If American Credit Bureau (ACB) is calling you multiple times a day, at odd hours, or threatening to garnish your wages, you may be dealing with more than an ordinary collection call. Federal law limits how debt collectors can contact you, and ACB’s tactics don’t always stay within those limits. This guide explains who ACB is, what your rights are under the Fair Debt Collection Practices Act (FDCPA), and how to make the calls stop.
Consumers who can show a violation may recover up to $1,000 in statutory damages, plus attorney’s fees, without paying anything out of pocket. The Wood Firm PLLC represents consumers only, on contingency, in cases against collectors like American Credit Bureau. Call +1-844-638-1122 for a free case review.
Who Is American Credit Bureau
American Credit Bureau is a third-party debt collection agency headquartered at 1200 N. Federal Hwy., #200, Boca Raton, FL 33432. The company has operated for more than 16 years, collecting overdue balances for credit card issuers, medical providers, and utility companies.
ACB has been named in more than 25 federal court cases alleging violations of consumer protection law, including claims of harassment and improper collection practices. That litigation history doesn’t mean every ACB call breaks the law, but it does mean consumers who feel targeted should document what happens and know their options.
- Also known as: American Credit Bureau, ACB
- Address: 1200 N. Federal Hwy., #200, Boca Raton, FL 33432
- Phone numbers reported by consumers: 561-750-9422 | (800) 761-7702 | 561-734-3999
- Federal court history: 25+ FDCPA-related filings
American Credit Bureau Phone Numbers to Watch For
Consumers have reported harassment calls from these ACB-linked numbers:
- 561-750-9422
- 800-761-7702
- 561-734-3999
ACB may use additional numbers not listed here. If a number matches ACB’s caller ID or an agent identifies the company by name, keep a log of the date, time, and what was said.
Why Is American Credit Bureau Calling You
American Credit Bureau calls you because a creditor assigned or sold your account to them for collection. That doesn’t automatically make every call lawful. In our practice, we pull the original creditor agreement and account transfer records on ACB files, because purchased or assigned debt frequently changes hands multiple times, and a broken chain of ownership can undercut ACB’s legal right to collect at all.
Common ACB Tactics Consumers Report
- Calling multiple times a day in an apparent attempt to pressure payment
- Calling before 8 a.m. or after 9 p.m., outside the FDCPA’s permitted window
- Using abusive or deceptive language, including false statements about the debt
- Threatening wage garnishment or lawsuits the company may not intend to pursue
- Contacting family members or neighbors about the debt itself, not just to locate you
- Failing to send a written validation notice within five days of first contact
Any one of these, if it happened, may support a federal claim. None of them are things you have to simply tolerate.
Is American Credit Bureau a Scam
American Credit Bureau is a real, licensed debt collection agency, not a scam operation, but licensed does not mean every tactic ACB uses is legal. According to BBB records and consumer complaints, some ACB collectors have allegedly used aggressive tactics, made repeated calls, and misrepresented the consequences of nonpayment. The FTC and CFPB both monitor collector compliance with the FDCPA, and a documented pattern of aggressive conduct is exactly what those agencies, and private attorneys, look for when evaluating a case.
Is American Credit Bureau Banned by the FTC
No. American Credit Bureau has not been banned by the FTC as of this writing. That doesn’t mean the company operates free of oversight. ACB remains subject to FDCPA enforcement through the CFPB, state attorneys general, and private lawsuits, including the 25-plus federal cases already on record. In our practice, an active litigation history like this tells us where to focus discovery, specifically call logs, scripts, and validation-notice procedures, when we open a new ACB file.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act sets clear limits on collector behavior:
- Time limits: No calls before 8 a.m. or after 9 p.m. in your time zone
- Language limits: No obscene, profane, or abusive language
- Validation rights: You can request written proof of the debt
- Cease communication rights: A written request can stop most further contact
- Third-party limits: Collectors may contact others only to locate you, not to discuss the debt
A violation of any of these can trigger statutory damages under federal law, separate from whatever you may or may not owe on the underlying account.
How to Stop American Credit Bureau From Calling You
Request Written Validation
Ask ACB in writing to prove the debt is yours and that they hold the legal right to collect it. They generally have five days from first contact to send this notice.
