How Can I Remove CBCS From My Credit Report?

CBCS is a collections agency offering collection services to health care, financial, utility, communication, cable and satellite companies. Due to a high number of complaints, the Better Business Bureau graded CBCS with a "C" because of issues being linked to improper collection practices or unsubstantiated charges. Under the Fair Debt Collection Practices Act consumers have the right to question any debt listed on a credit report and to request that the debt be validated. Consumers believing that CBCS is trying to collect a nonexistent or previously paid debt, can take steps to have to remove CBCS from a credit report.

Instructions

Validating the debt

1

Request verification of the debt. This must be done U.S. Postal Service or or other traditional mail service, not through e-mail or over the phone. The letter must include your name, address, and the account information given by CBCS, such as the account number. It is a good idea to use one of the many free online debt verification letters available online and to mail the letter using registered mail with proof of signature upon receipt.

2

Wait 30 days for a response from CBCS. If CBCS responds with information verifying that the debt is legitimate then it is not possible to remove the debt from the credit report. If CBCS does not provide verification that the debt is legitimate, within 30 days, the next step in the process can be taken.

3

Mail a cease and desist letter to CBCS, using available online templates if desired, along with a copy of the receipt from the previous letter showing that the letter was signed for, and a copy of the previous letter. The cease and desist letter will state that the company has not complied with the Fair Debt Collection Practices Act and that they must remove the debt from the credit report.

4

Wait 20 days for a response from CBCS. If CBCS sends a letter agreeing to remove the listing the individual needs to submit copies of the letter to the three credit reporting agencies, Experian, Transunion, and Equifax. If CBCS does not respond or refuses to remove the debt without providing verification of the debt, the individual can take legal action by filing a lawsuit in small claims court against CBCS.