T-Mobile Collections Agency on Your Credit Report? Fight Back and Win

Last Updated:
April 10, 2023

If you’ve found T-Mobile Collections Agency on your credit report, it means that T-Mobile has hired a third-party debt collector to recover the outstanding balance on your account. That, or they’re pursuing debt collection activity themselves via their collections department.

However, in many cases, T-Mobile has been accused of sending accounts to collections that shouldn’t be there. If you believe that they have listed negative items on your credit report unfairly or unlawfully, we can help. Further, if you’re ready to negotiate a fair debt settlement agreement, we can help with that as well.

Contact us today for your free case review. Continue reading to learn more about T-mobile Collections Agency, their partners, and how you can get them off your credit report as soon as possible.

Why is My Account in Collections With T-Mobile?

There are various reasons why T-Mobile may have sent your account to collections. Some of these may be legitimate, whereas others may not be. Possible causes include:

  • Unpaid bills

Failing to make payments on time could result in T-Mobile sending your details for debt collection.

  • Disputes

Disagreements surrounding billing errors, service interruptions, or contract terms could all lead to the same outcome.

  • Fraudulent activity

Stolen credit cards used to pay bills or any other fraudulent activities could lead to collection action from T-Mobile.

  • FCRA violations

If T-Mobile has violated the Fair Credit Reporting Act (FCRA) by, for example, failing to give adequate notice of the account being sent for collections or supplying inaccurate information to credit bureaus, they would be liable.

If you're confused as to why T-mobile's collection department or a third-party debt collector is attempting contact with you, then it is possible that it could be an error on their part. Reach out today and find out how we can potentially remove it from your credit report right away.

Is The T-Moble Collections Agency Calling Me Legit Or a Scam?

It‘s crucial to make sure that any phone calls coming from T-Mobile Collections Agency partners are legitimate. If you’re uncertain about this, reach out to T-mobile directly (contact details below), look into the debt collection agency searching for payment from you, and review your credit report to verify if a debt has been reported. In the case that it may be a scam, notify the Federal Trade Commission (FTC) right away.

How Do I Contact T-Mobile Collections Department?

To contact T-Mobile Collections, you can call 1-800-936-8997 or visit their website. You can also send them a letter to their mailing address: 12920 SE 38th St Bellevue, WA 98006. When communicating with T-Mobile Collections, be sure to document all interactions and keep a record of any correspondence.

What Debt Collection Companies Does T-Mobile Work With?

T-Mobile works with many debt collection agencies, including its own in-house collections department. Some of the debt collection agencies T-Mobile may work with include Afni Collections, Credit Control Corporation, and EOS CCA. If you believe a collector is engaging in harassment, they can be held accountable for their actions.

What’s The Best Way to Resolve My Debt With T-Mobile?

When it comes to dealing with your T-Mobile debt, the best approach is to work directly with their collections department or third-party collection agency handling the debt. Make sure to verify that the debt is yours and receive all the necessary information regarding the amount owed, original creditor, and date of last payment.

Then you can try to negotiate a payment plan with the collection agency that works for you. Be honest about your financial situation and what you can realistically afford. Some debt collectors may be open to settling for less than you owe or setting up a plan that fits your budget.

Be certain any payment plan or settlement agreement is committed to writing and retain a copy for yourself. Additionally, take note of all payments made and double check they are being applied correctly to your account.

Alternatively, consider using a credit counseling service that can help construct a budget, negotiate with creditors and create a debt management system that can help you pay off the debt over time.

Promptly addressing the issue is key to resolving debt issues with T-Mobile. Not taking action, including dodging calls and ignoring bills, will only make matters worse, potentially leading to legal repercussions or damage done to your credit score.

What Are My Rights Under The FCRA?

The Fair Credit Reporting Act (FCRA) is a federal law that safeguards consumers from unfair or untruthful credit reporting procedures. This law grants consumers several rights when taking on credit reporting agencies and debt collectors, such as:

  • The right to dispute any false or incomplete information shown in your credit report
  • The right to receive a copy of your credit report every 12 months from all three major credit bureaus (Equifax, Experian, and TransUnion)
  • The right to ask the credit reporting agencies to delete inaccurate data from your credit report
  • The right to put a fraud alert or credit freeze on your credit report
  • The right to sue a credit reporting agency or debt collector that violates your rights under the FCRA

It's important to know your rights under the FCRA and how to exercise them properly. If you believe T-Mobile Collections Agency has breached any rights in accordance with the FCRA, then reaching out to an FCRA attorney should be done immediately.

Contact Us Today For A Free Consultation 

Do you believe that T-Mobile or one of the debt collection partners is reporting wrong or inaccurate information to the credit bureaus? Our FCRA attorneys are here to help you delete credit reporting agencies and demand that T-Mobile remove themselves from your report.

Additionally, if you think the debt is legitimate, we’re here to assist you in negotiating a fair debt settlement agreement. Don’t let a mistake or delinquent account stay on your credit longer than it has to. Get T-Mobile off your credit report for good – Contact us today for your free case review.

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