Consumers

Columbia cares! This resource area has been designed with you in mind. We believe in great communication and information that helps bring down the barriers. We want to work with you!

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If you are receiving calls or messages not intended for yourself, please accept our apologies; contact to our office to advise us we have an incorrect phone number, will allow us to investigate the removal of said phone number. 

This can be reported by advising us of the phone number we are calling is incorrect. You can report a phone number by:

You can pay online using our secure portal, call us Toll-Free at (800) 807-3476 or locally at (503) 635-9885 to make a payment by phone, speak to a representative, or email cs@columbiacsi.com with your payment request. Be sure to include a phone number you can be reached at, as emails will not be responded to for these matters.

We want to help you. Contact our office, Toll-Free at (800) 807-3476 or locally at (503) 635-9885 to discuss your financial situation with our agents.  At Columbia Collection Service, our agents are the ambassadors for our clients as we work on behalf of them. Therefore, we want to understand your situation and see how we can best assist. Our intentions are to reach mutually agreeable terms for all parties when possible.

If you have an account you wish to dispute, you can submit to:

        • Call our office Toll-Free (800) 807-3476 or (503) 635-9885
        • Email our office: cs@columbiacsi.com
        • By way of US Mail, utilizing the PO Box address below;
          • Please provide the following facts surrounding a dispute:
            • State what the dispute is
            • Name of the person the dispute pertains to
            • Address where a dispute response could be issued
            • Account Number, if possible
            • Phone number to be reached at should an agent need additional information
            • Documentation surrounding the dispute, such as:
              • If the dispute is – “Balance was paid prior to being issued for collections”
                • Submitting details of the payment to include proof should expedite the investigation

The more information provided should assist us in researching the matter with the intention of a resolution for all, when possible.

Our mailing address is:
Columbia Collection Service, Inc.

PO Box 22709
Milwaukie, Oregon 97269

Credit is the ability to borrow money or access goods or services with an understanding a consumer will re-pay at the agreed later time. According to Equifax, lenders, merchants and service providers (known collectively as creditors) grant credit based on their confidence a consumer can be trusted to pay back what was borrowed. A person’s credit is based on several factors of their financial status and history including but not limited to:

  • Credit history
  • Payment history
  • The length of a person’s credit history
  • The number of accounts in use on a person’s credit history
  • Balances reporting on a person’s credit history

According to credit bureaus, a credit report is a summary of an individual’s credit history which is reported to the credit bureaus by lenders and creditors, and potentially other parties. A credit report typically contains some personal information to identify a person as well as information about their credit accounts like credit cards, mortgages, student loans, vehicle loans, possible accounts in collection, and could include bankruptcies and judgments to name a few. Credit reports can be used by lenders as a factor in determining a person’s creditworthiness.  Consumer credit reports are available from the three nationwide credit bureaus — Equifax, TransUnion and Experian.  If you have questions regarding information on a credit report; please contact the bureaus directly:

Equifax: (888) 766-0008
Experian: (888) 397-3742
TransUnion: (855) 681-3196

According to Equifax, a credit score is a three-digit number, typically between 300 and 850, which is designed to represent your credit risk, or the likelihood you will pay your bills on time. In general, a higher credit score represents a higher likelihood of responsible financial habits. Credit scores are one of many factors used by lenders when determining your likelihood of paying back a loan.

According to Equifax, the main factors involved in calculating a credit score are:

  • The number of accounts you have
  • The types of accounts you have
  • Your used credit vs. your available credit
  • The length of your credit history
  • Your payment history

If you look at your credit scores based on data from each of the three nationwide credit bureaus – Equifax, Experian, and TransUnion – you may see three different scores. This is completely normal. Your scores may not all be the same because not all creditors and lenders report to all three bureaus. Many creditors report to all three, but you may have an account with a creditor that only reports to one, two, or none.

According to the credit bureaus, a consumer is entitled to a free copy of their credit report every 12 months from each of the three nationwide credit bureaus — Equifax, Experian, and TransUnion by visiting annualcreditreport.com.

You should immediately contact your local police department to report the crime. The copy of your police report can accompany your dispute along with a copy of the front and back of your driver’s license, an address where a dispute response may be issued to, and a phone number for contact should an agent have more questions.  You can submit your dispute and police report by:

According to credit bureaus, sometimes a credit reporting could occur by incorrect information being reported to the credit bureaus. Sometimes, this can be incorrect information for someone else. Credit bureaus call this a “mixed file”, and it’s usually the result of a minor clerical error such as a Sr. and Jr. being mixed up. If incorrect information is being reported by our office, Columbia Collection Service, Inc. please contact the bureau incorrectly showing the information to dispute. In addition, please contact our office to report the matter by:

If the reporting is not from Columbia Collection Service, Inc. this should and can usually be resolved with a phone call to the credit reporting bureau directly. 

Their toll-free numbers are:
Equifax: (888) 766-0008
Experian: (888) 397-3742
TransUnion: (855) 681-3196

We WANT to hear from you!  If you have questions regarding an account, a letter received, or any matters regarding collections you can email us at cs@columbiacsi.com. Be sure to include a contact number so an agent can contact you.

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