Who is Reports, Inc.?
Reports, Inc. is a debt collection agency based in Knoxville, Tennessee. They assist creditors by attempting to collect unpaid debts from consumers.
If Reports, Inc. appears on your credit report, it usually indicates that there’s an unpaid debt which the company is attempting to collect. This typically happens when a bill remains unpaid for a prolonged period.
Who does Reports, Inc. collect for?
Reports, Inc. specializes in medical collections, which means they primarily work on behalf of healthcare providers such as hospitals, clinics, and medical practices.
Is Reports, Inc. legit or a scam?
Reports, Inc. is a legitimate company. However, they may employ persistent methods of communication, such as repeated calls, texts, or emails, to try to collect a debt.
How can I remove Reports, Inc. from my credit report?
Reports, Inc. collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.
However, it is possible to remove a collection account from your credit history before seven years.
(While debt collectors may not want this information to be widely known, it’s your right to be informed.)
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Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.
In addition to collections, they can work with you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.
Get started on the path to better credit today: Fill out the form for a free credit consultation.
Reports, Inc. Contact Information
Address:
Reports, Inc.
601 S Concord St. Ste 116
Knoxville, TN 37919
Phone number: (865) 523-7183
Should I contact or pay Reports, Inc.?
It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.
The most effective way to deal with Reports, Inc. is to work with a credit repair professional. They help remove millions of negative items every year from companies like Reports, Inc. on behalf of their clients.
Will Reports, Inc. sue me or garnish my wages?
Reports, Inc. is entitled to sue you for the recovery of an unpaid debt. If they decide to take legal action and succeed in their lawsuit, they may be able to garnish your wages or levy your bank account, depending on the laws in your state. However, taking legal action is usually seen as a last resort by most collection agencies, given that it is a time-consuming and potentially costly process.
Reports, Inc. Complaints
Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Reports, Inc.
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:
- It is a violation of federal law for Reports, Inc. to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- Reports, Inc. may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Reports, Inc. must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
- Reports, Inc. cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Reports, Inc. From Your Credit Report Today!
Lexington Law can assist you in disputing Reports, Inc. accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.
If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
They have helped many people in your situation. Fill out the form on their website for a free credit consultation to see what they can do for you.
Ready to Repair Your Credit?
Some clients have raised their credit scores
by 100 points* or more.
