I have a CA that is using the words "credit bureau" in their name. I tripped across this FTC opinion letter: http://www.ftc.gov/os/statutes/fdcpa/letters/dankowski.htm Section 807(16) of the FDCPA, 15 U.S.C. Â§ 1692e(16), prohibits "debt collectors," from falsely representing or implying that they operate or are employed by a "consumer reporting agency," as that term is defined by section 603(f) of the Fair Credit Reporting Act, 15 U.S.C. Â§ 1681a(f). I did a BBB search in my county and I discovered 9 companies using those words. Chances are a LOT of CA's are in violation so keep that in mind . There are other variations, read the opinion letter.