Is Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates on Your Credit Report?
Short answer: Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates (Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates) is a real, legitimate medical debt collector based in Flint, MI. It is not a scam — but a legitimate collector can still report a debt that is inaccurate, unverified, past the statute of limitations, or not even yours. You have the right to demand proof before you pay a cent.
Who Is Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates?
Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates is a Flint-based collector working accounts on behalf of creditors and account owners. Medical balances change hands with unusually poor paperwork, so ask Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates for an itemized statement and proof it is authorized to collect before you treat the balance as settled fact. Its on-time response rate to those complaints is 4%, meaning a meaningful minority were not answered within the window. attempts to collect a debt the consumer says is not owed is the next most frequent grievance, with 63 complaints. Federal complaint records do not publish a company address; the Flint location shown here comes from 2 independent public sources checked for this page. The top three consumer states by filing count are GA 88, TX 19, FL 15. Its caseload skews toward medical and dental bills, student loan debt, credit card debt. Notably, the largest block of complaints comes from Georgia (88 of 182) rather than from its home state of Michigan — a sign it collects across state lines. Put every request in writing, and never confirm a balance over the phone before it has been validated.
You may also see this company on your report or in letters as: Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates.
What most people don't know about Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates:
Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates is named in 182 debt-collection complaints in the CFPB's public database, the single most common being took or threatened to take negative or legal action (68 of them, 37%). The bureau flagged 175 of those responses as not timely. Complaint volume alone does not decide your account, but it is documented federal evidence you can reference in a dispute.
Why Is Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates on My Credit Report?
Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates typically collects medical and dental bills, student loan debt, credit card debt. A collection like this usually lands on your report because:
- ✅ An original account (a medical and dental bills, for example) went unpaid and was charged off.
- ✅ The account was placed with Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates to collect on behalf of the original creditor.
- ✅ Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates furnished the account to one or more of the three credit bureaus (Equifax, Experian, TransUnion).
Important: a collection account on its own does not prove you owe the debt or that the amount is correct. That's where your rights come in.
Your Rights When Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates Contacts You
Federal law — the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) — gives you powerful tools. Here is the playbook we use at Crowned Credit.
1. Debt Validation (FDCPA §809)
Within 30 days of first contact, send Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates a written debt-validation letter. They must prove the debt is yours, the amount is correct, and they have the legal right to collect. If they can't, they must stop collecting and it should come off your report.
2. Dispute With the Bureaus (FCRA §611)
You can dispute the Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates tradeline directly with Equifax, Experian, and TransUnion. The bureaus have 30 days to investigate. If the account can't be verified, the law requires it be deleted or corrected.
3. Cease-and-Desist
You can demand in writing that Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates stop contacting you. They can still report and sue, but they must stop calls and letters — useful for stopping harassment while you build your case.
4. Pay-for-Delete (in writing only)
If the debt is valid and yours, you may negotiate to pay in exchange for deletion of the tradeline. Never pay on a verbal promise — get the pay-for-delete agreement in writing first.
5. Statute of Limitations
Every state has a time limit on how long a collector can sue you for a debt. If the debt is "time-barred," Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates can still ask for payment but generally cannot win a lawsuit — and making a payment can dangerously restart the clock.
6. Protection From Harassment
The FDCPA bars Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates from calling at unreasonable hours, threatening you, or lying. Every violation is potential leverage — and may entitle you to damages.
How Crowned Credit Helps With Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates
We don't send cookie-cutter form letters. We investigate the specific account, assert every applicable right, and work it with all three bureaus and the collector directly.
Review & Validate
We pull all three bureau reports, find every error on the Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates entry, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and the collector. When they fail to investigate properly, we escalate to the CFPB and, where warranted, attorneys.
Track & Build
We monitor deletions in real time and coach you on rebuilding once inaccurate items are addressed.
See our transparent pricing — no long-term contracts.
Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates — Frequently Asked Questions
Is Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates a scam or a legitimate company?
Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates is a real, registered medical debt collector headquartered in Flint, MI. It is a legitimate business — but "legitimate company" does not mean the specific debt it's reporting is accurate, validated, or even yours. Scammers do sometimes impersonate well-known collectors like Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates, so always demand written validation before paying anything.
Why is Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates on my credit report?
Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates is a Flint-based collector working accounts on behalf of creditors and account owners. Medical balances change hands with unusually poor paperwork, so ask Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates for an itemized statement and proof it is authorized to collect before you treat the balance as settled fact. Its on-time response rate to those complaints is 4%, meaning a meaningful minority were not answered within the window. attempts to collect a debt the consumer says is not owed is the next most frequent grievance, with 63 complaints. Federal complaint records do not publish a company address; the Flint location shown here comes from 2 independent public sources checked for this page. The top three consumer states by filing count are GA 88, TX 19, FL 15. Its caseload skews toward medical and dental bills, student loan debt, credit card debt. Notably, the largest block of complaints comes from Georgia (88 of 182) rather than from its home state of Michigan — a sign it collects across state lines. Put every request in writing, and never confirm a balance over the phone before it has been validated. It most commonly collects medical and dental bills, student loan debt, credit card debt. It likely appeared after an original account went unpaid and was placed with them for collection. Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates is named in 182 debt-collection complaints in the CFPB's public database, the single most common being took or threatened to take negative or legal action (68 of them, 37%). The bureau flagged 175 of those responses as not timely. Complaint volume alone does not decide your account, but it is documented federal evidence you can reference in a dispute.
Can Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates be removed from my credit report?
Yes — inaccurate, unverifiable, or improperly reported Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates collection accounts can be removed. Under the FCRA, the credit bureaus must investigate your dispute, and if Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates cannot verify the debt, it must come off your report. Crowned Credit reviews the account for errors, demands debt validation, and disputes it with all three bureaus.
Should I pay Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates or dispute it first?
Do not pay before you validate. Once you confirm a collection is yours, accurate, and within the statute of limitations, you may consider a pay-for-delete agreement in writing. But paying an unverified or time-barred debt can restart the clock and lock in a negative entry. Get a free assessment before you send any money to Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates.
How long can Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates report this debt?
Most negative collection accounts can remain on your credit report for up to seven years from the original delinquency date — not from when Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates acquired or began collecting it. If the account is being "re-aged" to look newer, that is a reporting violation you can dispute.
Will Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates sue me?
Some collectors and debt buyers do file lawsuits, especially before the statute of limitations expires. If you are served, do not ignore it. Validate the debt, check whether it is time-barred in your state, and get help. Most third-party agencies focus on collection rather than litigation, but you should still respond to any legal notice.
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