American Credit Bureau, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
11/07/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA XXXXX	Web
I am a consumer who has been damaged and violated by a 3rd party debt collector named American Credit Bureau Inc. This debt collector has, by their own admission, engaged in MAIL FRAUD for the past 3 years trying to ILLEGALLY collect on an alleged MEDICAL debt from me that is 3 years past the STATUE OF LIMITATIONS. They ILLEGALLY reported negative information to my consumer report without my prior consent in an attempt to collect on this alleged debt. I initially filed a complaint on the CFB website ( CFPB COMPLAINT # XXXX ) for them to investigate their claim. They only updated the information on my consumer report. I later filed a complaint on the XXXX XXXX XXXX XXXXXXXX website ( XXXX COMPLAINT # XXXX ), in which initiated a dialog between myself and American Credit Bureau. In our correspondence ( screenshots included ) they denied any wrongdoing even tho I pointed it out to them. When I investigated the information that they gave me during our conversation, it revealed that this company has been ILLEGALLY trying to collect an alleged MEDICAL debt from me under false pretenses, in which in MAIL FRAUD. I sent this company a letter, which they received on XXXX ( XXXX XXXX XXXX XXXX ) of my findings and they immediately deleted the account from my consumer report and sent tit back to the original creditor ( scan of letter included ). By that time, the damage has been done to my consumer report for the past 3 years causing my credit score to be inaccurate in which caused mental anguish, housing difficulty, and lack of credit worthiness. I sent AMERICAN CREDIT BUREAU Inc. another letter, which they received on XXXX ( CERTIFIED MAILER # XXXX ) to put them on notice of my damages ( {$5000.00} ), in which they did not respond. I sent them a last correspondence, which they received on XXXX ( CERTIFIED MAILER # XXXX ) to give them a final opportunity to remedy this issue along with an updated amount due to me by their blatant lack of due diligence and personal damages due to me by law based off their violations ( {$5000.00} ) and the amount of time that this company has damaged my consumer report and caused me personal damage ( 3 years ) ( total {$15000.00} ) ( letter included ). I am filing this complaint in full honor in an effort to resolve this matter with this company.
09/21/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30269	Web
On XX/XX/2020, I had an appointment for a crown replacement that had cracked and was giving me pain. XXXX XXXX XXXX barely introduced himself before he jabbed me with a needle with no pre-numbing swab. He drilled out what he said was " decay under the crown '' and put in a new crown made in the office. No one adjusted the new crown before they sent me on my way to make an appointment to have it adjusted the following week. THAT IS NOT NORMAL PROTOCOL!!! Everything was very rushed and my anxiety was through the roof because it cost me {$1500.00} on the spot. I was offered no options for payments ( even though his site says they use XXXX XXXX XXXX ) except to pay it all at once right then and there. No estimate, no pre-approval with insurance, no nothing beforehand! After about XXXX hours of the visit, I had TREMENDOUS pain with this new crown... this was NOT my first replacement crown so I knew something was very wrong. I paid out of pocket for XXXX and XXXX dentists ' opinions and was shown the x-rays with decay XXXX didn't fully remove before putting on the new crown. As a result of XXXX 's rushed/shoddy work, I was told by those XXXX dentists ( XXXX opinions I paid for out of pocket ) that the tooth had to be extracted. Having it pulled was traumatic and cost me {$560.00} out of pocket and now I have no molar/crown at all! The only resolution I have is to replace the tooth. I received an estimate from a reputable dentist who said it would be approximately $ XXXX to replace this tooth!! So I contacted my bank ( XXXX ) to dispute the XXXX charge and based on my physical evidence and XXXX second opinions in writing and x-ray photos, they rescinded the charge. Thats great, except I have no molar/tooth there FOREVER and paid over {$560.00} for the tooth extraction, and an additional {$680.00} for second and third opinions/exams and x-rays. Then A YEAR LATER, this " zoology-degreed dentist '' placed the amount ( but made the amount {$1400.00} to keep me from utilizing small claims court ) into collections on ALL THREE of my credit reports WITHOUT A WARNING IN ANY FORM OF COMMUNICATION. I have been fighting with all three credit companies ever since.
05/29/2017	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	GA 30030	Web	Older American
I had a large XXXX service bill from XXXX XXXX XXXX XXXX office after finding out that she was not a network doctor and she is not a XXXX provider. Once I had paid off another medical bill I sent an letter with a {$50.00} check, stating I could not pay in full but would send payments as I could. The office turned the account over to a American Credit Bureau, Inc.collection agency. In mid XXXX 2017 , I began receiving calls from a XXXX XXXX 's @ XXXX or XXXX ext. XXXX . I Had noted this number on telephone up to ten times in one day w ithout a message so I assumed it be telemarketers. Home recuperating from some procedures, I answered the telephone and spoke to this XXXX XXXX 's about the account, and informed about the letter and check to XXXX XXXX 's office and that a I did not have that amount to pay off and was on XXXX . He became calling back several time with discounts to present, non that I could meet or commit to.I became unavailable due to severe illness. Rather than leave a message he unknowingly obtained through some source a neighbors phone number and called her stating it was a urgent call for me. This neighbor bought me the note quite upset as to how this guy got her number and questioned if I had given it to him, I informed her no. When I felt better I called his office and informed him he had crossed the line and do not call again and that I would file a complaint to find out what I could do. Seniors are very private people and non-trusting, I was so embarrassed and upset it has delayed my recovery. I also feel this is a harassment issue
06/30/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 44256	Web
