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Business Profile

Credit Services

American Credit Bureau Inc.

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Credit Services.

Complaints

This profile includes complaints for American Credit Bureau Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see

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American Credit Bureau Inc. has 2 locations, listed below.

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    Customer Complaints Summary

    • 8 total complaints in the last 3 years.
    • 2 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:04/03/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I honestly dont get why AMERICAN CREDIT BUREAU is reporting this debt under my name because I dont owe them anything. I never signed anything with them, and when I asked for a copy of the original application, they didnt even bother to provide it. Its frustrating because this is hurting my credit for no reason, and its just not fair. How can they just put something on my report without any proof?Account No: 5389, 5734 Amount Disputed: $1,040, $828

      Business Response

      Date: 04/04/2025

      We are in receipt of the dispute submitted by the consumer and as the third party debt collector collecting on behalf of our client, we will request verification of the alleged debt from our client and forward the verification to the consumer's listed mailing address. If our client is not able to verify the debt, we will discontinue all collection efforts including credit reporting. Our client has up to 30 days to provide verification of this alleged debt.

    • Initial Complaint

      Date:08/23/2024

      Type:Order Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt with American Credit Bureau. I do not have a contract with this credit agency. they did not provide me with the original contract as requested.

      Business Response

      Date: 08/26/2024

      American Credit Bureau, *** is a third party debt-collection agency. As such, the consumer does not have a contract with American Credit Bureau, *** as we represent creditors in their attempts to collect debt owed to them. We will request documentation proving the consumer owes our client, the original creditor, and mail such documentation to the consumer at the address listed.

      Customer Answer

      Date: 08/26/2024

      I have requested multiple times and not received. This statement does not satisfy the complaint. Please do not close the complaint until information has been received. 

    • Initial Complaint

      Date:03/05/2024

      Type:Billing Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I revoked authorization for recurrent billing on my credit both by phone and in writing in Dec 2023 and again in Jan and Feb 2024. I requested invoices via email and the company agreed and stated the auto charge on my acccount had been removed. I have not received email invoices as requested and the company is still billing my credit card even though authorization to do so was recinded.

      Business Response

      Date: 03/07/2024

      All automatic charges have been stopped - the last charge was on 2/8/2024 for the previous month. The latest invoice has been emailed and invoices moving forward will also be emailed.

      Customer Answer

      Date: 03/07/2024

       
      Complaint: 21388270

      I am rejecting this response because: My credit card was billed in both Jan and Feb 2024 for those months invoices and in my email yesterday I received an Invoice for Feb 2024 (which was charged to my card on 02/14/2024) with a due date of 03/01/2024.

      Sincerely,

      *************************

      Business Response

      Date: 03/08/2024

      All automatic charges have been stopped. Future invoices will be emailed.

      Customer Answer

      Date: 03/09/2024

       
      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

      Sincerely,

      *************************

    • Initial Complaint

      Date:12/31/2023

      Type:Order Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt with ****** Orthodontist, I do not have a contract with American Credit Bureau, they did not provide me with the original contract as I requested.

      Business Response

      Date: 01/02/2024

      American Credit Bureau, **** had not received a request for verification of this debt from the consumer until receipt of this BBB complaint. At this time, American Credit Bureau, **** has paused our collection efforts and we are requesting verification of the debt from our client, the Original Credit Grantor, and will forward all documents provided to us by our client to the consumer's listed address. If our client is unable to provide the requested documents within 30 days of the consumer's request, we will close & return the debt to our client and remove all credit reporting of this alleged debt.

    • Initial Complaint

      Date:10/18/2023

      Type:Order Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I'm not liable with this debt with ****** on Ambulance, I d not have a contract with American Credit Bureau, they did not provide me with the original contract as i requested.

      Customer Answer

      Date: 10/09/2023

      I have not heard from the business in response to my complaint.

      Business Response

      Date: 10/26/2023

      We have notified the Original Credit Grantor of the consumer's dispute and are requiring documents validating the debt. Upon receipt, we will mail these documents to the consumer. If the Original Credit Grantor is not able to provide documents proving the validity of the consumer debt within 30 days of the consumer's dispute, we will close & return the alleged debt to the Original Credit Grantor and delete any reporting of this alleged debt from the consumer's credit report(s).

    • Initial Complaint

      Date:09/29/2023

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.AMERICAN CREDIT BUREAU (Original Creditor: TLC DENTAL ORTHODONTICS)ACCT #: 5560**BAL. $ ******** Under the Fair Credit Reporting Act, 15 U.S.C. ****g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

      Business Response

      Date: 10/02/2023

      American Credit Bureau, **** has suspended all collection activity on this alleged debt and is requesting the Original Creditor provide documentation requested by the consumer. Upon receipt, American Credit Bureau, **** will mail the documents to the consumer's provided mailing address. If the Original Creditor is unable to provide the requested documents within 30 days from the consumer's request, we will close the alleged debt as well as delete all references of the debt from the consumer's credit report(s).

