“MRS BPO” on a credit report, in a text or on caller ID usually means a debt collector is working an account in your name. MRS BPO, LLC is a New Jersey debt collector that collects accounts other companies place with it, so the name is rarely one you did business with. If the account is not yours, shows the wrong balance, or is older than the law allows, federal law lets you dispute it and, in some cases, sue over it.
What MRS BPO is and where it is based
MRS BPO, LLC says it was founded in 1991, and its website states that it “is a debt collector and information it obtains will be used for the purpose of debt collection.” In federal court filings it has described itself as a New Jersey limited liability company and a subsidiary of MRS Associates, Inc. New York City’s Department of Consumer and Worker Protection lists MRS BPO, L.L.C., doing business as MRS Associates, as a licensed debt collection agency. That is why both names appear on letters and in search results.
MRS BPO lists its headquarters as 402 Lippincott Drive, Marlton, NJ 08053. In a July 2026 court filing it stated that its office is there, not at 1930 Olney Avenue in Cherry Hill. Its state disclosures page lists branch offices in Taylor, Alabama, and Navi Mumbai, India (New York City’s license records show both), and license numbers for California, Nevada (NMLS #944131), North Carolina and New York City.
Who MRS BPO collects for
MRS BPO publishes no client list; its website refers only to “blue-chip clients.” Federal court filings name some creditors whose accounts it has handled:
- Affirm. In a 2026 case in New Jersey federal court, MRS BPO admitted in its answer that Affirm placed the plaintiff’s account with it for collection.
- Verizon. Complaints filed in California in 2024 and North Carolina in 2026 describe Verizon accounts sent to MRS BPO for collection.
- Charter Communications (Spectrum). Complaints filed in Florida in 2022 and Texas in 2023 describe MRS BPO collection accounts on Spectrum debts. See the Charter Communications page.
A complaint states what a consumer alleged; it is not a finding against any company. If you do not recognize an MRS BPO entry, look on the same report for an account with the original creditor.
How an MRS BPO collection shows on your credit report
Court filings that quote consumers’ credit files show MRS BPO entries listed under MRS BPO’s own name, such as “MRS BPO LLC” or “Mrs Bpo,” rather than under the original creditor’s name. Its privacy policy says it shares information with “credit reporting agencies, as permitted by law.”
Before a debt collector reports a debt to a credit reporting company, it must speak to you about the debt, or send you a letter or electronic message and wait a reasonable period, which the CFPB says is generally 14 days, for a notice that it could not be delivered (12 C.F.R. § 1006.30(a)(1)). An entry that appeared before MRS BPO ever reached you is worth raising in your dispute.
A collector reporting a collection account must also report the month and year the delinquency began, within 90 days (15 U.S.C. § 1681s-2(a)(5)). That date controls how long the entry can stay.
When an MRS BPO entry is wrong
An accurate collection that is yours can stay; the FCRA requires deletion only of information that is inaccurate, incomplete or unverifiable (15 U.S.C. § 1681i(a)(5)(A)). Look for these problems:
- An account that is not yours. The entry may come from identity theft or from another person’s file merged with yours. See a collection that is not yours, the mixed credit file page and the identity theft page.
- A balance that ignores what you paid. A company that regularly reports and learns its information is incomplete or inaccurate must promptly correct it with the bureaus (15 U.S.C. § 1681s-2(a)(2)).
- A paid account still shown as unpaid. The FTC notes that paying an old debt may not erase it from your credit history, but a paid account shown with a balance owed is inaccurate. See paid off but still on your credit report.
- A disputed debt not marked as disputed. If you dispute a debt with the company reporting it, it may not keep reporting the debt without noting that you dispute it (15 U.S.C. § 1681s-2(a)(3)).
- A delinquency date later than your real one. A later date makes an old debt look newer and can keep it on your report past its limit.
