Reliant Capital Solutions on Your Credit Report? Fight Back and Win

When you have an error on your credit report from a company called Reliant Capital Solutions, or you’re getting calls from them, it can lead to lasting damage. Some steps can be taken to deal with Reliant Capital Solutions without worsening the problem. You can repair your credit report, stop unwelcome phone calls and move forward.

What Is Reliant Capital Solutions?

Reliant Capital Solutions, or RCS, is a third-party debt collector in Gahanna, Ohio. So, what exactly is a third-party debt collector?

When someone has an original account with a creditor or company, and they become late or delinquent on their payments, that company might try to collect what’s owed for a while. They’ll use internal collectors and primarily send you bills and notices by mail. Eventually, the company might decide they aren’t able to collect what’s owed.

They might then contract a third-party debt collector to work on their behalf. The original company might also charge the debt off and sell it, usually for much less than what it’s worth, to a third-party collector.

Debt collectors are generally third parties contracted to collect on an account. Reliant Capital Solutions works this way. They don’t buy debt—they work for the original creditor.

Who Does Reliant Capital Solutions Collect For?

Most third-party collections agencies will work in specific industries. The types of companies and entities that Reliant Capital Solutions collects for include:

• Higher education, including community colleges and statewide systems. Reliant Capital Solutions also collects for private and public higher education institutions.
• Financial services
• Healthcare
• Government services at the federal, state, and local levels.
• Commercial businesses (business-to-business collections)

Why Did RCS Call Me?

If you get a phone call from Reliant Capital Solutions, they are likely attempting to collect a debt from you or possibly someone you know.

Is Reliant Capital Solutions a Scam?

RCS is a legitimate company and not a scam. While the company’s real, there is problematic information issued against them. For example, according to the Better Business Bureau, this debt collector contacts consumers and falsely represents that they’re from a government entity. According to BBB complaints, for example, consumers say the company indicates they’re directly from the Attorney General’s office.

This violates federal law, the Fair Debt Collection Practices Act. Debt collection agencies are strictly prevented from falsely stating complaints are filed against a consumer. They are legally required to disclose that their communication is from a debt collector, and they can’t call consumers without disclosing their identity. It’s also illegal to imply or falsely state they’re working in any capacity that they’re not.

Other consumer reviews say the company calls them multiple times a day, every day. Consumers report receiving unverifiable and inaccurate information from them, and some reviews say the company continues to call even when they’ve sent in paperwork proving fraud. Reviews say that this company keeps sending them correspondence in someone else’s name, yet the unverified account shows up on their credit report and affects their score.

Many consumers say they’ve sent disputes to the company and proof to support their claim, yet they continue to see collections accounts showing up on their credit reports.

Reliant Capital Solutions and the Fair Credit Reporting Act

Reliant Capital Solutions and other debt collection agencies have to follow a number of laws. Two of the main ones are the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act.

The FDCPA focuses primarily on how a debt collector is allowed to communicate with you. Collections agencies are required to be transparent and forthcoming with all information. They can’t use harassment or threats, nor can they misrepresent who they are and why they’re calling.

 Debt collectors are limited in how often they can contact you in a certain window of time and when they can contact you. For example, a debt collector calling you very early in the morning or late at night is in violation of the FDCPA.

The Fair Credit Reporting Act is a law that protects you in terms of the accuracy, privacy, and fairness of your credit and personal financial information.

Your rights under the FCRA include:

• You must be told if anything in your credit history is used against you.
• You’re able to request and get all the information in the files of a consumer reporting agency.
• You can ask for a credit score.
• It’s your legal right to dispute anything that’s not complete or inaccurate. 
• A consumer reporting agency must correct or delete unverifiable, incomplete, or inaccurate information, usually within 30 days.
• Consumer reporting agencies can’t report negative information that’s outdated.
• Access to your credit information is limited.
• Employers have to get your consent to access your credit information.

What does this mean if you see Reliant Capital Solutions listed in your credit report or they’re calling you? It means that you have extensive FCRA rights.

The best way to deal with Reliant Capital Solutions is to contact an FCRA attorney first. An FCRA attorney can do the following:

• Contact Reliant Capital Solutions on your behalf to verify the information they’re calling about.
• Determine the next steps to take with the company.
• If relevant, dispute some or all of the information the company contacts you about on your behalf.
• Ensure that Reliant Capital Solutions completes an investigation within the required window of time.
• Pursue the removal or correcting of wrong information so that your credit is no longer affected.
• Even if you legitimately owe the debt, an FCRA attorney can help outline the best course of action for you, to avoid making the situation worse.

How to Get Reliant Capital Solutions Off Your Credit Report

If you try to dispute something with Reliant Capital Solutions on your own, there are risks. They might be unresponsive or unwilling to take the steps to correct wrong information. Even worse, talking to a debt collector might lead to consequences like a restart of the statute of limitations for the debt.

Instead, to get Reliant Capital Solutions off your credit report and stop their calls for good, contact Fair Credit. Our FCRA attorneys offer free case reviews to best help you.