If RSI Enterprises is showing up on your credit report, your credit score could be taking a hit. Here’s what to know about who they are, what they collect, and how to get their account removed from your credit report.
Who Is RSI Enterprises?
RSI Enterprises, Inc. is a debt collection agency based in Glendale, Arizona. They collect unpaid debts on behalf of other businesses, including healthcare providers, lenders, and government agencies.
If RSI Enterprises appears on your credit report, it means they are trying to collect a debt you have not paid.
What Types of Debts Does RSI Enterprises Collect?
RSI Enterprises collects different types of unpaid debts, including:
- Medical bills from hospitals or clinics
- Overdue loans or credit card balances for financial institutions
- Unpaid taxes or fines owed to government agencies
If you have missed payments in any of these areas, RSI Enterprises may be attempting to collect from you.
Is RSI Enterprises a Legitimate Company?
Yes, RSI Enterprises is a real debt collection agency. They are authorized to collect debts for their clients.
Even so, you should always verify the debt before making payments. Credit reports often contain errors, and not every debt is valid.
How to Remove RSI Enterprises From Your Credit Report
Collection accounts can lower your credit score and remain on your report for up to seven years. But you may have options to remove them sooner:
- Dispute inaccurate information – If the debt is incorrect or doesn’t belong to you, file a dispute with the credit bureaus.
- Request debt validation – You have the right to ask RSI Enterprises to provide proof that the debt is valid.
- Negotiate a pay-for-delete – In some cases, you may be able to settle the debt in exchange for the account being removed from your credit report.
- Work with a credit repair company – Professionals can help challenge negative accounts and guide you through 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 RSI Enterprises?
Before contacting them or making a payment, confirm the debt is accurate and legally enforceable. Some debts may be incorrect or too old to collect.
Here are a few things to consider:
- Making a payment can reset how long the debt stays on your credit report.
- You can request written proof of the debt before agreeing to pay.
- A credit repair company can help you manage the situation and avoid mistakes.
Can RSI Enterprises Sue You or Garnish Your Wages?
Yes, they have the legal right to sue for unpaid debts. If they win the case, they may be granted a judgment, which could lead to:
- Wage garnishment
- Bank account levies
- Property liens
What actions they can take depends on state laws. Most collection agencies prefer to set up payment arrangements before taking legal action.
RSI Enterprises Contact Information
Glendale, Arizona Office:
RSI Enterprises, Inc.
5440 W Northern Avenue
Glendale, AZ 85301
Herndon, Virginia Office:
RSI Enterprises, Inc.
13921 Park Center Road, Suite 120
Herndon, VA 20171
Phone Numbers:
(800) 774-4003
(800) 774-2455
Complaints About RSI Enterprises
Debt collectors often receive complaints, and RSI Enterprises is no exception. Common complaints filed with the Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB) include:
- Inaccurate credit reporting
- Harassing phone calls
- Failure to provide proof of debts
If you experience these issues, you can file a complaint and exercise your consumer rights.
Your Rights When Dealing With RSI Enterprises
You have protections under the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA). These laws protect you from unfair collection tactics:
- They cannot report false or incomplete information.
- You can request written proof that the debt is valid.
- They cannot harass you, repeatedly call, or use abusive language.
- They must clearly identify themselves as a debt collection agency.
- They cannot threaten jail time for unpaid debts.
Knowing your rights makes it easier to deal with collection accounts.
Remove RSI Enterprises From Your Credit Report Today
If dealing with collection accounts feels overwhelming, you don’t have to face it alone. Credit Saint has over 15 years of experience helping clients challenge negative entries, including accounts from RSI Enterprises.
They even offer a 90-day money-back guarantee, so you can get started with confidence.
Call (855) 281-1510 or visit their website to learn more.
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.