How to dispute an MRS BPO collection
Start with the credit bureau. Dispute the entry in writing with each bureau that shows it: Equifax, Experian or TransUnion. Name each error, say why it is wrong, enclose copies of your proof and keep copies. The bureau generally has 30 days to reinvestigate and must notify MRS BPO of your dispute within five business days (15 U.S.C. § 1681i(a)(1), (a)(2)). MRS BPO must then investigate, review what the bureau forwards, report back, and modify, delete or block anything inaccurate, incomplete or unverifiable (15 U.S.C. § 1681s-2(b)). The bureau dispute is what creates a furnisher duty you can enforce in court.
You can also dispute with MRS BPO directly. Regulation V requires a furnisher to investigate a dispute sent to the address it provides and to report the results within the same period a bureau has (12 C.F.R. § 1022.43). That rule gives you no right to sue, so send the bureau dispute too. MRS BPO asks that written correspondence go to 402 Lippincott Drive, Marlton, NJ 08053, and lists its phone as (888) 334-5677. If you also want the debt verified, a debt verification letter puts your dispute in writing.
If the account came from identity theft, send each bureau an identity theft report, proof of identity and a statement that the account is not yours; the bureau must block it within four business days and tell MRS BPO (15 U.S.C. § 1681c-2). An identity theft report sent to MRS BPO at the address it specifies for those reports bars it from reporting the account again unless it later learns the account is yours (§ 1681s-2(a)(6)(B)).
The seven-year limit on an MRS BPO collection
A collection account generally cannot be reported once it is more than seven years old (15 U.S.C. § 1681c(a)(4)). The seven years begin 180 days after the start of the delinquency that led to the collection (15 U.S.C. § 1681c(c)(1)). The clock is tied to that original missed payment, not to the date the account reached MRS BPO.
Compare the delinquency date on the MRS BPO entry with your records of the original account; a later date is a sign of re-aging. See removing collections from a credit report.
When an MRS BPO entry becomes a legal claim
If a bureau dispute did not fix the entry, these duties are at stake:
- The furnisher’s investigation (15 U.S.C. § 1681s-2(b)). MRS BPO must investigate a dispute the bureau forwards. The separate accuracy duty in § 1681s-2(a) is enforced by government agencies, not consumers (§ 1681s-2(c)).
- The bureau’s duties (15 U.S.C. §§ 1681e(b), 1681i). Each bureau must follow reasonable procedures to assure maximum possible accuracy and actually reinvestigate.
- The FDCPA (15 U.S.C. § 1692e(8)). A debt collector may not communicate credit information it knows or should know is false, including failing to communicate that a disputed debt is disputed.
The FCRA provides actual damages and attorney’s fees for a negligent violation (§ 1681o), and actual or statutory damages of $100 to $1,000, punitive damages and fees for a willful one (§ 1681n); suit must be filed by the earlier of two years after discovery or five years after the violation (§ 1681p). The FDCPA provides actual damages, additional damages of up to $1,000 for an individual and attorney’s fees (§ 1692k(a)), with a one-year deadline (§ 1692k(d)).
I handle these cases on contingency. Cases I have filed over collection accounts reported by other collectors, including collections that belonged to someone else and paid accounts still reported as owed, are on the cases I have filed. MRS BPO sits alongside Transworld Systems, I.C. System and the rest of the debt collectors directory, and the FCRA lawsuit page sets out what happens after a dispute fails.
Have your MRS BPO entry reviewed
Send me the report page showing the MRS BPO entry, any letter or text MRS BPO sent, and your dispute and its result, and I will tell you whether I see a claim. The FCRA attorney page covers how these cases work. Contact the firm to have your report reviewed.
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This page is about credit reporting accuracy. The Kim Law Firm is not affiliated with MRS BPO, LLC, MRS Associates, Inc., or any creditor named on this page, including Affirm, Verizon and Charter Communications (Spectrum), and this page is not a complaint about any of them. Court filings are cited for what the parties stated or alleged in them; nothing here is a finding by any court against any company. The page describes how collection accounts can appear on credit reports and the rights consumers have when an entry is wrong.