I am in the process of building a new home. My lender discovered this debt from a previous XXXX on my account with a collection. I do not owe this money, but I paid it anyway to clear it from my credit report. I contacted the collection company on X/XX/2017. Almost immediately I received notification from the XXXX office stating the collection agency contacted them and I can call their office for payment. I contacted the XXXX office that day and made payment over the phone. I then notified the XXXX office and the collection agency that my lender needs a letter from the collection agency ( since they are the now owners of the account ) stating my name, account number, balance owed, with their name address on their letterhead. I have requested this everyday since then, and they even refuse to respond to my request. They have just ignored me. I even contacted the dentist office back and have asked if they could help, and they ignore their request as well. No correspondence from them what so ever. This is potentially costing me several thousand dollars in possible interest rate hikes, delay in breaking ground. I feel I have been patient enough for a bill I did n't even owe in the first place. They responded immediate when I wanted to pay my bill, and now will not even respond to me or their client. I have done what I am supposed to do and this bill of {$260.00} is costing me thousands because of their disregard. Please help. Thank you.
10/15/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CO 80205	Web
I was initially contacted by American Credit Bureau on XX/XX/2018. I responded the debt was fully paid to the dental office, erroneous charges should be removed, show why my personal XXXX payments from my XXXX spending account are not included on the billing and to provide license information and if the XXXX XXXX is licensed to conduct business in Colorado in writing. I received a response again on XX/XX/2018 demanding payment from the collection agency and no entity information. Also, again no personal payment info provided on the copy of the billing statement provided. Again, on XX/XX/2018 I received a payment demand letter. The billing statement was adjusted for items I requested be removed. And the billing clerk admits that they no longer use the billing management company during the time of my dental service. I am requesting the collection agency cease and desist contacting me until the foreign entity information is provided to me in writing and the dental office provide the correct billing to include my XXXX XXXX account statements because the copies of the billing statements are incorrect and incomplete.
02/03/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 145XX	Web
I obtained veterinary services from XXXX on XX/XX/XXXX at time of service I gave my credit card as payment. Was given a receipt showing the bill paid. I received a notice from XXXX stating that I owed them money for services received that day. I figured it was a mistake and ignored notice. I then received notice from a debt collection agency called American Credit for XXXX threading to put negative information on my credit report. I called XXXX and they do not know why the payment was not processed, but according to them it was not ever processed. I looked through my records but did not see payment going through but have since changed banks and do not know if it was processed. I offered to make payment as I do not want my credit ruined. XXXX would not accept my payment as they stated it had gone to collections on XX/XX/XXXX and I could only make payment to American Credit at XXXX what added a fee to the bill. At this point I am not sure what to do and I feel like I am being scammed. How can a company give you a receipt at time of payment and then say Oh sorry did not process it correctly and you owe us the amount.
06/14/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33186	Web	Servicemember
I went to this urgent care due to XXXX , I have insurance that pays for visits. I was seen by a Nurse because the doctor was seeing a patient who apparently was in a worst case scenario. Due to the diagnostic given by the nurse without taking x ray or any other precaution he determined that due to the fact that I was there before with XXXX he was going to diagnose me with XXXX . I left the urgent care and called my insurance and informed them that I was not seen by a doctor but by a Nurse. When I was billed I called the company and they agreed that the charges were going to be removed because I was not seen by a doctor, plus I had medical insurance that paid for my visit. I should not pay for a doctor that I never saw, plus the insurance will pay for any charges I have PPO. Now I see these charges in my credit report after ( 5 ) years.
11/17/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 32129	Web
The doctors office charged me for procedures that were paid for that were done by specialists. XXXX paid them and another office for same procedure. also took my co pay in cash stated they would email receipt. I contacted XXXX legal department on this office and also XXXX XXXX. I also contacted there billing office for XXXX XXXX XXXX. They continue to be rude and ruin my credit. I stopped goinmg to them after wrong medication and billing issues. This has been the 6 collection company that wont stop calling and threatens me. XXXX legal dept is working on this care. Iam XXXX with XXXX XXXX and other XXXX and am ununable to get financing for procedures that will save my quality of life cause of this collection opn my credit bureau and the time it has taken for XXXX to fix it.
06/23/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	AL 35244	Web
Followup to XXXX, XXXX XXXX XXXX, in which creditor never responded. Not only were there charges for procedures I never received on this bogus bill, patient and insurance plan combined had to pay over {$7000.00} to have corrected serious mistakes this dentist made and refused to correct : a XXXX job that lasted only several months in which he refused to repair and stated that " I 'm lucky it lasted this long because XXXX only lasts a year '' ( not true ) where another dentist had to correct for a total of {$1800.00} ; XXXX that caused XXXX where another dentist had to repair for a total cost of {$1100.00} ; and never XXXX that another dentist XXXX corrected for over {$4000.00}. Now, he has the nerve to try to collect additional monies of {$1300.00}.
12/02/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33167	Web
This kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
03/02/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 76522	Web	Servicemember
This is in reference to debt with American Credit Bureau account number XXXX collection was opened on XX/XX/2020 for {$600.00}. This debt was originally with XXXX XXXX XXXX who initially failed to provide me an emailed invoice of charges as requested. I initially had dental work which was told that I was able to get because insurance covered it and allowed the number of cleanings done to my teeth. These charges need to be investigated and an invoice needs to be provided to me so I can proceed with verifying these charges as legit charges. I wasnt given enough time to dispute the charges as they appeared onto my credit report immediately. I was also affected by COVID-19 when this was added into report.
02/22/2018	Yes	Debt collection Medical debt	False statements or representation Indicated you were committing crime by not paying debt	TX 75180	Web	Servicemember
