Seeing “Collections USA” on your credit report can be frustrating—but you’re not stuck with it forever. Collection accounts can damage your credit score and stay on your credit report for up to seven years, so it’s important to take action as soon as possible.
Here’s how Collections USA operates, who they collect for, and the steps you can take to remove their account from your credit report.
Who Is Collections USA?
Collections USA, Inc. is a debt collection agency based in Phoenix, Arizona. They work on behalf of businesses to collect unpaid debts from consumers.
If Collections USA shows up on your credit report, it usually means an unpaid account has been sent to them by the original creditor.
Who Does Collections USA Collect For?
Collections USA collects a wide range of debts across different industries, including:
- Finance Contracts: Unpaid loans or other consumer credit accounts
- Judgment Collections: Debts backed by a court judgment
- Medical Collections: Outstanding medical bills
- Property Management Accounts: Past-due rent or other property-related debts
- Retail and Utility Accounts: Unpaid retail or utility bills
If you’ve fallen behind on payments in any of these areas, the original company may have hired Collections USA to pursue the debt.
Is Collections USA Legitimate?
Yes, Collections USA, Inc. is a real debt collection agency. They are authorized to collect debts for their clients, but that doesn’t mean you should automatically accept the debt as valid. Always request verification before making any payments.
How to Remove Collections USA from Your Credit Report
If you want to get Collections USA off your credit report, there are a few steps to follow:
- Check for Errors: Review your credit report for incorrect details. If the account is inaccurate, file a dispute with the credit bureaus to have it removed.
- Request Debt Validation: You have the right to ask for proof that the debt is yours and the amount is accurate. Send Collections USA a written debt validation letter within 30 days of their first contact.
- Negotiate a Pay-for-Delete: In some cases, you may be able to arrange a pay-for-delete agreement, where you pay the debt in exchange for the account being removed from your credit report. Always get this agreement in writing.
- Work with a Credit Repair Company: If dealing with collection agencies feels overwhelming, a reputable credit repair company can help challenge negative accounts and assist with the process.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Collections USA?
Before you speak with or pay Collections USA, make sure the debt is accurate and still legally enforceable. Some debts are past the statute of limitations, and making a payment could restart the clock.
Errors on credit reports happen frequently, so verifying everything is essential. Many people prefer to have a credit repair professional handle communication with collection agencies to avoid mistakes.
Can Collections USA Sue You or Garnish Your Wages?
Debt collectors like Collections USA can file a lawsuit for unpaid debts. If they win in court, they may be allowed to garnish wages, levy bank accounts, or take other actions based on your state’s laws.
Not all collection agencies choose to sue, but ignoring collection notices increases your risk of legal action. It’s always better to deal with these issues early.
Collections USA Complaints
Like many debt collectors, Collections USA has complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). The most common complaints include:
- Reporting inaccurate information to the credit bureaus
- Failing to verify debts when requested
- Harassing phone calls or aggressive collection tactics
If you experience harassment or inaccurate reporting, you can file a complaint with the CFPB or BBB.
Your Rights When Dealing with Collections USA
You have protections under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA), including:
- You can request written proof of the debt, and they must provide it within 30 days.
- They cannot report false or incomplete information to the credit bureaus.
- Threats, harassment, or abusive language are illegal.
- Collections USA must clearly identify themselves as a debt collector in every communication.
- They cannot threaten arrest or jail for unpaid debts.
Knowing your rights can help you handle the situation with confidence.
Collections USA Contact Information
Address:
Collections USA
21640 N 19th Ave, Suite C-3
Phoenix, AZ 85027
Mailing Address:
Collections USA
PO Box 10070
Glendale, AZ 85318-0070
Phone Numbers:
(800) 743-0434
(623) 581-2433
Always communicate in writing and keep records of all correspondence.
Remove Collections USA from Your Credit Report Today
Dealing with collection accounts like Collections USA can be stressful, but you don’t have to face it alone. A trusted credit repair company, such as Credit Saint, can assist with disputing negative items—and they even offer a 90-day money-back guarantee for peace of mind.
Visit their website or call (855) 281-1510 to learn more about how they can help.
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.
