You’re getting calls from a company called 11 Sprint, saying that you owe money, yet you’ve never heard of them before. Maybe you checked your credit report, and it’s listed there as a collections account, and you don’t know why.
If these situations sound familiar, you’re not alone. Countless people get calls from companies like 11 Sprint, or their first time seeing the name is when they happen to check their credit report, and they don’t know what to do.
If this sounds like you, there are solutions to help you deal with 11 Sprint and get this collections account off your credit report so it’s no longer negatively affecting you.
11 Sprint is a third-party debt collection company. Third-party collections companies aren’t who you originally did business with, which is likely why you don’t recognize the name. Instead, other companies that extend credit to consumers will sell customer debt to these companies or contract them to collect on their behalf.
If you start getting calls or see 11 Sprint on your credit report, your first thought could be that it’s a scam. It’s not a scam in that they are a real debt collector, but that doesn’t automatically mean you owe the debt they’re contacting you about. There are a number of consumer reviews complaining about 11 Sprint, including the validity of the debt they try to collect.
Like many third-party debt collectors, 11 Sprint doesn’t disclose the specific companies they work for, but they tend to collect across various industries.
If 11 Sprint is calling you, it’s because they believe you owe a consumer debt. Whether or not you do is something that deserves investigation. If you haven’t checked your credit recently and you start to get calls from a company like 11 Sprint, it’s a good time to do so.
Check your reports from the three primary bureaus: Experian, Equifax, and TransUnion. People are often shocked when they see errors in their reports. We assume the information is going to be accurate, but in a study done recently, when asked to review their report, more than one-third of participants found a mistake.
These mistakes can include:
Your information often varies between the three bureaus, which is why it’s important to check reports from all of them regularly.
In many situations, even if you take the proper steps to dispute an error affecting your credit score, the creditor or collections company doesn’t do its part. Unfortunately, failing to take certain actions violates the Fair Credit Reporting Act (FCRA), which is a federal law.
You have rights as a consumer if you’re dealing with 11 Sprint under this law. For example, a creditor has to notify you about a debt and the details of it. Many debt collectors don’t uphold this legal requirement. As a result, contacting an FCRA attorney can be the best first step any time you hear from a company that is a debt collection agency, or see a collections account on your credit report.
An FCRA attorney can review your case and then take the next steps on your behalf, including disputing incorrect debts.
If a dispute is submitted on your behalf, creditors and collections companies must investigate it and report their findings, otherwise, they’re violating the FCRA.
There are also situations where 11 Sprint and other similar debt collectors say they’ll remove incorrect information from your report yet fail to do so if you try to handle the dispute on your own. Consumers might try to report it to consumer protection entities, yet they don’t get anywhere. It’s frustrating, and your score continues to be affected, which can stop you from getting credit and making big purchases, like homes and cars.
Along with the FCRA, even if you legitimately owe a debt, that doesn’t mean 11 Sprint or any debt collector can use harassment, intimidation, or threats. According to the Fair Debt Collections Practices Act (FDCPA), enacted in 2021, if a debt collector harasses you, abuses you, or tries to contact you in inconvenient ways intentionally, they’re violating this law.
To move forward in your life and potentially stop an onslaught of phone calls, you need to remove 11 Sprint from your credit report. FCRA attorneys specialize in helping consumers get collections accounts removed from their credit when other strategies aren’t working.
If you’re in a situation where 11 Sprint is wreaking havoc on your finances, and you want it off your report, and you also want the phone calls to stop, Fair Credit has a team of attorneys specializing in the FCRA and can help. Please contact us today for a free consultation and review of your case.