Central Fiscal Service on Your Credit Report? Fight Back and Win

Last Updated:
July 18, 2023

While everyday life is stressful enough on its own, the added pressure of dealing with creditors and debt collectors can often be overwhelming. Adding to that stress is the uncertainty of not knowing who your creditors and collectors are, or what options you have for dealing with them.

In this article, we'll talk about Central Fiscal Service - who they are and why they have a dodgy reputation, as well as provide information about how this company may impact your credit report and ways to get them removed from it. We'll also outline your rights under federal law so you’ll be able to make more informed decisions related to your financial future.

What Do Debt Collectors Do?

A debt collector is generally a company that attempts to collect payment on debts that are owed by a consumer on behalf of a creditor. Debt collectors use a range of communication strategies in order to resolve payment issues, such as sending payment notices, reminder letters and emails, and making phone calls.

When attempting to recover a debt, collectors are bound by law to conduct themselves professionally. Violation of federally established codes of conduct is grounds for suit against the collector.

Is Central Fiscal Service a Legit Company?

Unclear. Unlike other debt collectors we’ve covered, Central Fiscal Service is a relatively new operation - founded in just 2022 - and their status as a legitimate collector cannot easily be established, with multiple claims online that the company is a scam. Some information on CFS be found below:

  • Address: 811 Wilshire Blvd Fl 17 Los Angeles, CA 90017-2606
  • BBB Rating: 1/5 

Central Fiscal Services is currently under fire from consumers and consumer protection agencies alike, with the Better Business Bureau issuing an F-rating on the company and consumers leaving 1 star reviews online.

This concerning behavior includes claims of illegitimate debt collection being pursued by Central Fiscal Service, as well as alarming accusations of abuse, harassment and making threats against consumers.

As of 2023, all signs point to this company being a scam - with no active website or phone number listed online - but this still hasn't stopped them from reporting fraudulent accounts to credit bureaus.

What Can I Do If I’m Being Harassed by Central Fiscal Service?

When Central Fiscal Service calls you about a debt, it is crucial to educate yourself on your rights under federal law - especially taking into account that this company could very well be a scam. It’s in your best interest to take caution before interacting with them in any manner.

To be safe, never agree to any payments over the phone with the caller unless you have confirmed their identity and their legitimacy beforehand. This can help you protect your financial information and sensitive personal data from fraudulent debt collectors.

Here are some illegal behaviors this company may engage in that you should look out for:

  • Harassment or abuse, such as using threats, intimidation, or profane language toward the debtor.
  • Repeated and continuous phone calls with intent to annoy, abuse or harass any individual at the number called.
  • False representations, including misrepresenting the nature or status of the debt, or the identity of the collector.
  • Unfair practices, such as the collection of unauthorized fees or the solicitation of post-dated checks as collateral.
  • Contacting a consumer at inconvenient times or places, typically before 8 a.m. or after 9 p.m., unless given permission.
  • Communicating with third parties regarding the debt, such as friends, family, and employers, without the debtor's consent.
  • Failing to provide validation information on the debt within five days of initial communication, including the creditor's name and amount owed.
  • Threatening actions that are not legally allowed, such as arrest or seizure of assets without proper judicial authorization.

If you have had your consumer rights violated by CFS or are dealing with fraudulent debt, it might be time to consider filing a lawsuit. To ensure this process goes smoothly, it is important that you document any and all possible offenses that you can keep a record of.

Additionally, if you seek assistance from legal counsel make sure the attorney you choose has experience in protecting consumer rights; this will increase the likelihood of success in court. While suing can feel like a major escalation, sometimes it is necessary to protect your rights and financial well-being.

How Can I Get Central Fiscal Service Removed from My Credit Report? 

Disputing a collections account on your credit report is a crucial mechanism to ensure that your credit score and financial reputation is not adversely impacted by inaccurate or outdated information.

If you find a Central Fiscal Service account on your credit report that you believe to be incorrect or fraudulent, it is important to take the necessary steps to dispute it promptly. This process involves gathering evidence, contacting the credit bureaus, and following up with them to ensure the accurate reflection of your credit history. Here are some of the steps you can take when making a dispute:

  • Begin by obtaining a copy of your credit report from each of the three major credit bureaus. Review your reports thoroughly to identify any inaccuracies or discrepancies, making note of the relevant account numbers and details of each issue.
  • Gather any necessary documentation that supports your claim, such as receipts, account statements, and correspondence with the creditor or collection agency. Having this information readily available will significantly strengthen your dispute and help expedite the process.
  • Contact each of the three credit bureaus individually to dispute the erroneous information. You can do this online, by phone, or through the mail, but it's generally recommended to send your dispute via certified mail with a return receipt requested. This creates a paper trail and proof of your attempts to address the issue.
  • After filing your dispute, be sure to follow up with the credit bureaus at regular intervals to check the status of your claim. It may take up to 30 days for the investigation to be completed, but being proactive and persistent can help ensure that your dispute is handled efficiently and accurately.

If the credit bureaus determine that the disputed information is indeed incorrect, they will remove or amend it on your credit report. Keep in mind that it is your legal right under the Fair Credit Reporting Act (FCRA) to dispute any inaccuracies, fraudulent or outdated information on your credit report.

Ensuring that your credit report is accurate will help boost your credit score and improve your financial standing, allowing you to access a wider range of credit opportunities and better financial options in the future.

Contact Us For Your Free Case Review

No one likes having to deal with debt collection companies, and unfortunately, some of these companies can be predatory and take advantage of consumers. At, Fair Credit our aim is to be a reliable resource for clients who are struggling to manage their debt.

Our professional team of consumer law attorneys have the expertise necessary to safeguard your finances and prevent any further harm from predatory agencies like Central Fiscal Service. We also offer free initial assessments to determine the best course of action for your unique financial circumstances. Take control today - reach out to Fair Credit and put an end to dealing with debt collection companies forever.

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