Allstate Credit Bureau Inc. is a debt collection firm which appears to have received a large amount of complaints alleging violations of the Fair Debt Collection Practices Act. Find out who they are, why they might be calling, and how you can stop them.
Allstate Credit Bureau is a debt collection business based in Farmington Hills, Michigan. It appears as though there are a variety of different complaints against Allstate Credit Bureau alleging violations of the Fair Debt Collection Practices Act (FDCPA), including, failing to contact debtors and refusing to provide documentation of debt. If you have been contacted by this debt collector, make sure you understand your rights before taking action.
The harassing company pays our fees.
They’re legit. Allstate Credit Bureau has been in the collections business for 63 years. The company was originally started on January 1st, 1958 and opened its Better Business Bureau account on April 27th, 1971. Allstate Credit Bureau has not been accredited by the Better Business Bureau, and it has received an “F” rating from the BBB. Though the rating that the BBB gave this collections company is horrible, due to the company’s years in service, it is clear that this business is not a scam. Therefore, the debt which you may have been contacted about is real, and needs to be dealt with. Though it is necessary to resolve this discrepancy, it is still possible that Allstate Credit Bureau may be in violation of the FDCPA. While it is important that you do not ignore the need to resolve your alleged debt with Allstate Credit Bureau, as this could potentially harm your credit and ability to take out future loans, be wary of any suspicious activity where the company could potentially be violating the FDCPA.
According to the BBB website, “On 07/16/2019, BBB confirmed by telephone that All State Credit Bureau is currently still in business. Google search results list an old address and the company as permanently closed. This investigation was prompted by an increase in complaints, despite return mail from the business. In March 2019, company provided the State of Michigan’s LARA Corporations Division a different address in an Annual Report filing. BBB updated the company’s address on file based off of the LARA filing. As of 10/29/2019, BBB is awaiting a response to our request for confirmation of current business contact information & a response to unanswered complaints on file”. Because of this information that the BBB provides, it can be confirmed that All State Credit Bureau is still in business, though they are unresponsive to many complaints.
Lastly, in regard to the collection company’s size, the company has an employee base of 10 people and an annual revenue of $985,120 (according to manta.com). There is no information currently provided about the leadership of the company.
Allstate Credit Bureau does not currently have an active website. The only information provided on what type of collections that Allstate Credit Bureau deals with comes from Manta.com, which states that the company is categorized as a collections agency, except within real estate. Therefore, it is very important that as a consumer you confirm with the collections company about what debt is specifically owed and to whom, largely because Allstate Credit Bureau does not provide information on who they specifically collect for, or what area of collections they work within.
Inquiring as soon as possible is the smartest move to make, and if you feel as though this company has breached their FDCPA rights be sure to contact an attorney to help you file a lawsuit.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
There are a few reviews and complaints currently posted about Allstate Credit Bureau. On the BBB, Allstate Credit Bureau has received 12 complaints closed in the last 3 years and 4 complaints closed in the last 12 months. Allstate Credit Bureau has not responded to any of these complaints, and many of these complaint details are unavailable. Because of this lack of response, many consumers and complainants have become suspicious of Allstate Credit Bureau’s ethics within the collections business. In addition to this review on the BBB, Allstate Credit Bureau has received ten Google Reviews amounting to an overall 1.4 star review, four, 1 star reviews on WalletHub and three, 1 star reviews on Yelp. The collections company could have also been a part of more lawsuits, sanctions, and penalties. Take a look at the Public Access to Court Electronic Records (“PACER”) which reports all federal complaints within the U.S. federal system’s docket to find out.
Remember that it is illegal for Allstate Credit Bureau to make empty threats to sue you or garnish your wages. While it is not likely that a collections company will sue if they cannot verify your debt or you may not owe said debt, these companies can still summon debtors to court and garnish wages after a default judgement. If you find that Allstate Credit Bureau may have violated the FDCPA, the wisest course of action would be to hire legal aid. Contact an attorney preemptively to ensure the safety of your assets and rights. Lemberg Law has helped thousands of consumers fight back against these cases of fraudulent collection practices. Call us today to find out how we can help you resolve this issue.
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Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Absolutely. You can sue a debt collector. Here is a sample complaint:
A complainant received an alert from Experian that they had a change to their credit report. The complainant logged on only to find that Allstate had requested and “obtained a full credit report without authorization”. As a result, the complainant’s credit score was reduced by 2 points. The complainant is asking that this collections company contact the credit bureaus to delete this account immediately, as they received no notification of this account from the collections company. In addition to this issue, the complainant also claims that, “they inserted a collection on my report without contacting me”. The complainant claims that because they were not given the opportunity to resolve this issue that their credit score suffered another drop, this time in 55 points. In sum, the lack of communication from this collections agency has resulted in a 57 point decrease in their credit score. The complainant explains that if this debt turns out to be valid, they will make the payments, but they feels as though receiving no notification of said debt was a violation by Allstate Credit Bureau.
The Fair Debt Collection Practices Act protects citizens like you against the abuses and misconduct of collection agencies. If you find that you have become a victim of illegal collections practices, read up on your FDCPA rights listed on the Federal Trade Commission’s website under, “Debt Collection FAQs”. Do not forget that you also have additional rights other than those listed under the FDCPA. These supplementary rights include those enumerated in the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
Yes you are able to sue Allstate Credit Bureau, and if you feel as though your FDCPA rights have been breached, suing is the best course of resolution. In order to recover your damages and protect yourself as an individual, you should sue and utilize the Federal laws that protect citizens like you from these fraudulent practices. Award yourself the power to defend your rights and protect your assets. Individuals like you can recover damages of up to $1,000, plus attorney fees and court costs.
You may have a case, if…
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“After a few months of frustration with a debt collector, I eventually called Lemberg Law. It was among the best financial decisions I have ever made. Jody and her staff were comprehensive, useful, and above all else powerful. I highly recommend their services and thank them for their continual efforts.”
“I contacted Lemberg Law to assist me in a credit dispute. They were prompt, meticulous and helpful. I highly recommend them for settling creditor disputes. I am very thankful for their involvement and dedication to seeing my case through to a successful conclusion.”
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Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."
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