With over 50 complaints lodged against it, many of them unresolved or with no response at all, Credit Systems International has earned an F rating with the Fort Worth Better Business Bureau. The third party debt collector is located in Fort Worth and claims over 30 years of experience in collecting debt of all kinds. Their website provides the bare minimum of information to tell consumers where to click to make a payment and a statement that all information received will be used by Credit System International in its attempt to collect on debts.
Among others, Credit Systems International has collected past due debt for Green Mountain Energy, Texas Utilities and other utility companies, as well as numerous banks that issue credit cards.
In the past year, Credit Systems International has also been named in two lawsuits alleging violations of the Fair Credit Reporting Act, which provides protections for consumers against false and misleading information being added to their credit reports.
Stop Credit Systems International Harassment
Have you found an entry placed on your credit report by a debt collection agency? Are you having trouble getting the debt collector to remove an erroneous item from your credit report, or are they refusing to report that you have made payments as agreed upon accounts filed with them?
Your credit report – or credit reports – affects your life in many ways. It can impact your ability to get a job, help a landlord decide whether or not to rent to you and prevent you from getting credit cards, auto loans, home mortgages and other important loans. Because of its importance, Congress passed the Fair Credit Reporting Act to give consumers certain rights with regard to their credit reports. The most important and basic of these rights is the right to obtain your credit report from each of the three major credit reporting agencies for free once a year. This is a vital step in protecting your credit rating and your identity.
In addition, under certain circumstances, you are entitled to additional credit reports provided to you for free. Those include:
- A person or business has taken adverse action against you – denied you credit or refused to rent to you, for example – because of information in your credit report
- You are the victim of identity theft and place a fraud alert on your file
- Your file contains inaccurate information that is the result of fraud
- You are unemployed but expect to apply for employment within 60 days
In addition, the Fair Credit Reporting Act gives you the right to dispute inaccurate information in your credit report, requires that the credit reporting agencies investigate your dispute and requires that the credit reporting agency remove inaccurate or unverifiable information from your credit report, usually within 30 days. It also requires that debt collectors who report information to credit bureaus cooperate with investigations by the credit bureaus. Finally, the FCRA gives you the right to sue credit reporting agencies and, under some circumstances, debt collectors for continuing to report false, outdated or inaccurate information on your credit report.
A debt collector may also be violating your rights under the FDCPA – the Fair Debt Collection Practices Act – which prohibits them from calling you repeatedly and excessively with the intent to harass; demeaning, belittling or abusing you verbally; and providing information about your indebtedness to a third party without your consent.
Credit Systems International Contact Information
Credit Systems International
PO Box 1088
Arlington, TX 76004
800-316-8064
How to Stop the Harassment Now
Complete the form to the right for a FREE evaluation, or call Toll-Free . The legal team at Lemberg & Associates is committed to holding debt collectors accountable, and will fight for your rights under the Fair Debt Collection Practices Act.
Note to Readers
The Information on this website is assembled using many public online and offline sources, such as debt collection agency websites, BBB data, regulatory agency reports and websites, and data available through Pacer. It neither is nor is intended to be the full or complete description of any company's business. To the extent any portion of the website is non-factual in nature, it constitutes our opinion only. We ask that you not rely on any information here in deciding whether or not to do business with any company mentioned on this website. Nothing here constitutes or is intended to constitute legal advice. If any reader or user of this website has a question about specific sources for any information used here, click here to submit an inquiry.
If you have been the victim of harassment or illegal or unfair debt collection practices, contact the Fair Debt Attorneys at Lemberg & Associates immediately to discuss your options and protect your rights. When you owe creditors money, you are protected by the Fair Debt Collection Practices Act, as well as other federal and state laws. If a debt collector has violated your rights, you may be entitled to up to $1000 in damages, and they may even have to pay your attorney fees. Sergei Lemberg, and the attorneys at Lemberg & Associates have helped countless people to assert their legal rights with debt collectors. Don't be intimidated by illegal debt collection practices. For more information, contact
Lemberg & Associates
today at .
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