RSI Enterprises on Your Credit Report: Your Options Explained

RSI Enterprises has been collecting debts in Arizona since 1993 and maintains a second office in Herndon, Virginia. They collect for healthcare providers, financial institutions, and government agencies. Two federal courts have rejected RSI’s argument that they do not qualify as a debt collector under the FDCPA, a claim they have made in multiple cases.

Their most documented case involves a 2018 voicemail that omitted a required federal disclosure, and a 2015 case where RSI sent collection letters a court found to be confusing and contradictory in violation of consumers’ dispute rights. This guide covers who RSI is, their documented legal history, and how to respond.

Who Is RSI Enterprises?

RSI Enterprises, Inc. is a third-party debt collection agency founded in 1993 and headquartered in Glendale, Arizona. They maintain an additional office in Herndon, Virginia, and are licensed nationally. The company has approximately 65 employees.

RSI collects for healthcare providers, financial institutions, and government agencies. The CFPB has closed 19 complaints since March 2015. The BBB has recorded 21 complaints in a three-year period. Over 40 federal court cases appear in records across various sources.

The 2019 Driesen Case: Missing Disclosure in Voicemails

In Driesen v. RSI Enterprises Inc. (Case No. 3:18-cv-08140-PCT-DWL, D. Arizona, January 22, 2019), RSI left two voicemails for Kimberly Driesen on the same day. Both said only: “We have an important message from RSI Enterprises. This call is from a debt collector. Call 602-627-2301.”

FDCPA Section 1692e(11) requires that any collection communication include a warning that any information obtained will be used to collect a debt. Neither voicemail contained that disclosure. The court found this created a risk that Driesen “might volunteer information to her detriment during subsequent interactions with RSI” and allowed the case to proceed.

RSI again argued they were not a debt collector under the FDCPA. The court rejected that argument for the second time in four years.

If you receive a voicemail from RSI that does not state that any information you provide will be used to collect a debt, that voicemail may constitute an FDCPA Section 1692e(11) violation.

The 2015 Arizona Federal Case: Confusing and Contradictory Collection Letters

In the February 2015 case, the plaintiff alleged RSI sent collection letters that were confusing, deceptive, and internally contradictory in three ways: the letters overshadowed the consumer’s right to dispute the debt during the 30-day validation window; were inconsistent with required disclosures about dispute rights; and falsely represented the character or legal status of the debt.

RSI attempted to argue they were not operating as a debt collector. The court denied RSI’s motion for summary judgment on that basis, allowing all three FDCPA claims to proceed.

If RSI has sent you a collection letter and the payment demands or deadlines in the letter conflict with or minimize your right to dispute within 30 days, that letter may follow the same pattern the 2015 court declined to dismiss.

Arizona’s Criminal Debt Collection Statute

Arizona has its own debt collection law under Ariz. Rev. Stat. §§ 32-1001 to 32-1057 that operates as a criminal statute rather than a civil one. Unlike the FDCPA, Arizona consumers cannot sue RSI directly for violating the state statute. However, violations of Arizona’s debt collection law are a Class 1 misdemeanor. Consumers can report violations to the local city or county prosecutor’s office.

RSI is also required to be licensed by the Arizona Department of Insurance as a condition of operating in the state.

What RSI Cannot Do Under Federal Law

Based on their documented case history:

• Leave voicemails that omit the required Section 1692e(11) disclosure: The Driesen case specifically found RSI’s voicemails violated this requirement. Any RSI voicemail must state that information provided will be used to collect a debt.
• Send collection letters that overshadow or contradict the 30-day dispute window: The 2015 Arizona federal case found RSI’s letters created this problem. Any payment deadline that minimizes or contradicts the consumer’s 30-day right to dispute is an FDCPA Section 1692g violation.
• Falsely represent the character, amount, or legal status of a debt: A documented 2015 FDCPA claim, Section 1692e(2)(A).
• Claim they are not a debt collector to avoid FDCPA obligations: Two courts have rejected this argument from RSI. They are a debt collector as defined by the FDCPA.
• Report inaccurate information to credit bureaus: BBB complaints document RSI refusing to remove entries consumers say are inaccurate without providing itemized documentation.

Verify the Debt Before Paying Anything

Send a written validation request by certified mail within 30 days of first contact. RSI’s BBB complaint responses show a pattern of sending account statements from the original creditor as validation. Request specifically an itemized statement showing how the balance was calculated, the name and address of the original creditor, and confirmation that RSI is authorized to collect on their behalf.

Arizona has a 6-year statute of limitations on written contracts. Confirm the age of any debt RSI is pursuing before engaging.

How to Check Your Credit Report for RSI Entries

Search all three credit reports for “RSI Enterprises.” Confirm the original creditor is identified and the balance matches what the original creditor recorded at charge-off. If RSI’s letter contained payment deadlines that conflicted with your right to dispute within 30 days, document that letter before filing a bureau dispute.

Your Options for Resolving an RSI Account

• Review every RSI voicemail for the Section 1692e(11) disclosure: The Driesen case was filed specifically because RSI omitted this language. If your voicemail says only to call back without stating information will be used to collect a debt, document it.
• Check every RSI letter for language that overshadows your 30-day dispute right: The 2015 case shows RSI has sent letters with conflicting timelines. Any deadline shorter than 30 days from first contact that minimizes your dispute rights is potentially actionable.
• Request itemized documentation, not just account statements: BBB responses show RSI provides statements from clients as validation. That alone does not confirm the specific charges making up the claimed balance.
• Report Arizona state law violations to the local prosecutor: Unlike the FDCPA, Arizona’s criminal debt collection statute does not allow individual lawsuits but violations can be reported to the prosecutor.

How to Contact RSI Enterprises

• Arizona address: RSI Enterprises, Inc., 5440 W Northern Avenue, Glendale, AZ 85301
• Virginia address: 13921 Park Center Road, Suite 120, Herndon, VA 20171
• Phone: (800) 774-4003 or (800) 774-2455

Bottom Line

RSI Enterprises has had two courts reject their argument that they are not a debt collector under the FDCPA, once in 2015 and again in 2019. Both cases involved specific communication failures: letters that confused and contradicted consumers’ dispute rights, and voicemails missing a required federal disclosure.

Before paying anything RSI claims, review every voicemail and letter for these specific deficiencies. Send a written validation request and check that RSI’s response includes an itemized breakdown, not just a client account statement.