USCB America on Your Credit Report? Fight Back and Win

Last Updated:
April 22, 2023

Few things are more frustrating than dealing with debt collectors, and when a collection agency like USCB America appears on your credit report, it can be hard to know where to turn.

This article will go over what USCB America is, and what actions to take if you have them listed on your credit report. It will also discuss certain measures you can use to protect yourself going forward against future collections activity.

What Does USCB America Do?

USCB America - a third-party collection agency based out of California - collects payments on behalf of creditors through various means. Creditors may sell their debts to the company at discounted rates or they may outsource their debt collection activities in exchange for a fee for their services or percentage of the collected amount.

USCB America and other debt collectors contact consumers who owe money and attempt to settle delinquent accounts by obtaining full repayment, making payment arrangements through installment plans or reaching other forms of settlement agreements. The company should provide documentation of the debt's legitimacy before the consumer agrees to enter a payment arrangement.

Is USCB America a Legit Company?

USCB America is a legitimate debt collector - they are legally licensed to collect debts in the state of California. Information about the company can be found below:

  • Phone Number: (877) 846-9531
  • Address: 355 S Grand Ave #3200 Los Angeles, CA 90071-1591
  • Website:
  • BBB Rating: 1/5 

USCB America may be allowed to collect on unpaid accounts, but their track record is far from stellar. With a dismal 1-star rating on the Better Business Bureau and hundreds of complaints filed there and with the Consumer Financial Protection Bureau, it’s clear that this company engages in questionable debt recovery practices.

If you’re dealing with USCB America, it’s best to arm yourself with knowledge of your rights or seek legal advice before engaging with them any further.

What Can I Do If I’m Being Harassed by USCB America?

If USCB America calls about a debt, understanding your rights under federal law will help you feel empowered and informed during the conversation. All collection agencies are required by law to treat you fairly and with respect.

They must clearly explain which debt they're calling about and they also cannot threaten or deceive you or use unfair practices in an attempt to collect money. Knowing your rights when it comes to collecting debt will help ensure compliance with legal regulations and your right to fair treatment. Here are some prohibited behaviors under federal law:

  • Debt collectors cannot use abusive or obscene language when communicating with a debtor.
  • Making false or misleading statements regarding the debtor's credit, the debt amount, or legal actions is prohibited.
  • Calling the debtor repeatedly or continuously with the intention of annoying or harassing the person is banned.
  • Debt collectors must not communicate with the debtor at inconvenient times or places, such as before 8:00 AM or after 9:00 PM.
  • Collectors cannot threaten to use violence, harm, or physical force against the debtor, debtor's property, or even their reputation.
  • Third-party disclosure, which involves revealing the debtor's personal information to unauthorized individuals, is not allowed.
  • Debt collectors cannot pretend to be law enforcement officers or misrepresent their affiliations or authority.
  • Collectors are prohibited from demanding or attempting to collect any amount that is not expressly authorized by the original debt agreement or permitted by law.

If you believe your rights as a consumer have been violated by USCB America, you should think about taking legal action. Building a successful case requires thorough documentation of any offenses that have occurred, and seeking professional legal guidance from an experienced attorney can prove invaluable.

While suing the company can be an intimidating prospect, it may be in your best interest to ensure justice and fair treatment from USCB America.

How Can I Get USCB America Removed from My Credit Report? 

Disputing a USCB America account on your credit report is a necessary action if you believe that the account is incorrect, fraudulent, or inaccurate. A collections account can have a significant negative impact on your credit score, hindering your ability to obtain loans, mortgages, or credit cards. To dispute a collections account, you need to take the following steps:

  • Obtain your credit reports from all three major credit bureaus: Equifax, Experian, and TransUnion. By law, you are entitled to one free credit report from each bureau every twelve months. Visit to obtain your free reports.
  • Review your credit reports to identify the collections account in question. Make sure to check all three reports, as the account may not appear consistently across all bureaus. Take note of any discrepancies or inaccurate information.
  • Gather any supporting documentation that proves the inaccuracy of the collections account. This can include payment records, account statements, or any communication with the original creditor. Having proof will strengthen your dispute and increase your chances of a successful resolution.
  • File your dispute with each credit bureau individually. Each bureau has its specific process for submitting disputes, which can be found on their respective websites. Be sure to provide a detailed explanation of why the account is incorrect, along with any supporting documentation.

Once you have submitted your dispute, the credit bureaus are required to investigate the issue within 30 days. They will contact the collections agency, which in this case is USCB America, to verify the accuracy of the account.

If the account is found to be inaccurate, the credit bureaus must correct or remove the information from your credit report. It is important to follow up with each credit bureau after the investigation to ensure that the necessary changes have been made to your report.

Contact Us For Your Free Case Review

Dealing with debt collectors on your own can be incredibly taxing. Instead of trying to fend them off yourself, it may be better to let the professionals handle it for you. 

At Fair Credit, our team has years of experience in handling consumer law cases and providing personalized advice tailored to each individual circumstance. By taking advantage of our free case review, you can get started down the path of gaining control over your financial future. Don't wait - reach out and connect with us today!

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