Complaints

This profile includes complaints for Automated Collection Services, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Automated Collection Services, Inc.

  304 Northcreek Blvd Goodlettsville, TN 37072-2096

  
• 

  Automated Collection Services, Inc.

  PO Box 1489 Goodlettsville, TN 37070

  

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.

• Initial Complaint

  Date:07/09/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  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.

  Repeated phone calls starting approximately 19Feb2025 with no statement of purpose or naming of person they are trying to reach. On occasion phone calls have been within under 10 seconds of each other. Phone calls have come from multiple numbers that have been linked through ****** search and other individuals cited complaints to ACSI. A collections service. If I attempt to answer there is no response, just an empty phone connection. Messages left simply state "this is (name of individual) for ACSI and to contact a different phone number than the one given." Business is supposed to be a collection agency. I have reviewed my credit report and have no accounts in collections.

  

  Business Response

  Date: 07/11/2025

  ******* ****,
  
  Please be advised ACSI was able to locate phone number ************ and has removed it from our system. This number was in our system associated with another consumer, and that consumers name did not match yours.We apologize for any inconvenience we have caused. 

  Customer Answer

  Date: 07/11/2025

   
  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:05/02/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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've asked for full validation with no response from the furnishers I've asked for original signed contract and invoice showing what they paid for this collection from the original collector Please remove from me credit reports

  

  Business Response

  Date: 05/05/2025

  Automated Collections Services****** (ACSI) is in receipt of ********************* complaint. ACSI has completed its investigation, and the results and our response follow.
  As explained in our response to Mr. ******** previous complaint, number ********, ACSI is working on behalf of our client, Metro Water Services. ACSI has not purchased this debt from Metro Water Services, and Metro Water Services retains ownership of the debt.
  We welcome Mr. ******* to contact our office at ************** Monday Thursday from 8:00am to 7:00pm and Friday from 8:00am to 3:00pm Central Time, to discuss options that might be available to him and to assist in resolving his account.
  Thank you for the opportunity to respond to this complaint.

• Initial Complaint

  Date:04/22/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 ******* COLL 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: ***** Amount Disputed: $121

  

  Business Response

  Date: 04/28/2025

  Automated Collections Services****** (ACSI) is in receipt of ******************** complaint. ACSI has completed its investigation, and the results and our response follow.
  
  Ms. ******** has two accounts placed with ********************** for collections by ACSIs client, Metro Water Services. Her first account was placed on May 31, 2023,with a balance of $86.36, and on June 26, 2023, ACSI mailed its initial collection letter to Ms. ******* at her last known address: *********************************. That letter included the required notice of validation rights pursuant to section 809 of the Fair Debt Collection Practices Act. Her second account was placed on May 10, 2024, with a balance of $121.21, and on June 4, 2024, ACSI mailed another initial collection letter on her second account to Ms. ******* at her last known address: *********************************************. Neither of those letters were returned as undeliverable to ACSI by the ********************
  
  On July 25, 2024, ACSI reported Ms. ******** second account to the three national consumer reporting agencies (Experian, **********, and Equifax) (CRAs)with permission from our client, Metro Water Services. ACSI is unable to remove this trade line from Ms. ******** consumer reports. It is ACSIs responsibility as a data furnisher under the Fair Credit Reporting Act (FCRA)that ACSI report complete and accurate information to the CRAs.
  
  As of April 25, 2025, ACSI has not received a dispute from Ms. *******. ACSI has attached copies of Ms. ******** final account statements to this response for her records.
  
  We welcome Ms. ******* to contact our office at ************** Monday Thursday from 8:00am to 7:00pm and Friday from 8:00am to 3:00pm Central Time,to discuss options that might be available to her and to assist in resolving her account.
  
  Thank you for the opportunity to respond to this complaint.

