American Credit Bureau Phone Harassment❓
Is American Credit Bureau (ACB) calling you? Stop American Credit Bureau phone harassment. Do they threaten to take legal action or garnish your wages? Are they calling you at all hours or several times a day? Are they telling your family and neighbors that you owe a debt? If so what they are doing is illegal and needs to stop. You have the legal right to stop ACB phone harassment. If a collection agency violates the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees.
Introduction to Credit Bureaus
Credit bureaus, such as Equifax, Experian, and TransUnion, play a crucial role in the financial industry by collecting and maintaining information about consumers’ credit history. This information is used to generate credit reports, which are essential for lenders to assess an individual’s creditworthiness. As an American Credit Bureau Inc. member, you can leverage the power of credit bureaus to collect past due balances better and faster, without paying collection agencies 35-50% of the collected amount. By utilizing the resources of these credit bureaus, you can streamline your debt collection process and improve your financial outcomes.
Understanding Credit Reports
A credit report is a document that lists a history of an individual’s finances, including credit accounts, payment history, public records, and inquiries. Credit reports are used by lenders and other organizations to evaluate an individual’s creditworthiness and determine the likelihood of repaying debts. By understanding credit reports, you can better navigate the credit system and make informed decisions about your financial situation. For instance, you can use credit reports to identify errors or inaccuracies in your credit history, which can have significant and costly negative consequences, such as higher interest rates on loans, difficulty renting an apartment, or trouble obtaining utility services, including gas, electric, and phone.
Is American Credit Bureau a Scam❓
According to the Better Business Bureau website, American Credit Bureau has been in business for 16 years. There have been 6 complaints filed against ACB with the BBB.
Who is American Credit Bureau Inc❓
American Credit Bureau is a third-party debt collector located in Boca Raton, Florida. ACB has been a party to a Federal Court case over 25 times. They have been accused of violating consumer’s rights and illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer. Prove it suddenly, and you may see a swift change in the debtor’s behavior.
🏛️ American Credit Bureau Address: 1200 N. Federal Hwy., # 200 Boca Raton, FL 33432
📞 Phone: (561) 750-9422
They have been accused of violating consumer’s rights, which can significantly impact a customer’s credit report and their financial standing. Additionally, their harassing communication tactics are often used when a debtor refuses to pay. Reporting such debtors to major credit bureaus can motivate them to settle their debts promptly. They also use these tactics to blemish a customer’s credit, enforcing repayments. By leveraging permanent credit reports from Equifax, they strengthen their collection efforts. Utilizing credit reports from Equifax, Experian, and TransUnion, they enhance their ability to collect debts. They emphasize their capability to report and can prove the impact on a debtor’s credit. This can lead to substantial consequences for debtors, creating a sense of urgency to pay.
American Credit Bureau Collection Tactics
If American Credit Bureau engages in any of the following tactics, you may have a case:
- 🚫 Using profanity or abusive language
- ⏰ Calling you before 8:00 a.m. or after 9:00 p.m.
- 📞 Calling you multiple times per week
- 🗣️ Talking to others about your debt
- 🏢 Calling your workplace
- ⚖️ Threatening to sue you, harm you, destroy your credit, or use illegal tactics to extract payments
- ❌ Telling you or anyone else that you’ve committed a crime
- 🔁 Calling repeatedly for the wrong person
- 📜 Failing to notify you of your right to dispute the debt
- 💰 Trying to collect more than legally allowed
American Credit Bureau Phone Numbers
📲 Are you receiving any harassing phone calls from any of the following numbers?
- 561-750-9422
- 800-761-7702
- 561-734-3999
- (561) 750-9422
- (800) 761-7702
- (561) 734-3999
- 5617509422
- 8007617702
- 5617343999
If the answer is yes, then you are receiving calls from a known ACB number. You may be a victim of ACB phone harassment. The list above is not all the numbers that ACB uses. The calls can be from different numbers and it still be American Credit Bureau calling you. Contact our office right away so we can start the process to stop ACB from calling you illegally. Above all, no one should live with harassment!
Benefits of Using Credit Bureaus
Using credit bureaus can have numerous benefits for businesses and individuals. By reporting debtors to credit bureaus, you can instantly boost your collection rate and reduce the risk of bad debt. Credit bureaus provide a powerful tool for collecting past due balances, and their reports can be used to prove debt and motivate debtors to pay. Additionally, credit bureaus can help you identify potential credit risks and make informed decisions about lending and credit. With the help of credit bureaus, you can improve your billing and collection departments, reduce the need for conventional collection agencies, and increase your cash flow.
Consumer Rights and Credit Bureaus
Consumers have certain rights when it comes to credit bureaus and credit reports. The Fair Credit Reporting Act (FCRA) regulates the collection, use, and disclosure of consumer credit information and provides consumers with the right to request a free copy of their credit report from each of the three nationwide credit reporting companies once every 12 months. Consumers also have the right to dispute errors or inaccuracies in their credit reports and to sue credit reporting agencies for damages if they fail to comply with the law. By understanding their rights, consumers can take control of their credit and make informed decisions about their financial situation. Furthermore, consumers can use credit reports to monitor their credit history and detect potential identity theft, which can cause significant damage to their self-esteem and financial well-being.
Common Questions
Is ACB a scam❓
No, American Credit Bureau has been in business for 16 years.
Can ACB garnish my wages❓
Yes, ACB can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.
Can ACB sue me❓
Yes, ACB can sue you so long as the debt is within the statute of limitations.
Can ACB report my debt to the collection bureaus❓
Yes, Debt collectors are allowed to place the collection account on your credit report. They can report them as delinquent, which serves as a strong incentive for clients to settle their outstanding balances promptly.
Can ACB arrest me❓
Debt collectors don’t have the authority to have you arrested for a debt. However, if you violate a court order, e.g. an order to appear in court, the judge can issue a warrant for your arrest. Depending on the laws in your state, you may be arrested for certain debts like unpaid child support or traffic tickets.
📋 The following is a sample list of complaints filed against American Credit Bureau in the past and can be found on Pacer.gov.
- 3:09-cv-01782-B Conrad v.
- 4:11-cv-03947-SBA Reyes v.
- 5:14-cv-04659-HRL Monica v.
- 3:11-cv-00711-JCH Gonzalez. v.
- 0:06-cv-61803-MGC McKenna v.
About Us
Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop the American Credit Bureau harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
If you are interested in learning more about how to safeguard yourself and prevent harassment from American Credit Bureau. call us at (877)700-5790 for immediate assistance or visit our website.
Success Stories
- 🏆 “American Credit Bureau was reporting an old debt I didn’t even owe, and their collectors were ruthless. Consumer Rights Law Firm PLLC not only forced them to validate the debt (which they couldn’t) but also got the collection removed from my credit report. They were professional, responsive, and aggressive when needed. Highly recommend!”
- 🏆 “I was shocked at how fast Consumer Rights Law Firm PLLC got results. After months of harassment from American Credit Bureau’s collectors, the firm sent a strongly worded legal notice citing FDCPA violations. The calls stopped immediately, and the debt was dropped. If you’re being bullied by debt collectors, don’t wait—call these guys!”
- 🏆 “American Credit Bureau’s collectors crossed the line—threatening lawsuits they couldn’t file and calling my employer. Consumer Rights Law Firm PLLC took my case, documented every violation, and filed a lawsuit. We won, and I received a $5,000 settlement plus deletion of the debt. These lawyers know their stuff and fight hard for their clients!”
