Is Professional Claims Bureau, Inc. on Your Credit Report?
Short answer: Professional Claims Bureau, Inc. (Professional Claims Bureau, Inc.) is a real, legitimate third-party collection agency based in Garden City, NY. 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 Professional Claims Bureau, Inc.?
The Garden City-based third-party collection agency Professional Claims Bureau, Inc. is documented in the CFPB's public Consumer Complaint Database, which confirms it is an operating collector and gives you a federal regulator to escalate to if a dispute is not resolved.
You may also see this company on your report or in letters as: Professional Claims Bureau, Inc..
What most people don't know about Professional Claims Bureau, Inc.:
Searching Professional Claims Bureau, Inc. in the CFPB Consumer Complaint Database returns 89 debt-collection complaints against the Garden City operation. Volume alone says nothing about whether your specific balance is accurate, but it does establish that this third-party collection agency is actively collecting and that consumers routinely escalate disputes about it to a federal regulator — an option that stays open to you.
Why Is Professional Claims Bureau, Inc. on My Credit Report?
Professional Claims Bureau, Inc. typically collects medical and healthcare bills, consumer accounts. A collection like this usually lands on your report because:
- ✅ An original account (a medical and healthcare bills, for example) went unpaid and was charged off.
- ✅ The account was placed with Professional Claims Bureau, Inc. to collect on behalf of the original creditor.
- ✅ Professional Claims Bureau, Inc. 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 Professional Claims Bureau, Inc. 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 Professional Claims Bureau, Inc. 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 Professional Claims Bureau, Inc. 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 Professional Claims Bureau, Inc. 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," Professional Claims Bureau, Inc. 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 Professional Claims Bureau, Inc. 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 Professional Claims Bureau, Inc.
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 Professional Claims Bureau, Inc. 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.
Professional Claims Bureau, Inc. — Frequently Asked Questions
Is Professional Claims Bureau, Inc. a scam or a legitimate company?
Professional Claims Bureau, Inc. is a real, registered third-party collection agency headquartered in Garden City, NY. 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 Professional Claims Bureau, Inc., so always demand written validation before paying anything.
Why is Professional Claims Bureau, Inc. on my credit report?
The Garden City-based third-party collection agency Professional Claims Bureau, Inc. is documented in the CFPB's public Consumer Complaint Database, which confirms it is an operating collector and gives you a federal regulator to escalate to if a dispute is not resolved. It most commonly collects medical and healthcare bills, consumer accounts. It likely appeared after an original account went unpaid and was placed with them for collection. Searching Professional Claims Bureau, Inc. in the CFPB Consumer Complaint Database returns 89 debt-collection complaints against the Garden City operation. Volume alone says nothing about whether your specific balance is accurate, but it does establish that this third-party collection agency is actively collecting and that consumers routinely escalate disputes about it to a federal regulator — an option that stays open to you.
Can Professional Claims Bureau, Inc. be removed from my credit report?
Yes — inaccurate, unverifiable, or improperly reported Professional Claims Bureau, Inc. collection accounts can be removed. Under the FCRA, the credit bureaus must investigate your dispute, and if Professional Claims Bureau, Inc. 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 Professional Claims Bureau, Inc. 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 Professional Claims Bureau, Inc..
How long can Professional Claims Bureau, Inc. 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 Professional Claims Bureau, Inc. acquired or began collecting it. If the account is being "re-aged" to look newer, that is a reporting violation you can dispute.
Will Professional Claims Bureau, Inc. 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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