• Initial Complaint

  Date:04/19/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 never hired this company this company has not provided a signed contract to me i have disputed this before to no avail no response remove from my credit file asap

  

  Business Response

  Date: 04/21/2025

  Automated Collections Services****** (ACSI) is in receipt of ********************* complaint. ACSI has completed its investigation, and the results and our response follow.
  Mr. ******** account was placed with ACSI for collection by ACSIs client, Metro Water Services, on April 14, 2021, with a balance of $459.24.On May 10, 2021, ACSI mailed its initial collection letter to Mr. ******* at his last known address: ****************************************. That letter included the required notice of validation rights pursuant to section 809 of the Fair Debt Collection Practices Act and was not returned as undeliverable to ACSI by the *******************.
  On July 26, 2021, ACSI reported Mr. ******** account to the three national consumer reporting agencies (Experian, **********, and Equifax)(CRAs) with permission from our client, Metro Water Services.
  On October 4, 2021, ACSI received the first of several disputes forwarded by the **** on Mr. ******** behalf. After conducting an investigation, ACSI responded to each dispute by marking his trade line as disputed and indicating the disputed information was correct. ACSI is unable to remove this trade line from Mr. ******** consumer reports. It is ACSIS responsibility as a data furnisher under the Fair Credit Reporting Act (FCRA) that ACSI report complete and accurate information to the CRAs.
  We welcome Mr. ******* to contact our office at ************** Monday Thursday from 8:00am to 7:00pm and Friday from 8:00am to 3:00pm Central Time, to discuss options that might be available to him and to assist in resolving his account.
  Thank you for the opportunity to respond to this complaint.

• Initial Complaint

  Date:04/16/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 CITY OF MOBILE FIRE AND RESC, I do not have a contract with ******* COLL, they did not provide me with the original contract as i requested.Opened date: 7/24/2023Account number: 658339*High credit: $860 Correction to my credit report. I demand this account be removed from my credit report

  

  Business Response

  Date: 04/22/2025

  Automated Collections Services****** (ACSI) is in receipt of Mr. ****** ****** ***** complaint. ACSI has completed its investigation, and the results and our response follow.
  
  Mr. ***** account was placed with ACSI for collection by ACSIs client, City of Mobile Fire and Rescue, on July 24, 2023, with a balance of $860.20. On July 25, 2023, ACSI mailed its initial collection letter to Mr. **** at his last known address: ***************************************** AL ****** That letter included the required notice of validation rights pursuant to section 809 of the Fair Debt Collection Practices Act and was not returned as undeliverable to ACSI by the ********************
  
  On July 25, 2024, ACSI reported Mr. ***** account to the three national consumer reporting agencies (********, **********, and *******) (CRAs) with permission from our client, City of Mobile Fire and Rescue. ACSI is unable to remove this trade line from Mr. ****** consumer reports. It is ACSIs responsibility as a data furnisher under the Fair Credit Reporting Act (FCRA) that ACSI report complete and accurate information to the CRAs.
  
  As of April 21, 2025, ACSI has not received a dispute from Mr. ***** We have attached copies of Mr. ***** final account statement to this response for his records
  
  We welcome Mr. **** to contact our office at ************** Monday Thursday from 8:00am to 7:00pm and Friday from 8:00am to 3:00pm Central Time, to discuss options that might be available to him and to assist in resolving his account.
  
  Thank you for the opportunity to respond to this complaint.

• Initial Complaint

  Date:04/04/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 trying to resolve a rental debt with RentDebt Automated Collections (Automated Collection Services, Inc.). I first contacted them by email on March 20, 2025, and followed up multiple times. I explained that English is my second language, and I prefer communication in writing so I can clearly understand and keep a record of any agreement.Despite this, they keep replying with the same message saying they do not communicate by email and insisting that I call them. Ive asked for a breakdown of the debt, confirmation of ownership, and offered a $1,500 settlement in exchange for deleting the item from my credit report or marking it as Paid in Full.They have not responded to any of those requests and are refusing to communicate in writing. I just want to resolve this matter responsibly, but their refusal to accommodate reasonable communication preferences is unprofessional and unfair.

  Customer Answer

  Date: 04/08/2025

  I have submitted a formal written offer to RentDebt Automated Collections for $1,500 to settle this account. I also clearly stated that I require communication in writing due to English being my second language, and for proper documentation of any agreement.
  Despite multiple requests, the company continues to respond with the same copy-paste message saying they do not communicate through email and insist I call them. They are refusing to address my offer, provide written confirmation, or even acknowledge my concerns.
  I believe this is unprofessional and possibly a violation of fair debt collection practices. I am requesting that BBB continue to monitor this case and urge the company to engage in a good faith resolution.

