Allstate Credit Bureau, Inc. has no connection to Allstate Insurance Company. Despite the shared name, these are completely separate organizations. Allstate Credit Bureau is a Farmington Hills, Michigan debt collection agency with an F BBB rating, no active website, and a documented pattern of failing to respond to consumer complaints.
Who Is Allstate Credit Bureau?
All State Credit Bureau, Inc. was founded in 1958 and is not BBB-accredited. The company holds an F rating for failing to respond to 17 complaints and leaving 35 unresolved.
They do not publicly disclose which industries or creditor types they collect for and have no active website. The BBB confirmed in 2019 that mail was being returned from their listed address, prompting an investigation.
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Address and Reachability Concerns
In 2019, the BBB conducted an investigation after receiving an increase in complaints while also receiving return mail from the company’s listed address. The BBB confirmed Allstate Credit Bureau was still in business by phone but noted the company had filed a different address in a 2019 Michigan LARA Annual Report.
If mail to the Farmington Hills address is returned or phone contact is impossible, file a CFPB complaint and dispute the credit report entry directly with the credit bureaus. A company that cannot be reached for validation is unable to verify the debt, which supports removal.
Failing to Provide Debt Documentation
The documented FDCPA complaint categories against Allstate Credit Bureau include failing to contact debtors and refusing to provide documentation of the debt. Given the company’s F BBB rating for non-response and their lack of an active website, obtaining any documentation from them may be challenging.
If Allstate Credit Bureau fails to respond to a certified mail validation request within 30 days, they are required to cease collection activity. File a CFPB complaint immediately and dispute the credit bureau entry simultaneously, noting that validation was requested and no response was received.
What Allstate Credit Bureau Cannot Do Under Federal Law
The FDCPA applies to Allstate Credit Bureau. Under federal law, they cannot:
- Refuse to provide documentation of the debt when requested: A documented FDCPA complaint category.
- Fail to contact the debtor to provide required validation information: A documented FDCPA complaint category.
- Continue collecting after failing to respond to a validation request: Required to cease activity if validation is not provided within 30 days.
- Report inaccurate information to credit bureaus: Standard FCRA prohibition.
- Call outside permitted hours: Contact is only allowed between 8 a.m. and 9 p.m. in your time zone.
File complaints at consumerfinance.gov. Michigan residents can also file with the Michigan Attorney General’s Consumer Protection Division.
Verify Before Paying Anything
Send a written debt validation request by certified mail with return receipt to the current Farmington Hills address. Ask for the original creditor, the account number, the nature of the underlying debt, and the balance at referral.
Keep your certified mail receipt and tracking confirmation. If the letter is returned undelivered or no response arrives within 30 days, those records support both your CFPB complaint and your credit bureau dispute.
How to Check Your Credit Report for Errors
Pull your credit reports from all three bureaus at AnnualCreditReport.com. Search under both Allstate Credit Bureau and All State Credit Bureau. Is the original creditor identified? Is the balance accurate? Was prior written notice received before the account appeared?
Any inaccuracy is grounds for a dispute with each credit bureau.
How Long Can They Legally Pursue the Debt?
Michigan has a 6-year statute of limitations on most consumer debts. The relevant state is typically where you currently reside.
Your Options for Resolving an Allstate Credit Bureau Account
Given the company’s documented non-response pattern:
- Send validation by certified mail immediately: Their F BBB rating for non-response makes documentation of your attempt essential.
- File a CFPB complaint if no response arrives in 30 days: Note in the complaint that validation was requested by certified mail and no response was received.
- Dispute directly with credit bureaus simultaneously: Given reachability concerns, parallel bureau disputes are more reliable than waiting for ARS to respond.
- Verify the original creditor independently: If you can identify who the original creditor is from the credit report entry, contact them directly.
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How to Contact Allstate Credit Bureau
Handle all communication by certified mail. Note there is no active website:
- Address: All State Credit Bureau, Inc., 22000 Springbrook Avenue, Suite 201, Farmington Hills, MI 48336
- Phone: (248) 354-0500
Bottom Line
Allstate Credit Bureau has no connection to Allstate Insurance. Their F BBB rating reflects failure to respond to 17 complaints and 35 unresolved disputes. They have no active website and have had documented mail delivery issues at their listed address.
Send validation by certified mail and file a CFPB complaint immediately if no response arrives within 30 days. Dispute the credit bureau entry simultaneously rather than waiting for Allstate Credit Bureau to respond.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.