Credit Bureau Collection Services, Inc. (CBCS) is a Columbus, Ohio, collection agency that also operates as Revco Solutions. It contacts consumers about medical, utility, and government debts. Federal records include a 2010 FTC settlement over inaccurate credit reporting, and BBB reviewers allege collection on discharged and already-paid debts. If a CBCS or Revco call or credit entry matches your situation, verify it in writing before you pay.
Key Takeaways
- CBCS is a Columbus, Ohio, debt collector that company materials date to 1948. It announced the Revco Solutions name in July 2020, and both names remain in use.
- In 2010, CBCS settled FTC charges by consent decree and paid a $1.1 million civil penalty. The charges involved inaccurate credit reporting and collecting invalid debts.
- Federal lawsuits include a 2017 proposed class action alleging notices used a “service date” instead of the exact balance. Those are allegations, not findings.
- BBB’s Revco Solutions profile reports 90 complaints in three years, 34 in the last 12 months. Reviewers allege collection on discharged debts and repeated ACH charges.
- FDCPA violations may support up to $1,000 in statutory damages per action, plus attorney fees paid by the collector.
Free Case Review: +1-844-638-1122
Who Is Credit Bureau Collection Services
Credit Bureau Collection Services, Inc. (CBCS) is a third-party debt collection agency based in Columbus, Ohio. The company’s about page dates it to 1948 and ties it to the CBC Companies umbrella. CBCS recovers medical, utility, government, and financial services debts.
In July 2020, CBCS announced a new name, Revco Solutions, after partnering with Professional Recovery Consultants. The agency continues to operate under both names, so a letter or credit entry may carry either one.
In our practice, the first document we pull in a CBCS or Revco file is the original creditor assignment. The chain from the provider to the collection file is where debt authority can be challenged.
- Also known as: CBCS, Revco Solutions, CBC Companies, Credit Bureau Collection Services Inc.
- Headquarters: Columbus, Ohio
- Websites: revcosolutions.com and cbcscollections.com
- BBB profile for Revco Solutions: Revco Solutions BBB listing
- BBB profile, Fairlawn, Ohio: CBCS Fairlawn BBB listing
- BBB profile, Dayton, Ohio: CBCS Dayton BBB listing
#5 of 863 Companies
2026 CFPB Credit Reporting Complaint Ranking*
CBC Companies, Inc. ranks #5 of 863 companies in credit reporting complaints, with 1,118 complaints in the Sep 13, 2025 – Sep 12, 2026 window. The top four are the three national credit bureaus plus LexisNexis. TransUnion, Experian, and Equifax each have 250,000 to 347,000 complaints, and LexisNexis has about 3,900. CBC Companies is the largest of the smaller players, but it is far below that top tier.
This ranking is based on the “Credit reporting or other personal consumer reports” product category, not debt collection. It is a separate measure from any debt collection complaint ranking.
What Phone Numbers Does CBCS Use
Research for this page lists one toll-free number for CBCS and Revco Solutions:
☎8005761111
☎1-800-576-1111
☎800.576.1111
☎(800) 576-1111
☎800-576-1111
If this number appeared on your caller ID, the contact likely came from CBCS or Revco Solutions. The same goes if a letter told you to call it. A caller who claims to be a hospital or agency but uses this line is a third-party collector, not the original creditor.
According to BBB complaint records, some consumers received notices on accounts the original creditor had no record of. Log the number and time of every call before you respond.
Why Is Credit Bureau Collection Services Calling You
CBCS is calling you because a hospital, utility company, or government agency placed your account with it for collection. Revco Solutions continues that same work under the new name. In some cases, the debt CBCS references may not be valid.
A December 2025 BBB complaint describes a consumer whose debt was discharged in a 2022 Chapter 7 bankruptcy. The reviewer alleges Revco kept reporting and verifying the account as an open balance after the discharge. A January 2026 complaint describes an unrecognized collection account on a credit report. The reviewer says the Revco representative could not provide documentation and told the consumer to find it.
Suppose CBCS or Revco contacts you about a debt you do not recognize. The FDCPA requires a validation notice within five days of first contact. You have 30 days to dispute in writing. Collection must pause until verification is mailed.
Is Credit Bureau Collection Services A Scam
No. CBCS is a real collection agency with a long operating history and documented federal enforcement history. Real does not mean every tactic is lawful. The 2010 FTC settlement involved inaccurate credit reporting and collecting debts consumers often did not owe.
BBB reviewers make further allegations about Revco Solutions, including these from the Revco BBB profile:
- A 2024 review alleges a representative threatened the reviewer with physical harm on a call.
- A disabled veteran alleges four calls in under five minutes, and a refusal to close the account as a dispute after the VA confirmed payment in full.
- Another reviewer alleges Revco tried to collect a debt the original hospital confirmed was already paid.
These are consumer allegations, not findings. They do show why the threshold question in every file is whether CBCS had a legal basis to collect at all.
Has Credit Bureau Collection Services Been Sued
Yes. CBCS has faced a federal enforcement action and several federal lawsuits. A caption is not a scoreboard, and the summaries below describe allegations unless stated otherwise.
- The FTC enforcement action against CBCS (2010) ended in a consent decree and a $1.1 million civil penalty under the FCRA. The company and its president were named defendants. The penalty was imposed on the company.
- Anderson v. Credit Bureau Collection Services, Inc. (7th Cir. 2011) is a Seventh Circuit appeal listed in Cardoza Law Corp’s CBCS summary. This page does not report its outcome.
- Johnson v. Credit Bureau Collection Services (2017) was a proposed Wisconsin class action. It alleged notices used a confusing “service date” instead of stating the exact debt owed.