After noticing the debt on my credit report, I sent a Debt validation letter to American Credit Bureau. A request was made pursuant to 15 USC 1692g Sec. 809 ( 6 ) of the FDCPA. As stated in the law, America Credit Bureau did not cease collection activities, in fact, they continued reporting to the credit bureau. To date, I have not received a letter or phone call from the AMERICAN CREDIT BUREAU or any attempts by the debt collector to validate the debt they believe I owe. It has been more than 7 years since they placed the debt on my credit report and More than 1 month since I requested validation. The original date of this debt has exceeded the 7 years old time frame to collect.
10/12/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	AL 35613	Web
The debt of {$100.00} was paid in full to the dentist that issued the collection. Once I saw that it was a {$0.00} balance reporting on my credit report, the collection agency said if I would 've paid it with them, I could 've had it deleted from my credit report, but since I paid it in full with the medical company, I could n't remove it. I contacted the dentist and they said that their policy is once paid, it will be deleted. The debt was paid and has a {$0.00} balance and I would like it removed from my credit report. Once I contacted the dentist they confirmed that it should be removed and they would be calling the collection agency as well.
01/31/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33175	Web
on XX/XX/2018 i contacted american credit bureau, for a debt that was reported on my credit report. I sent them a letter saying that i was disputing the account. I never received a letter stating anything from this company. On XX/XX/2018, i sent out another dispute stating that they never verified the debt or sent any information and have failed to comply with the laws of the fcra for not sending me verification of any debt obtained with that company. I have been patient, but this is affecting my life and I want to get this resolved the proper and easiest way.
04/17/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30314	Web
I mailed several Debt Validation/Verification letters on XXXX and XXXX to american credit bureau inc for a debt in the amount of {$650.00}. I sent these letters with proof from the post office to verify receipt and still have not received a response and/or the documents requested. I have complied with all credit reporting laws and have given them the appropriate time by law for them to respond.They have failed to comply with the laws of the FCRA for not sending me Validation/verification of the debt. I would like for them to delete from all credit bureaus.
03/27/2020	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted your employer	FL XXXXX	Web
The company called several times, including twice to my office, leaving messages with various employees, including our sales staff. I spoke with the collection on XX/XX/2020 and told them at that time I was not permitted to take personal calls at my office, especially messages to random employees. Since their name has Collections right in it, its not difficult for them to figure out what the call is about. They have since contacted my office again, after warning that this is expressly not permitted in our policy.
10/13/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 30269	Web
Debt collector said they mailed a XXXX to me regarding money owed for XXXX services that was paid by my XXXX. I never received a letter. If I had, I would have definitely disputed it. They have only stated the date the letter was mailed, but have not shown any proof of such a letter. They are asking for an amount that is incorrect. The amount should be XXXX. They lowered the amount to XXXX to keep it out of court proceedings on my end.
06/29/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33445	Web
I sent letter to debt collector/creditor to verify debt I received no response and/or documents. I mailed letter on XX/XX/2016 and have proof from post office verifying this. I have complied with all credit reporting laws and have given the appropriate time to respond and would like this matter resolved and deleted from all credit bureaus.
01/30/2024	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 94577	Web
I went to XXXX in XXXX for a root canal procedure. I had dental insurance. They billed me for my portion and I paid to receive the service. XXXX is putting me on collection for portion that they anticipated to collect from my dental insurance. This debt is not mine. I paid what they billed me to receive the service at the time of service.
02/24/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	XXXXX	Web
There is a claim listed on my credit report that I do n't recognize. I have never received any communication regarding this claim. I can not get through to the credit collection agency listed. I 'd like to know what it is and will pay it if its legitimate or I 'd like it removed from my credit.
05/05/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32837	Web
Hi my XXXX XXXX XXXX XXXX with all my name XXXX last name on my passport and SOCIAL SECURITY, some people have the las name and name but with no my XXXX And some collection report to my Credit report so please I need you us held with this please on soon posible
06/29/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33445	Web
I sent a letter to collection/creditor to verify debt and never received a response. I sent my letter on XXXX XXXX and gave the allowed time by law to verify and send documents. I have proof that I sent at post office and no response was given.
12/24/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH XXXXX	Web
Sent a letter all 3credit bureaus for the credit collection agency, American credit bureau to validate that i owe this debt and the collection agency sent letter with black marker scribbled on it. I feel this is a HIPPA violation.
04/13/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	AL 35244	Web
American Credit Bureau , Inc. did not contact consumer about this bogus debt before it was placed on my credit reports. XXXX has verified this bogus account several times. This account is paid in full.
09/24/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL XXXXX	Web
This amount is XXXX dollars is not mine and Im have for about 2 years and they used different XXXX agency with ilegal process please si need they delete from my credit soon posible
06/27/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL XXXXX	Web
I've written a letter to dispute this several times to XXXX and XXXX has yet to validate this debt from American Credit Bureau in the amount of {$260.00} from 5 years ago.
09/24/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32837	Web
Is not mine account because they have with my different last name XXXX XXXX and they have XXXX XXXX
03/13/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33069	Web
FRAUDULENT ACCOUNT FROM AMERICAN CREDIT BUREAU
12/15/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33056	Web