    • Initial Complaint

      Date:02/09/2023

      Type:Billing Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt with ***************** and do not have a contract with American Credit Bureau, **** They have not provided me with the original application, like I asked. 1st violation; American Credit Bureau, **** is in violation of the *** vs ************************ court ruling of "debt parking" and practicing "passive debt collection" due to no prior notification of this debt prior to reporting it to my consumer report. 2nd violation; CFB Reported that "Starting in 2023, medical collections tradelines less than $500 will no longer be reported on consumer credit reports."3rd violation; American Credit Bureau, **** also violates 15 U.S.C. ****, section 602 A, which states that I have a right to privacy.15 U.S.C. ****s-2 (A)(1) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

      Business Response

      Date: 02/10/2023

      On 6/2/2017 American Credit Bureau, *** mailed this consumer a Validation Notice as prescribed by the Fair Debt Collection Practices Act (FDCPA). This letter was mailed to the consumer's currently listed mailing address and the letter was not returned to us, so it is assumed that the letter was delivered. Further, on 7/7/2017 and again on 7/27/2017 American Credit Bureau mailed the consumer further notifications of this debt which were also not returned to us. These notices were all mailed prior to listing the alleged debt on the consumer's credit report. We have since received notice of dispute of this debt from the consumer and have been reporting this debt disputed.

      Customer Answer

      Date: 02/10/2023

       
      Complaint: 19373318

      I am rejecting this response because:

      There has been no prior letter received the debt was being parked on my consumer report from 2017. Since then contact has been made with the company by certified mail asking for valid contract from this company and I *************************** agreeing to the stated amount. They have failed to comply or show validity. 

      Reporting of Medical Debt:  As of 2023 The three major credit bureaus (Equifax, Transunion, and Experian) have been ordered to institute a new policy to no longer include medical debt under a dollar threshold (the threshold will be at least $500) on credit reports. Such medical debts under that threshold will never be reported even if unpaid and even if in collection.

      The company is reporting this debt in my consumer report as medical. 
      without validation or evidence of agreement to this debt of any kind. This is a violation of FCRA, fraudulent and illegal means of volition. This needs to be removed immediately. 

      Sincerely,

      *************************

      Business Response

      Date: 02/14/2023

      American Credit Bureau, *** does not park debt and we keep detailed record of activity on our files. On 6/2/2017 American Credit Bureau, *** mailed this consumer a Validation Notice as prescribed by the Fair Debt Collection Practices Act (FDCPA). This letter was mailed to the consumer's currently listed mailing address and the letter was not returned to us, so it is assumed that the letter was delivered. Further, on 7/7/2017 and again on 7/27/2017 American Credit Bureau mailed the consumer further notifications of this debt which were also not returned to us. These notices were all mailed prior to listing the alleged debt on the consumer's credit report. We have since received notice of dispute of this debt from the consumer and have been reporting this debt disputed.
      The consumer can request information from the Credit Bureaus on their practices regarding medical debt reporting and the timing of any changes they are making.

      Customer Answer

      Date: 02/14/2023

       
      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and will be contacting the **** and the credit bureaus in regards to this account.

      Sincerely,

      *************************

    • Initial Complaint

      Date:07/15/2022

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      American Credit Bureau Inc. has illegally placed a collection on my consumer reports, violating my consumer rights. In accordance with The Fair Debt Reporting Act they have violated my rights 15 U.S.C **** Section 602 A. States I have the right to privacy. 15 U.S.C **** Section 604 A Section 2. It also states that a consumer reporting agency cannot furnish a account without my written instructions....I have not given any such permission or instructions. 15 U.S.C **** Section 602 A. States I have the right to privacy.

      Business Response

      Date: 07/18/2022

      On 9/20/2016 American Credit Bureau, *** mailed the consumer notification of the alleged debt and also gave the consumer the option to dispute the alleged debt or any portion thereof within 30 days of receipt of the 9/20/2016 letter. No dispute was received from the consumer within that timeframe, therefore American Credit Bureau, *** continued with the collection efforts of the alleged debt including reporting the item to the consumers credit report. We see that no such violation has occurred as the consumer is claiming.

      Customer Answer

      Date: 07/18/2022

       
      Complaint: 17573169

      I am rejecting this response because: I received no notice nor any opt-out disclosures to inform me of an alleged MEDICAL collection. If this company is legally authorized to collect such alleged debt, please provide the contract with my signature to prove that I owe you or that you are authorized to collect on this alleged debt.

      Sincerely,

      *************************

      Business Response

      Date: 07/21/2022

      American Credit Bureau, *** is a licensed third party debt collection company. As such, consumers do not contract with us as they do not receive services directly from us (third party), rather they received services from our clients (first party) who then contract with us to collect the alleged delinquency on their behalf. We have been contracted to collect debt on behalf of this client since 8/26/2008 - we will not be releasing that contract as it is a proprietary work product and we are unaware of any requirement to release confidential proprietary information. On 9/20/2016 American Credit Bureau, *** mailed the consumer notification of the alleged debt and also gave the consumer the option to dispute the alleged debt or any portion thereof within 30 days. This 9/20/2016 letter was not returned to us undeliverable (nor were the letters that we mailed to the consumer's same address on 10/25/2016, 11/15/2016 or 12/6/2016) therefore we assumed the consumer received our notice and proceeded with our collection efforts.

      Customer Answer

      Date: 07/27/2022

       
      Complaint: 17573169

      I am rejecting this response because by your own admittance you have confirmed that 1)American Credit Bureau Inc. is a 3rd party collection agency who is ILLEGALLY trying to collect on an alleged debt when you are not the holder in due course of the Contract. 2)American Credit Bureau Inc. has attempted to ILLEGALLY contact me about an alleged debt without my prior consent. 3) American Credit Bureau Inc. is ILLEGALLY reporting negative information to my consumer reports without authorization or instructions from me, the consumer, causing hardship, stress, and a decrease in my credit score resulting in housing challenges.I demand that this account is REMOVED, BLOCKED, AND DELETED from my consumer reports.

      Sincerely,

      *************************

      Business Response

      Date: 07/28/2022

      We do not agree with the consumer's statements.

    American Credit Bureau Inc. is NOT a BBB Accredited Business.

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