If you’ve noticed Enterprise Collections or Alltran on your credit report, you’re likely dealing with a collections account that could be hurting your credit score. Enterprise Recovery Systems (ERS) was a debt collection agency based in Illinois, but they’ve since changed their name to Alltran, with offices in Texas and Oklahoma.
Collections accounts can stay on your report for years, but you have options to fix the situation.
Who Does Enterprise Collections (Alltran) Collect For?
Enterprise Collections, now known as Alltran, collects debts for a wide range of industries, including:
- Banks and credit unions
- Credit card companies
- Auto and mortgage lenders
- Online lenders
- Student loan servicers
- Local governments (court fees, taxes, tolls, parking tickets)
If you’ve fallen behind on payments in any of these areas, your account may have been turned over to Enterprise Collections.
Is Enterprise Collections Legitimate?
Yes, Enterprise Collections (Alltran) is a legitimate debt collection company. They are authorized to collect debts on behalf of their clients. However, even legitimate collection agencies make mistakes. Always verify the debt before making payments to ensure the account belongs to you and the information is accurate.
How to Remove Enterprise Collections From Your Credit Report
Collections accounts can hurt your credit score for up to seven years. To remove Enterprise Collections from your credit report:
- Dispute Inaccurate Information: If the account isn’t yours or contains errors, file a dispute with the credit bureaus. They must investigate and correct inaccurate reporting.
- Negotiate a Pay-for-Delete: You can try offering payment in exchange for having the account removed from your credit report. Always get this agreement in writing.
- Work With a Credit Repair Company: Credit repair professionals help challenge negative marks from companies like Enterprise Collections every day.
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Should You Contact or Pay Enterprise Collections?
Before contacting Enterprise Collections or sending payments, confirm the debt is valid and still legally collectible. Credit reports often contain mistakes, and paying an old or invalid debt can sometimes restart the collection clock, making it harder to remove.
If you’re unsure how to proceed, consider working with a trusted credit repair company to help manage the process.
Can Enterprise Collections Sue You or Garnish Your Wages?
Enterprise Collections (Alltran) has the legal right to sue for unpaid debts. If they file a lawsuit and win a judgment, they may be able to:
- Garnish your wages
- Freeze your bank account
- Place a lien on your property
Whether they can take these actions depends on your state’s laws. That said, lawsuits and wage garnishments are typically a last resort. Many agencies prefer to settle the debt or set up a payment plan first.
Enterprise Collections Contact Information
- Address:
Enterprise Collections / Alltran
5800 N Course Drive
Houston, TX 77072-1613 - Phone:
(713) 977-1234 or (800) 568-0399
Enterprise Collections Complaints
Like many collection agencies, Enterprise Collections has complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Incorrect information reported to credit bureaus
- Failure to verify debts
- Harassment or repeated phone calls
If you experience these issues, you can file a complaint:
- CFPB: Submit online at consumerfinance.gov or call (855) 411-2372
- BBB: Visit bbb.org to report concerns
Your Rights When Dealing With Enterprise Collections
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) protect your rights when dealing with debt collectors. Here’s what you’re entitled to:
- You can dispute inaccurate or incomplete information on your credit report.
- You can request debt validation. The agency must prove the debt is yours and the amount is correct within 30 days of your written request.
- They cannot harass, threaten, or use abusive language.
- They must clearly identify themselves as a debt collector.
- They cannot threaten you with arrest or jail for unpaid debts.
If your rights are violated, report them to the CFPB or consider seeking legal advice.
Remove Enterprise Collections From Your Credit Report Today
Struggling with Enterprise Collections or Alltran on your credit report? You don’t have to handle it alone. Credit Saint has helped thousands of people challenge negative marks from companies like Enterprise Collections.
They even offer a 90-day money-back guarantee if no questionable negative items are removed from your credit report within the first 90 days. To qualify, you must stay active, submit ID within five days, make all payments, and avoid adding new negative marks.
If you’re ready to clean up your credit, visit their website or call (855) 281-1510 to get started.
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.
