American Credit Bureau Inc. Collections Complaints?

We help consumers who have complaints about collection harassment.

Updated on Author: Sergei Lemberg

Updated on Author: Sergei Lemberg

American Credit Bureau Inc.

American 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.

What is American Credit Bureau Inc.?

American Credit Bureau Inc. is a debt collection business based in Boca Raton, Florida. It appears as though there are a variety of different complaints against American Credit Bureau Inc. alleging violations of the Fair Debt Collection Practices Act (FDCPA) such as illegitimately reporting debt and refusing to delete paid off accounts. If you have been contacted by this debt collector, make sure you understand your rights before taking action.

Have questions? Call us now at 475-277-1600 for a Free Case Evaluation.

Our services are absolutely FREE to you.

The harassing company pays our fees.

Is American Credit Bureau Inc. a scam?

They’re legit. American Credit Bureau Inc. has been in the collections business for multiple years. The company opened its Better Business Bureau account on September 28th, 2003. American Credit Bureau Inc. has not been accredited by the BBB, however it has received an “A+” rating from the BBB. Due to the company’s years in service and its outstanding rating from the BBB, 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 American Credit Bureau Inc. may be in violation of the FDCPA. While it is important that you do not ignore the need to resolve your alleged debt with American 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 collection company’s website, American Credit Bureau Inc. boasts that, “We’re so confident that you’ll see impressive results within the first sixty days of using our services that we make this promise: If you are not satisfied for any reason, you may cancel your membership and get a 100% refund of all monthly Membership fees paid. You can’t lose. You can only win”. It appears as though clients may be getting a great deal here whereas consumers and debtors are left in the dust. American Credit Bureau is also a part of ACA International, and claims that their business is in compliance with both the FDCPA, and the FCRA as well as all 50 state laws. The company additionally outlines their mission, explaining, “Our mission is to a) maximize collections in a professional, patient-friendly manner that protects the reputation and integrity of our clients, b) achieve success using tried and true strategies and technologies that are effective and ethical, and c) provide exceptional patient service by being accessible, attentive, and results-oriented”.  Many complaints feel as though this mission has not been achieved.

Lastly, the collections company has an employee base of 32 and an annual revenue of $6 million, according to The leadership of American Credit Bureau, according to the BBB, consists of Accounting Manager Jennifer Gonzalez and Client Services Manager Seth Smith-Williams.

Who does American Credit Bureau Inc. collect for?

American Credit Bureau does not explain who they specifically collect for or which area of collections they specialize in. However, their website lends readers information which suggests that American Credit Bureau collects largely on overdue medical bills. However, it is still very important that as a consumer you confirm with the collections company about what debt is specifically owed and to whom. 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.

How many complaints are there against American Credit Bureau Inc.?

There are a few reviews and complaints currently posted about American Credit Bureau. On the BBB, American Credit Bureau has received 2 complaints closed in the last 3 years. The BBB had no reviews posted for American Credit Bureau. American Credit Bureau has, however responded to these few complaints. With that being said, the frequency of said complaints and the similarity between issues still awards American Collection Services a less than glowing review.

In addition to theses reviews and complaints on the BBB, American Credit Bureau has also received one, 1 star review on both Google Reviews and Wallet Hub. 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.

Contact Information

Can American Credit Bureau Inc. Sue Me or Garnish My Wages?

Remember that it is illegal for American Credit Bureau to make empty threats to sue you or garnish your wages. A collections company will likely choose not to sue if they cannot verify your debt or you may not owe said debt. However, these companies can still summon debtors to court and garnish wages after a default judgement. If you find that American 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.

Get Free BBB A+ Attorney. Call 475-277-1600 NOW

Unlawful Debt Harassment? Learn the Law & Sue the Collector.

Can you help me file a No Fee Lawsuit against American Credit Bureau Inc.?

Absolutely. You can sue a debt collector. Here is a sample complaint:

A complainant explains that they would like, “the negative credit report from American Credit Bureau removed from all three credit reporting agencies immediately”. The complainant strongly feels as though this account needs to be removed because the bill (Carlson Ear Nose & Throat Tucson, AZ Amount due: $91.65), was, “paid in full on March 25th, 2019 and mailed it out on the same date”. The complainant also notes that, “the check was cashed on the 28th of March 2019”. Even after this debt was officially paid off, and the complainant was notified that the debt was paid, American Credit Bureau, Inc. still continues to send the complainant notices. These notices state that, “they have put this on the credit report with Equifax, Experian, and Trans Union”.

American Credit Bureau Inc. Calling You?

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).

Can I sue American Credit Bureau Inc. for harassment?

Yes you are able to sue American 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.

Want to Stop American Credit Bureau Inc. Debt Collection Harassment Now?

You may have a case, if…

  • You are receiving multiple calls per week from third party collection agencies.
  • You are receiving early morning or late night calls from debt collectors
  • You are receiving calls at work from a debt collection agency
  • Debt collectors are calling your family, friends, neighbors, or coworkers
  • Collectors are threatening you with violence, lawsuit, or arrest
  • A debt collector attempts to collect more than you owe
  • You are being threatened with negative credit reporting
  • A debt collector attempts to intimidate you
  • Criminal accusations are being made towards you
  • Use of obscene language during an attempt to collect
  • Automated robocalls are being made to your phone in an attempt to collect

What Our Clients are Saying

“Lemberg Law has consistently provided top notch advise, council and recommendations. They are the most professional and attentive practice I’ve worked with. Highly recommended.”

“Thank you and your staff for the exceptional work you did on my behalf in dealing with a debt collector. I’ve not experienced the level of professionalism, care, timeliness in follow-through, and financial compensation obtained through your firm.”

“Sergei is an amazing attorney. Everyone at his firm is courteous, attentive, responsive and professional. I cannot think of any complaints with any of my dealings with him or his firm.”

“I was extremely pleased with Lemberg Law’s dedication in settling my case. I found them to very knowledgeable on consumer law matters. Would definitely recommend them to people that may have problem concerning cases.”

Can You Help Me Delete American Credit Bureau from My Credit Report?

Yes, we love to assist you with your case. Call us today.

Share your story

Have you had a bad experience with this agency’s debt collectors? Sound off and share your experience with other visitors in the comment box below.

Sergei Lemberg

About the Author:

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."

See more posts from Sergei Lemberg

Leave a Reply or Comment

Write a comment below to share online. Or, instead you can to our legal team.

Please select your star rating.

Briefly describe your experience Briefly describe your experience

What’s your name? What’s your name?

What’s your phone number? Please enter a valid phone number

Want to know if you could sue? Get a free legal evaluation from Lemberg Law?

Get Your No-Obligation
Case Evaluation

Send a secure message to our legal team.

What’s your name? What’s your name?
What’s your email address? What’s your email address?
What’s your phone number? What’s your phone number?
Briefly describe the problem Briefly describe the problem
Confidentiality Guarantee: We keep your information completely confidential and will not send you spam or sell your information.
By submitting above, I agree to the privacy policy and terms and consent to be contacted by an agent via phone call or text message at the phone number(s) listed above, including wireless number(s).