Dispute the Debt if It Isn’t Yours
Send a written dispute within 30 days of first contact, ideally by certified mail, and keep a copy for your records.
Send a Cease Communication Letter
A written cease request generally requires ACB to stop contacting you, except to confirm receipt or notify you of specific legal action. If calls continue after a proper cease request, each additional call may constitute a separate FDCPA violation.
Document Every Call
Log the date, time, number, and content of each call. Voicemails and call logs often become the strongest evidence in an FDCPA claim.
Talk to a Consumer Protection Attorney
If the harassment continues, debt collector harassment may already support a claim. The Wood Firm PLLC reviews ACB cases on contingency, meaning you pay nothing unless there is a recovery.
Can American Credit Bureau Sue You or Garnish Your Wages
ACB can pursue a lawsuit if the debt falls within your state’s statute of limitations, but the company must follow proper legal procedure to do so.
- Lawsuits: If ACB sues and wins, a court judgment can allow wage garnishment or a property lien.
- Jail time: ACB cannot threaten arrest over an unpaid consumer debt.
- Garnishment: Wages can only be garnished after ACB obtains a valid court judgment, and state limits still apply to how much can be taken.
A threat of garnishment or a lawsuit made before any legal filing exists may itself violate the FDCPA’s ban on false or misleading representations. If you saved a voicemail making that kind of threat, that recording may already contain the evidence needed to support a claim, per FDCPA rules on garnishment threats.
Where to Report American Credit Bureau Harassment
Consumers who believe ACB crossed a legal line can file complaints with:
- Consumer Financial Protection Bureau (CFPB)
- Your state attorney general’s office, for example the Florida Attorney General
- Better Business Bureau
- Federal Trade Commission (FTC)
A regulatory complaint and a private lawsuit aren’t mutually exclusive. Many consumers do both.
How The Wood Firm PLLC Helps With American Credit Bureau Cases
We review ACB call logs, voicemails, and correspondence to identify FDCPA, FCRA, and TCPA violations specific to each client’s file. When we open an ACB case, we request the original creditor agreement and account transfer history, since gaps in that chain are a recurring issue in purchased-debt files.
We take these cases on contingency. If ACB violated federal law, the company, not you, pays our fees. There’s no cost to you for a case review, and no obligation to move forward if you’d rather not. Call +1-844-638-1122 to have a member of our team review your situation.
Frequently Asked Questions
How can I stop American Credit Bureau calls immediately
Sending a written cease communication letter is the fastest way to require ACB to stop most contact. Keep a copy and proof of mailing for your records.
What should I do if American Credit Bureau keeps calling after I asked them to stop
Document each call and speak with a consumer protection attorney. Continued contact after a valid cease request may constitute a separate violation for each call.
Can I sue American Credit Bureau for harassment
Yes, if ACB violated the FDCPA. Consumers can recover up to $1,000 in statutory damages plus attorney’s fees, in addition to any actual damages proven.
Can American Credit Bureau garnish my wages without a court order
No. ACB must first sue you and win a judgment before any wage garnishment can occur. A threat of garnishment without an existing lawsuit may itself violate federal law.
Can American Credit Bureau discuss my debt with my family members
No. Collectors may contact family or neighbors only to locate you, not to discuss the debt itself. Sharing debt details with a third party may violate the FDCPA.
How long does American Credit Bureau have to send debt validation
ACB generally must provide written validation within five days of first contacting you. Missing this deadline can support an FDCPA claim.
Is American Credit Bureau a legitimate company
Yes, ACB is a licensed collection agency, not a scam. Being licensed doesn’t excuse unlawful tactics, and documented aggressive conduct can still support a legal claim.
Related Reading
- American Coradius Debt Collection Harassment
- Credit Bureau Collection Services Harassment
- American Collection Services Harassment
- North American Credit Services Debt Collection Harassment
- American Debt Management Debt Collection Harassment
- How Many Times Can a Debt Collection Agency Call You Per Day
Jeff Wood represents consumers exclusively, never creditors or collectors. He holds federal court admissions in 9 districts, including all courts of AR, CO, NM, and TX. He practices from Little Rock, AR.
