Is American Collections Enterprise Hurting Your Credit?

If you’ve found American Collections Enterprise or AMCOLLECT on your credit report, it likely means you have an unpaid debt that’s been sent to collections. Here’s what you need to know about this company—and how to get the account removed.

What Is American Collections Enterprise?

American Collections Enterprise, Inc. (ACEI) is a third-party debt collection agency based in Alexandria, Virginia. They collect debts on behalf of other businesses and may appear on your credit report as a collection account if a debt has gone unpaid.

You might also see them listed as AMCOLLECT.

Who Does ACEI Collect For?

American Collections Enterprise works across many industries. They may try to collect if you owe money to:

• Banks or credit card companies
• Hospitals, clinics, or dental providers
• Landlords or property managers
• Utility providers
• Car rental agencies
• Schools or student loan servicers
• B2B commercial clients

They also handle bounced checks, unpaid rent, and other overdue personal debts.

Is American Collections Enterprise Legit?

Yes, ACEI is a legitimate debt collector. That said, never assume a collection account is valid just because it shows up on your credit report. Always request written proof before paying anything.

How to Remove American Collections Enterprise From Your Credit Report

Collection accounts can stay on your credit report for seven years—but that doesn’t mean you’re stuck with them. Here are a few ways to remove the account:

• Dispute inaccuracies – Check for errors in the amount, date, or account details. If anything looks off, file a dispute with the credit bureaus.
• Try a pay-for-delete – Offer to settle the debt if they agree to remove the collection account from your credit report. Get the agreement in writing first.
• Use a credit repair company – Professionals can handle the dispute process, send validation letters, and push for removal on your behalf.

Should You Contact or Pay American Collections Enterprise?

Before making any contact, request a debt validation letter. This gives you the full details of the debt, including the original creditor and the amount owed. If they can’t prove it’s yours, they must stop collecting and remove the entry from your report.

Paying a debt without confirming it can reset the statute of limitations in some states, which gives collectors more time to pursue legal action.

Can ACEI Sue or Garnish Your Wages?

They can sue you to recover a valid debt. If they win a court judgment, they may be able to:

• Garnish your wages
• Freeze your bank account
• Place a lien on your property

Laws vary by state. However, most collectors prefer to avoid court and may be open to negotiating a payment plan or settlement.

American Collections Enterprise Contact Information

American Collections Enterprise, Inc.
205 S Whiting St, Suite 500
Alexandria, VA 22304-3632
Phone: (703) 253-7000

Complaints About American Collections Enterprise

Like many debt collectors, ACEI has received complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). These include:

• Reporting incorrect information
• Harassing phone calls
• Refusal to verify the debt

If you’ve experienced any of these issues, you have the right to file a complaint and take action to protect yourself.

Know Your Rights Under the FDCPA and FCRA

The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) protect you from unfair treatment. Here’s what debt collectors like ACEI are not allowed to do:

• Report false or incomplete info
• Ignore validation requests
• Use threats or abusive language
• Lie about who they are or what they can do
• Threaten arrest over unpaid debts

You can request debt validation and dispute credit report errors. If they break the law, you can report them and seek legal help.

Get American Collections Enterprise Removed From Your Credit Report

Dealing with collections can feel overwhelming, but you don’t have to go it alone. Credit Saint helps people remove negative marks like American Collections Enterprise from their credit reports—and they offer a 90-day money-back guarantee if they don’t deliver.

Call (855) 281-1510 or visit their website to see if they can help you clean up your credit.