United Revenue Corp on Your Credit Report: What to Know

United Revenue Corp (URC) is an Arlington, Texas medical debt collection agency with an F rating from the Better Business Bureau and over 38 complaints closed in a three-year window. A 2017 federal case documents URC failing to provide required validation documentation after a consumer’s written request, then continuing collection anyway.

Texas consumers have additional protection under the Texas Debt Collection Act, which goes beyond the FDCPA and applies to a broader range of collection conduct.

This guide covers who URC collects for, the 2017 federal case, specific complaint patterns, your Texas and federal rights, and how to handle the account.

Who Is United Revenue Corp?

United Revenue Corp is a third-party medical debt collection agency founded in 1983 in Arlington, Texas. The company employs approximately 30 people with estimated annual revenue around $2.6 million.

URC focuses exclusively on healthcare receivables and collects on behalf of hospitals, physicians, and medical service providers. The BBB has assigned URC an F rating. The CFPB has logged over 22 complaints against the agency since 2015.

Who Does URC Collect For?

URC works exclusively in healthcare. Confirmed client categories from BBB complaint documentation include:

• Hospitals and hospital systems: Multiple 2026 BBB complaints document URC reporting hospital balances the original facility could not confirm. One complaint describes a hospital that never billed insurance, resulting in an incorrect self-pay collection referral.
• Physicians and medical practices: Doctor visits, specialist consultations, and outpatient services appear in URC’s collection records.
• Diagnostic services and ancillary medical providers: These are documented URC client categories alongside hospitals and physician offices.

The 2017 Federal FDCPA Case

Case 3:17-cv-03292-N (N.D. Texas, Dallas Division, 2017) is the primary documented federal case against URC. In December 2016, URC sent a collection letter to a Texas woman for a medical debt. She sent a written dispute and validation request in response.

URC failed to send the required original creditor invoice or adequate validation documentation. Despite that failure, URC continued collection activity. The consumer filed an FDCPA complaint alleging URC used deceptive and misleading means to collect a debt.

FDCPA Section 1692g requires that all collection activity cease after a written validation request until the agency provides adequate documentation. Continuing collection without producing that documentation is the core violation the case established against URC.

Common URC Complaint Patterns

• Providing a printout instead of required validation documents: A documented consumer complaint describes URC responding to a validation request with a printout that did not include the legally required information, then refusing to comply further on four separate disputed accounts.
• Reporting balances the original creditor cannot confirm: A 2026 BBB complaint documents URC reporting an $837 collection balance the original creditor could not verify as accurate.
• Insurance never billed before collections: A 2026 BBB complaint describes a patient with coverage whose hospital never billed the insurer, resulting in a self-pay balance incorrectly referred to URC.
• Threatening arrest and wage garnishment: A documented consumer complaint describes a URC representative threatening arrest and wage garnishment, both of which are illegal under the FDCPA.
• Going unresponsive after initial contact: Multiple complaints describe URC becoming unreachable after the initial collection notice, leaving disputes unresolved for months.

What URC Cannot Do Under Federal and Texas Law

• Fail to provide required validation documentation: The 2017 federal case established that a printout does not satisfy URC’s validation obligation. The original itemized bill and proof of insurance billing must be produced.
• Continue collection after a written validation request: All activity must pause until URC produces compliant documentation in response to a written dispute.
• Threaten arrest or criminal consequences: Threatening arrest for an unpaid medical debt is an explicit FDCPA violation under Section 1692e.
• Make empty threats of legal action: The Texas Debt Collection Act prohibits threatening legal action a collector has no intention of taking.
• Contact outside legal hours: Calls before 8 a.m. or after 9 p.m. local time are prohibited.

Texas Debt Collection Act Protections

Texas residents dealing with URC have additional state-level protections under the Texas Debt Collection Act (TDCA). Unlike the FDCPA, the TDCA applies to a broader range of collection conduct and can be enforced by the Texas Attorney General’s office.

File complaints with the Texas AG in addition to the CFPB for Texas-based enforcement weight against this Arlington-based collector.

Verify Before Paying URC

Send a certified validation letter demanding the original itemized medical bill with CPT codes, the insurance Explanation of Benefits showing what your insurer paid or denied, proof that insurance was billed before collections, the name and address of the original provider, and written confirmation that URC’s reported balance matches the provider’s own records.

If the original provider cannot confirm the balance, as documented in the 2026 BBB complaint, file immediate disputes with all three bureaus citing FCRA accuracy requirements.

How to Check Your Credit Report

Pull all three reports at AnnualCreditReport.com and look for United Revenue Corp or URC as the furnisher. Confirm the original medical provider, service date, and balance.

Paid medical balances and medical balances under $500 should not appear under current credit bureau voluntary policies. Dispute any such entry directly with each bureau.

How Long Can URC Legally Pursue the Debt?

Texas allows four years on most written contracts including medical service agreements. The clock runs from the date of first default. The credit reporting window is a separate seven-year clock from the original date of first delinquency.

Your Options for Resolving the Account

• Demand full validation documentation: A printout does not satisfy URC’s obligation. Demand the original itemized bill with CPT codes and proof insurance was billed before any payment.
• Confirm the balance with the original provider: The 2026 BBB complaint shows URC can report balances the original facility cannot verify. Contact the provider directly to compare records.
• File with the Texas Attorney General: The Texas Debt Collection Act gives state-level enforcement tools against URC as a Texas-based collector.
• Dispute entries violating medical debt policies: Any paid balance or balance under $500 can be disputed directly with all three bureaus under current bureau voluntary medical debt policies.

How to Contact United Revenue Corp

Handle all communication in writing. Send disputes by certified mail with return receipt requested:

• Address: United Revenue Corp, 204 Billings St., Suite 120, Arlington, TX 76010
• Phone: (800) 999-8685 or (817) 633-3872

Bottom Line

United Revenue Corp is a small Arlington medical collector with an F BBB rating, a 2017 federal case over failing to produce required validation documentation, and documented complaints for threatening arrest and reporting unconfirmed balances.

Never accept a printout as validation. The 2017 case establishes the standard URC must meet. If the documentation does not include the original itemized bill and proof of insurance billing, URC has not met its legal obligation and collection must cease until it does.

If a URC account is on your credit file, the right move depends on whether insurance was properly billed first, whether the reported balance matches the original provider’s records, and whether URC produced compliant documentation after your written request.