- Johnson v. Credit Bureau Collection Services Inc., Case 2:19cv133 (2019) alleged FDCPA and FCRA violations.
When we open a CBCS file, we pull the collection notice next to the underlying account records. The 2017 Johnson claim turned on a notice-formatting issue, and that is something we compare in every CBCS or Revco letter. A notice that looks compliant can still fail FDCPA disclosure standards.
Is CBCS Banned By The FTC
No. Nothing in the sources reviewed shows that CBCS has been barred from operating, and Revco Solutions continues to collect nationally. The FTC did act directly, though. The 2010 consent decree carried a $1.1 million civil penalty and conduct requirements.
That penalty is a documented federal outcome, not a consumer allegation. You can also file complaints with the Consumer Financial Protection Bureau.
Can Credit Bureau Collection Services Report To Your Credit
Yes, CBCS and Revco Solutions can report unpaid accounts to the credit bureaus, but the reporting must comply with the FCRA. A December 2025 BBB complaint alleges Revco reported and verified an account as open after a 2022 Chapter 7 discharge. That could implicate both the FCRA and the discharge injunction under 11 U.S.C. § 524.
A separate December 2025 complaint alleges Revco placed a collection on a credit report without required validation documentation under 12 CFR 1006.34. A collection account can remain on your report for up to seven years from the original delinquency date.
An account you do not recognize, or one reported after a bankruptcy discharge, is disputable under 15 U.S.C. § 1681i. It may also support a separate FCRA claim.
How Does The Wood Firm PLLC Help With CBCS Debt Harassment
CBCS has a documented record running from an FTC settlement through federal class actions to 2025 and 2026 BBB complaints. Those complaints allege collection on invalid debts, bankruptcy discharge problems, and unauthorized ACH withdrawals.
The Wood Firm PLLC examines CBCS and Revco files for the issues that recur in that record. Those include notices that obscure the amount owed, reporting before validation ends, collection after a discharge, and repeated contacts under 15 U.S.C. § 1692d. The firm handles consumer protection cases on contingency, with no upfront fee. If a collector violated the FDCPA or the FCRA, it may be ordered to pay attorney fees under fee-shifting.
The Wood Firm PLLC represents consumers exclusively and has never represented a creditor or collector. To start a review, visit the firm’s contact page or call +1-844-638-1122.
What Should You Do Next About CBCS Contact
Document every contact before you respond. Save every letter, note the date and time of every call, and record each representative’s name. If a payment left your account without notice, keep that bank record with the rest.
Do not pay before validating the debt. Mail a written validation request by certified mail within 30 days of the first written notice. Ask for the original creditor’s name, the balance claimed, and documentation of the collector’s authority.
If CBCS or Revco cannot produce the original assignment, it may lack authority to collect that account. Call +1-844-638-1122 for a free review of what the collector sent you.
Which Related Collector Guides Can Help
Related guides cover collectors with similar names or complaint themes:
- Certified Credit Collection Bureau harassment
- First National Collection Bureau harassment
- United Collection Bureau debt collection
- Diversified Recovery Bureau harassment
- Swift Funds Financial harassment
- United Credit Recovery Bureau harassment
Frequently Asked Questions
What is the connection between Credit Bureau Collection Services and Revco Solutions?
Revco Solutions is the new name for Credit Bureau Collection Services, Inc. (CBCS). The agency announced the change in July 2020 after partnering with Professional Recovery Consultants. Both names remain in use, so letters and credit reports may show either one.
Did the FTC take action against Credit Bureau Collection Services?
Yes. In 2010, CBCS settled FTC charges by consent decree and paid a $1.1 million civil penalty. The charges involved inaccurate credit reporting and attempts to collect debts consumers often did not owe. A consent decree is a settlement, not a trial verdict.
Can Credit Bureau Collection Services collect a debt discharged in bankruptcy?
No. A Chapter 7 discharge injunction under 11 U.S.C. § 524(a)(2) bars acts to collect a discharged debt. A December 2025 BBB complaint alleges Revco Solutions kept verifying a discharged account as an open balance. That conduct may support a bankruptcy contempt proceeding and FCRA claims.
How do I dispute a Credit Bureau Collection Services account on my credit report?
Send a written dispute to all three bureaus with documents showing the account is inaccurate or unverified. Separately, mail a written validation request to CBCS or Revco Solutions by certified mail. Continued reporting without verification may violate 15 U.S.C. § 1681s-2(b).
Can Credit Bureau Collection Services sue me for unpaid debt?
Yes, if the debt is still inside your state’s lawsuit deadline, often three to ten years. If you believe the debt is invalid, not yours, or discharged, contact a consumer protection attorney before the response deadline. Ignoring a lawsuit can lead to a default judgment.
What does the 2017 CBCS class action mean for my collection notice?
The Johnson class action alleged that CBCS notices used a “service date” instead of clearly stating the exact amount owed. If your letter lists a service date without a clear total balance, it may raise the same issue. The case is an allegation, not proof about your letter.
What does the CFPB credit reporting ranking for CBC Companies mean?
CBC Companies, Inc. ranks #5 of 863 companies for credit reporting complaints received Sep 13, 2025 to Sep 12, 2026. That ranking uses the credit reporting product category, not debt collection. Read it in the context of company size and market share.
* Ranking determined by the overall number of credit reporting complaints to the Consumer Financial Protection Bureau (CFPB), based on complaints received Sep 13, 2025–Sep 12, 2026, and should be considered in the context of company size and/or market share. Source data: CFPB Consumer Complaint Database.
Jeff Wood represents consumers exclusively, never creditors or collectors. He holds federal court admissions across 9 districts, including all courts of AR, CO, NM, and TX. He practices from Little Rock, AR.