11/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33169	Web

06/18/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32832	Web

05/23/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77304	Web

11/29/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 28732	Web

11/28/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28385	Web

04/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92057	Web

04/05/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27610	Web

10/06/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33478	Web	Servicemember

02/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32819	Web

01/28/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33881	Web

01/12/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33493	Web

12/04/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33430	Web

10/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 92821	Web

06/24/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt		Postal mail

06/06/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33484	Web

05/26/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 77449	Web

08/16/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CT 06460	Web

01/22/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78723	Web

08/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 33062	Web

08/03/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33064	Phone

02/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 89031	Web	Servicemember

09/28/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33173	Web

07/04/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33184	Web

06/16/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 07014	Postal mail

01/14/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	MD 21239	Web

10/03/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NY 10029	Referral

04/23/2016	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	FL 33034	Web

02/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 76102	Referral

01/24/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	XXXXX	Web

11/30/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 14127	Postal mail	Older American

10/21/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	PA 15090	Web

08/13/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 34741	Web

05/05/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MD 21208	Web

10/28/2014	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	FL 33024	Web

10/07/2014	Yes	Debt collection Medical	Improper contact or sharing of info Contacted employer after asked not to	FL 33024	Web

10/04/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Attempted to/Collected exempt funds	CA 95126	Web

10/03/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 34990	Web

08/18/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 60051	Web

08/15/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 33012	Phone