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.
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!
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.
American Credit Bureau Complaints
📋 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!”
FAQs
What is American Credit Bureau and why are they calling me?
American Credit Bureau is a third‑party debt collection agency that contacts consumers about overdue debts they believe you owe.
Can American Credit Bureau call me at any time of day?
No. Under the FDCPA, collectors cannot call before 8 AM or after 9 PM, or at any time you’ve specified as inconvenient.
How many times can they call me before it becomes harassment?
They are presumed to be violating the law if they make more than seven phone calls about the same debt within seven days, or call within seven days after a conversation.
What qualifies as harassment by American Credit Bureau?
Repetitive or excessive calls intended to annoy or abuse you, use of obscene language or threats, or publishing your personal information publicly.
Can I request American Credit Bureau to stop calling me?
Yes. You can send a written cease‑and‑desist letter or request they stop calling; once received, they must halt further phone contact except to confirm no further contact or to inform legal action.
How do I verify the debt they claim I owe?
Within five days of first contact, they must send a validation notice with the amount of the debt, the creditor’s name, and how to dispute it.
What should I do if American Credit Bureau continues harassment?
Document all calls (dates, times, content), send a cease‑and‑desist letter, and file complaints with the CFPB, FTC, state attorney general, and consider legal action.
Can I sue them for phone harassment?
Yes. Under the FDCPA, you can sue for up to $1,000 in statutory damages plus actual damages, and the collector may also pay your attorney fees.
Can they report this debt to credit bureaus?
Yes, they can report delinquent debts to credit bureaus, which can harm your credit score. You can dispute inaccuracies with the bureaus.
How do I report illegal calls from American Credit Bureau?
You can report them to the (CFPB), Federal Trade Commission (FTC), Federal Communications Commission (FCC), and your state attorney general.