  

  Business Response

  Date: 04/11/2025

  RentDebt Automated Collections, LLC (RDAC) is in receipt of Mr. ********** ********* complaint. **** has completed its investigation, and the results and our response follow.
  Mr. Goncalvesaccount was placed with RDAC for collection by RDACs client, Crossbrook Apartments, on July 8, 2024, with a balance of $5,005.30. On July 9, 2024, RDAC mailed its initial collection letter to Mr. ********* at his last known address: ***************************************** That letter included the required notice of validation rights pursuant to section 809 of the Fair Debt Collection Practices Act and was not returned as undeliverable to **** by the ********************
  
  On August 26, 2024, **** reported Mr. ********* account to the three national consumer reporting agencies (********, **********, and *******) (CRAs) with permission from our client, Crossbrook Apartments.
  
  On March 20, 2025, March 26, 2025, and April 2, 2025, **** received three emails total from Mr. ********** In his first email, he advised that he wanted to settle this account for $1,500 If **** would agree to remove this tradeline.**** responded to that email informing Mr. ********* we were unable to discuss his account via email. **** is also unable to offer Mr. ********* a pay to delete, as the Fair Credit Reporting Act (FCRA) requires that RDAC furnish both complete and accurate information to the credit reporting agencies. In his second email, Mr. ********* disputed his account, and **** responded to that email by mailing Mr. ********* a copy of his final account statement and signed lease agreement from ********************** His third email stated he had not heard back from **** regarding his settlement offer and dispute. On April ******, **** sent Mr. ********* a settlement offer for $4,004.24 due no later than April 30, 2025, and another email stating that we were unable to discuss his account via email. Please be advised that the aforementioned settlement amount was approved by Crossbrook Apartments, as any agreement to accept less than the full balance due to satisfy the account must be approved by Crossbrook Apartments.
  
  **** has attached copies of Mr. ********* signed lease agreement and final account statement to this response for his records.
  
  We welcome Mr. ********* to contact our office at ************** Monday Thursday from 8:00am to 7:00pm and Friday from 8:00am to 3:00pm Central Time,to discuss options that might be available to him and to assist in resolving his account.
  Thank you for the opportunity to respond to this complaint. 

  Customer Answer

  Date: 04/11/2025

  Thank you for the opportunity to respond.
  I do not find the businesss response satisfactory. I have made multiple requests to handle this matter in writing only, due to English being my second language and the importance of clear documentation when dealing with a financial matter. Despite this, the company has repeatedly refused to communicate in writing, which I feel is both unfair and unprofessional.
  I submitted a good-faith settlement offer of $1,500. While I understand that pay-for-delete may not be their policy, I was willing to proceed with payment if they would confirm the debt would be marked as Paid in Full in writing.
  Instead, they continue to insist on verbal communication and offered a settlement of $4,004 which is still out of reach for me financially. I am not trying to avoid responsibility, only to resolve this matter reasonably and with documentation that protects both parties.
  At this time, unless the business is willing to negotiate in writing, I do not feel that they are making a good faith effort to resolve this complaint.
  

• Initial Complaint

  Date:03/05/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 disputing an invalid account reported by ******************** on my credit report. This account is inaccurate, unverified, and violates the Fair Credit Reporting Act (FCRA). Since it does not meet the legal standards for reporting, I request its immediate removal. If the furnisher cannot provide proper validation, it must be deleted per federal law.

