A call about a debt from “Credit Adjustment Bureau” raises a fair first question: which company is this? Credit Adjustment Bureau, also known as Credit Adjustment Board, Inc., is a real, licensed collector. It was founded in Richmond, Virginia in 1957. Several similarly named companies exist, so confirming the exact entity matters.
Reviewed by Jeff Wood, consumer protection attorney. Sourced from public company records and consumer complaint reporting. Last updated August 2026.
Key Takeaways
- Credit Adjustment Bureau (also Credit Adjustment Board, Inc.) is a licensed debt collector founded in Richmond, VA in 1957
- The company collects healthcare, consumer, and commercial debts, often for hospitals, utility companies, and retail lenders
- It is a different company from Central Adjustment Bureau, Regional Adjustment Bureau, and Mercantile Adjustment Bureau
- Consumers have alleged FDCPA issues including aggressive calling and improper validation, according to third-party complaint reporting
- Federal law allows up to $1,000 per FDCPA violation and $500 to $1,500 per unauthorized automated call under the TCPA
- The Wood Firm PLLC works on contingency, whether or not you owe the debt
Free Case Review: +1-844-638-1122
Who Is Credit Adjustment Bureau?
Credit Adjustment Bureau operates under the formal name Credit Adjustment Board, Inc. It traces its history to 1957 in Richmond, Virginia. The company specializes in recovering delinquent healthcare, consumer, and commercial debts.
The debt collection industry includes several similarly named “adjustment bureau” companies. Confusing them is common. Credit Adjustment Bureau is a separate company from Central Adjustment Bureau, Regional Adjustment Bureau, and Mercantile Adjustment Bureau.
In our practice, we confirm the exact legal entity on every “adjustment bureau” file before advising a client. Two companies can share a nearly identical name and a very different compliance history. A written validation request is the fastest way to pin that down.
Contact information:
- Full name: Credit Adjustment Bureau, also operating as Credit Adjustment Board, Inc.
- Founded: 1957
- Headquarters: Richmond, Virginia
- Specialty: Healthcare, consumer, and commercial debt collection
- Direct phone number: not publicly documented in our records. Request it in writing before discussing any debt.
- Not affiliated with: Central Adjustment Bureau, Regional Adjustment Bureau, Mercantile Adjustment Bureau, Advanced Collection Bureau
Why Is Credit Adjustment Bureau Calling You?
Credit Adjustment Bureau is calling because a hospital, utility company, or retail lender placed your account for collection. The company either purchased the debt outright or was hired as an agent. That distinction affects who owns the debt and who can settle it.
As a third-party collector, Credit Adjustment Bureau must follow the Fair Debt Collection Practices Act in every communication. Skip-tracing and automated dialing create no exemption from that law. If you do not recognize the underlying debt, request written validation before engaging further.
Is Credit Adjustment Bureau a Scam?
Credit Adjustment Bureau is a real, licensed debt collector, not a scam. According to third-party complaint reporting, consumers have alleged aggressive calls and improper validation. Some also describe threats of legal action the company could not actually take. A call that feels aggressive may reflect that pattern rather than fraud.
Before assuming a call is illegitimate, confirm the exact company name in writing. Name confusion with similarly branded collectors is common in this industry.
Is Credit Adjustment Bureau Banned by the FTC?
No. We found no FTC enforcement action on public record against Credit Adjustment Bureau specifically. Federal actions exist against similarly named companies, including Central Adjustment Bureau and Regional Adjustment Bureau.
Those are separate entities, and their history does not transfer to this company.
In our experience, the absence of an FTC action does not rule out an FDCPA claim. The reported pattern here, aggressive calling and validation complaints, is exactly what a private FDCPA claim addresses.
What Credit Adjustment Bureau Cannot Legally Do
Federal law prohibits Credit Adjustment Bureau from doing any of the following. This applies whether it purchased the debt or was hired to collect it.
- Calling before 8 a.m. or after 9 p.m. in your time zone
- Using abusive, threatening, or profane language
- Threatening legal action it has no intention or authority to take
- Continuing collection after a written validation request goes unanswered
- Contacting your employer after being told workplace calls are prohibited
- Using an automated dialer to call your cell without prior consent
Each unauthorized automated call may be a separate TCPA violation worth $500 to $1,500.
How to Respond to Credit Adjustment Bureau
Given the name confusion in this industry, verification matters before anything else. In our practice, we ask every “adjustment bureau” file for proof of which underlying creditor it represents. That single document often resolves the entity-confusion question fastest.
- Confirm the exact entity first. Request written confirmation you are dealing with Credit Adjustment Bureau, not a similarly named company.
- Request written validation within 30 days. Ask for the original creditor, the current balance, and proof of the company’s authority to collect.
- Check the statute of limitations for your state before discussing payment on an older debt.
- Document every call, including the date, time, number, and what was said.
- Send a cease-and-desist by certified mail if calls continue, and keep the receipt.
How to Remove Credit Adjustment Bureau From Your Credit Report
A collection entry from this company can lower your score. Under federal law, it must come off your report seven years after the original delinquency date. Dispute the entry with Equifax, Experian, and TransUnion if any of these apply.
- The reported balance does not match your own account records.
- The company never validated the debt after you requested it in writing.
- The debt is outside your state’s reporting window.
In our practice, we request proof of the debt’s chain of ownership before advising a pay-for-delete negotiation. A company that cannot prove ownership has no standing to demand payment.
How The Wood Firm PLLC Helps With These Cases
Name confusion across “adjustment bureau” companies makes verification the first step in any case. We confirm the exact entity and request its chain-of-custody documentation. We then review your call log for FDCPA and TCPA issues.
The Wood Firm PLLC has handled FDCPA, FCRA, and TCPA cases exclusively since 2010. We represent consumers only, never creditors or collectors. A review costs nothing upfront, and the collector pays our fees if we win. Call +1-844-638-1122.
Whether you owe the debt or not, a review can identify violations worth pursuing. Visit our contact page or call +1-844-638-1122 for a free case review. The Wood Firm PLLC works on contingency. If the collector violated federal law, it pays our fees, not you.
Frequently Asked Questions About Credit Adjustment Bureau
Is Credit Adjustment Bureau the same as Central Adjustment Bureau?
No. These are separate companies despite the similar name. Central Adjustment Bureau, Inc. has its own distinct history and is not affiliated with Credit Adjustment Bureau.
Is Credit Adjustment Bureau the same as Regional Adjustment Bureau?
No. Regional Adjustment Bureau, Inc. is a separate, unrelated company. Confirm the exact name in writing if you are unsure which one contacted you.
Does Credit Adjustment Bureau buy debt or just collect it?
Both models exist in its business. The company sometimes purchases written-off debt outright and sometimes collects as a hired agent for the original creditor.
Can Credit Adjustment Bureau report my debt to credit bureaus?
Yes. It can furnish information to Equifax, Experian, and TransUnion. Federal rules require that reporting to be accurate, and inaccurate entries can be disputed.
Should I pay Credit Adjustment Bureau before speaking to an attorney?
No. Verify the exact entity and request written validation first. A free consultation costs nothing before you pay anything.
What to Do Next If Credit Adjustment Bureau Contacts You
Save every letter and call log before you respond further. Confirm the exact company name in writing. Those records support a validation request and, where warranted, a potential FDCPA or TCPA claim.
For a deeper look at this collector’s complaint history, see our full Credit Adjustment Bureau harassment guide. Call +1-844-638-1122 to have your file reviewed.
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.
