is sourced, computed, and verified.
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