  

  Business Response

  Date: 03/07/2025

  My name is **** ******. I am the Vice President of Compliance for RentDebt Automated Collections, LLC and I have been asked to respond to Ms. ******* ********* complaint. **** has completed its investigation, and the results are as follows.
  Ms. ********* account was placed with RDAC for collections on February 29, 2024, with a balance of $38,990.80, by RDACs client ***** ******* Apartments. On March 1, 2024, RDAC mailed its initial collection letters to Ms. ********* at her last known address: **********************************************. That letter included the required notice of validation rights pursuant to section 809 of the Fair Debt Collection Practices Act and was not returned as undeliverable to **** by the *******************.
  On April 25, 2024, **** reported Ms. ********* account to the three national consumer reporting agencies (Experian, **********, and *******) (****) with permission from our client, ************************* Apartments. On December 23, 2024, **** received three disputes forwarded by the **** on Ms. **************** After investigating Ms. ********* claim, **** answered that dispute by updating her tradeline to disputed and indicating the disputed information was correct. On December 26, 2024, **** received a notification that Ms. **************** had been removed by the **** with control number   *************. Please note, it may take the **** up to 90 days to update their information and that is outside RDACs control.
  RDAC has attached copies of Ms. ********* copies of her final account statement, and signed lease agreement provided by our client, ************************************.
  Regarding Ms. ********* allegations of violations of the Fair Credit Reporting Act (FCRA), **** denies any violation of any of the statute.
  We welcome Ms. ********* to contact our office at ************** Monday Thursday from 8:00am to 7:00pm and Friday from 8:00am to 3:00pm Central Time, to discuss options that might be available to her and to assist in resolving her account.
  Thank you for the opportunity to respond to this complaint.
  **** Burgos 

• Initial Complaint

  Date:03/02/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  On February ******* I received notice that an account from ********************** was placed on my credit profile for $1397. I have never applied for credit or have any knowledge of this credit collection company. This account has caused my credit to drop 35 points taking me from good credit rating to poor. I am asking that this company remove my information from their database. I have also contacted ***************** and I can provide a reference number. If not removed within 15 days, I will proceed with court action requesting compensatory damages.

  

  Business Response

  Date: 03/13/2025

  ******* ******, 
   
  My name is **** ******, I am the Vice President of Compliance for Automated Collection Services, Inc. (ACSI) and I have been asked to respond to this complaint. With the information provided, we are not able to find an account for a consumer named ******* ****** that was furnished to the credit reporting agencies with the balance provided in this complaint . We welcome Mr. ****** to contact our office at ************** and speak with a manager Monday Thursday from 8:00am to 7:00pm and Friday from 8:00am to 3:00pm Central Time, to speak with a manager to help with locating the account referenced in this complaint.  
   
  Thank you for the opportunity to respond to this complaint.  
  **** Burgos 

• Initial Complaint

  Date:02/27/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 Automated Collection Service. I do not have a contract with this collection agency that is trying to collect and reporting this to credit reporting agencies. They did not provide me with the original contract as requested.

  

  Business Response

  Date: 03/20/2025

  My name is **** ******. I am the Vice President of Compliance for RentDebt Automated Collections, LLC (RDAC) and I have been asked to respond to ****************** complaint. **** has completed its investigation, and the results are as follows.
  
  Mr. ******** account was placed with RDAC for collection on January 2, 2025,by RDACs client Outlook Ridge Phase ll, with a balance of $539.73. On January ******, RDAC mailed its initial collection letter to Mr. ******* at his last known address: ********************************************. That letter included the required notice of validation rights pursuant to section 809 of the Fair Debt Collection Practices Act and that letter was not returned as undeliverable to RDAC by the *******************.
  
  On February 25, 2025, **** reported Mr. ******** account to the three national consumer reporting agencies (********, **********, and *******) (CRAs) with permission from our client, Outlook Ridge Phase ll.
  
  As of March 19, 2025, **** has not received a direct dispute from Mr. *******.Attached you will find copies of Mr. ******** final account statement and signed lease agreement provided by our client, Outlook Ridge Phase ll. Please be advised this information was also provided to Mr. ******* with our response to his prior BBB complaint number, 22999058.
  
  We welcome Mr. ******* to contact our office at ************** Monday Thursday from 8:00am to 7:00pm and Friday from 8:00am to 3:00pm Central Time,to discuss options that might be available to him and to assist in resolving his account.
  
  Thank you for the opportunity to respond to this complaint.
  **** ******

  Customer Answer

  Date: 03/20/2025

   
  Complaint: 22999058
  
  I am rejecting this response because: 

  that has never been my address, therefore I never received any notification of anything. 
  
