Action Revenue Recovery on Your Credit Report? Fight Back and Win

Last Updated:
April 27, 2023

You’re getting phone calls or letters from Action Revenue Recovery, and you have no idea why. What can you do? As it turns out, you have options if communications from Action Revenue Recovery are affecting your life negatively. 

It’s also possible you’ve never heard of Action Revenue Recovery until you checked your credit report and saw them listed. That led to a drop in your credit score, and now you’re dealing with financial consequences. Either way, there are solutions.

What Is Action Revenue Recovery?

Action Revenue Recovery is a nationwide debt collection agency. Other companies hire Action Revenue Recovery to collect unpaid debts, so they’re a third-party collection company. That’s why you don’t recognize the name if you hear from them or see them on your credit report—they’re not the original creditor.

Why Is Action Revenue Recovery Calling Me?

If you’re getting calls from Action Revenue Recovery, mail, or any other form of correspondence, it’s because they are trying to collect payment for a debt. They buy debt from different creditors who have given up on otherwise trying to collect it. Third-party collections companies like this one often pay very little for debt compared to what’s owed, then try to collect more than they pay.

When they’re calling you, it’s to demand payment. You might see their name appear on your credit report as a collections account, which can cause a major drop in your credit score. It will also make getting approved for loans and other types of credit challenging.  

Who Does Action Revenue Recovery Collect For?

Action Revenue Recovery collects for various companies that offer memberships, including fitness companies and gyms. They also collect for medical companies, such as radiology services providers and hospitals.

Is Action Revenue Recovery a Scam?

Action Revenue Recovery is a legitimate debt collection business and not a scam. Even so, that doesn’t mean they don’t have consumer complaints against them or that their information is always correct. 

While they’re a legitimate business, they aren’t accredited by the Better Business Bureau (BBB). There are also quite a few complaints about the company from consumers.

Many people who complained to the BBB about this debt collector say that they’ve been unable to get information about their debt to confirm it, even when they’ve requested it. Some people say that the company has violated federal laws about how debt collectors must behave by harassing them or being unprofessional. Many people with complaints against Action Revenue Recovery say they never received any initial information about the debt they owed.

Action Revenue Recovery is based in Louisiana. Their contact information is:

What Should You Do If Action Revenue Recovery Is Calling You?

If this debt collector calls you, federal protections are in place. One is called the Fair Debt Collection Practices Act. FDCPA limits what someone who’s a debt collector can and can’t do when attempting to collect certain types of debt. 

Under this law, companies like Action Revenue Recovery and the people who work for them can’t contact you at unusual times or places or harass you. There are limitations on how often a collections agency representative can contact someone in a certain period of time. They also can’t threaten you or behave abusively, even if you legitimately owe a debt. Debt collectors must be transparent and straightforward when they contact consumers. 

If this company calls you, contact a Fair Credit Reporting Act Attorney. An FCRA attorney can verify if you owe the debt they’re calling about because it’s common for people to have errors on their credit reports. It’s also important to check your credit and see if Action Revenue Recovery is listed there. There are three bureaus, and you should request a copy from each because information can vary. These are TransUnion, Equifax, and Experian. 

Once you check your credit report, you’ll better understand your financial situation.

Doing anything without talking to a consumer protection attorney first can worsen the situation you’re dealing with or prolong the dispute process. An FCRA attorney can, if needed, handle the dispute process effectively and efficiently so that you no longer have to deal with Action Revenue Recovery’s phone calls or negative impacts on your credit history. 

What Legal Protections Are Available?

The Fair Credit Reporting Act protects against misreporting of your credit information. The FCRA also puts firm limits on who can access your credit information and how that information can be used. 

If someone violates the FCRA, including a collector or creditor, it can lead to lower credit scores, higher interest rates, and outright credit denials for you, even if it’s not your fault.

Some of the frequent violations of the FCRA include:

  • Not reporting a debt discharged in bankruptcy
  • Reporting an old debt as a new one
  • An account you voluntarily closed is reported as accurate 
  • Including information that’s more than seven years old (or 10 in some cases, like bankruptcies)
  • Reporting a debt as you having charged it off when you paid it in full or settled it
  • Listing you as the debtor of an account when you were just an authorized user.
  • Reporting information on an account with previous reports of identity theft
  • Mixed files, meaning your information might have been mixed up with someone else’s who has a similar name to yours, for example.

Even when you go to a collections company and let them know they violate the FCRA, they might still not take steps to fix the issue, which is why an attorney specializing in this legal protection is needed. 

We Offer a Free Case Review

If you feel like Action Revenue Recovery is violating the FCRA, and you’re reading to stop the calls and get them off your credit report, it can feel like an uphill battle. You may feel like they’re ignoring you or not doing what they agree to do. If so, please get in touch, and our consumer protection attorneys at Fair Credit can provide you with a free case review, so you can learn more about the best next steps for you. 

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