  Sincerely,
  
  ***** Potting

  

  Business Response

  Date: 03/27/2025

  
  My name is **** ******. I am the Vice President of Compliance for RentDebt Automated Collections, LLC (RDAC) and I have been asked to respond to ****************** complaint. **** has completed its investigation, and the results are as follows.
  
  Mr. ******* stated in his recent complaint that he has never lived at **********************************************. Please be advised this is the address is the one that was provided by our client, Outlook Ridge Phase II.Additionally, in checking the National Change of Address database prior to the letter being sent, no updated address was reported by the *****************************
  
  We ask Mr. ******* to contact our office at ************** Monday Thursday from 8:00am to 7:00pm and Friday from 8:00am to 3:00pm Central Time and request to speak with a manager to discuss options that might be available to him and to assist in resolving his account.
  
  Thank you for the opportunity to respond to this complaint.
  **** ******

• Initial Complaint

  Date:02/19/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  ***** ****** ***** **************************************** Automated Collections Services, *************************************************** I am reaching out to whomever this matter concerns on behalf of myself, ***** ****** *****, a federally protected consumer. I am enforcing my rights according to 15 USO 1692g by asking your company to VALIDATE the alleged debt as well as send me evidence that i am obligated to pay this alleged debt. I am not refusing to pay the debt but rather asking your company to validate this debt as it is your lawful duty when asked by a consumer. I am also making your company aware that invalidated information on my consumer report may be fraud under federal and state laws, and I will not hesitate to bring forth legal action if my rights continue to be violated under the ***** and ****. You have 30 days to validate this debt and during this time all furnishing and collection activities must cease and desist through any and all mediums including my consumer report. If your company and/or office fails to respond within 30 days to validate this debt it shall be deleted and removed from my credit file immediately. I have also attached a CEASE AND DESIST that is effective immediately.

  

  Business Response

  Date: 02/27/2025

  My name is **** ******. I am the Vice President of Compliance for Automated Collection Services, Inc. (ACSI) and I have been asked to respond to **************** complaint. ACSI has completed its investigation, and the results are as follows.
  
  Mr. ***** has two accounts placed with ********************** for collections by ACSIs client,Nashville Fire and EMS. His first account was placed on October 11, 2021, with a balance of $702.00. ACSI mailed its initial collection letter to Mr. ***** at his last known address: ******************************************. His second account was placed on May 9, 2023, with a balance of $663.00. ACSI mailed its initial collection letter to Mr. ***** at his last known address: ******************************************. Both letters included the required notice of validation rights pursuant to section 809 of the Fair Debt Collection Practices Act and neither was returned as undeliverable to ACSI by the *******************.
  
  On April 11, 2022, ACSI reported Mr. ****** first account to the three national consumer reporting agencies (********, **********, and Equifax) (CRAs)with permission from our client, Nashville Fire and EMS. On April 29, 2022, ACSI received a dispute forwarded by the **** on Mr. ****** behalf. After investigating Mr. ****** claims, ACSI responded to that dispute by updating his tradeline to disputed and indicating the disputed information was correct. On May 10, 2024, ACSI reported Mr. ****** second account to the three national consumer reporting agencies (********, **********, and *******) (CRAs) with permission from our client, Nashville Fire and EMS. ACSI is unable to remove this trade line from Mr. ****** consumer reports. It is ACSIs responsibility as a data furnisher under the Fair Credit Reporting Act (FCRA) that ACSI report complete and accurate information to the CRAs.
  
  As of February 26, 2025, ACSI has not received a direct dispute from Mr. ******** have included copies of Mr. ****** account statements for both accounts with this response for his records.
  
  Regarding Mr. ****** allegations of violations of the Fair Debt Practices Act (FDCPA)and Fair Credit Reporting Act (FCRA), ACSI denies any violation of this statute.
  
  Pursuant to Mr. ****** request in his complaint, ACSI has marked his accounts to cease all outbound contact with him.
  
  We welcome Mr. ***** to contact our office at ************** Monday Thursday from 8:00am to 7:00pm and Friday from 8:00am to 3:00pm Central Time, to discuss options that might be available to him and to assist in resolving his account.
  
  Thank you for the opportunity to respond to this complaint.
  **** ******