United Collection Bureau (UCB) on Your Credit Report? Fight Back and Win

Last Updated:
April 14, 2023

As a consumer, receiving calls or texts from debt collection agencies like United Collection Bureau (UCB) can be an intimidating experience. That said, it's essential to understand who UCB is, why they are calling you, and the possible consequences this may have on your credit score.

In this article, we’ll provide you with all the necessary information about UCB, their collection practices, and what steps you can take to resolve any issues with them effectively. Let our FCRA attorneys at Fair Credit assist you in protecting your rights and achieving positive outcomes. Contact us today for more information.

Is United Collection Bureau a Scam?

United Collection Bureau, Inc (UCB) is a legitimate debt collection agency that has been in business for many years. However, they have also been the target of several consumer complaints, as people accuse them of using aggressive or unfair tactics to collect debts.

If you're not sure whether you’re getting a call from a legitimate debt collector or a scammer, it's important to check your credit report and verify the accuracy of any debt they claim you owe. You should also look into their business license and online reviews/complaints to ensure that they are following the law.

Protecting your rights is paramount when dealing with debt collectors, so be sure to research before proceeding.

How Can I Contact United Collection Bureau?

Suppose you've been contacted by UCB for a tax debt that you don't believe is yours. In this case, it's essential to check your credit report and contact United Collection Bureau directly to verify the information provided.

You can reach UCB using the following methods:

  • Phone Number: 1-866-209-0622
  • Website: www.UCBinc.com
  • Mailing Address: 5620 Southwyck Blvd, Toledo, OH 43614

When speaking with UCB, make sure to remain calm and professional while asking any questions you may have regarding the verification of the debt in question. If you feel uncomfortable or harassed during the call, hang up and seek legal help straight away.

Who Does UCB Collect For? 

UCB collects debts for various industries, including healthcare, financial services, and retail. Some of their most notable clients include federal and state governments, hospitals, credit card companies, and department stores.

If you have an outstanding debt with one of these companies, it's possible that UCB has been hired to collect the debt on their behalf. However, it’s important to note that they also collect for countless other businesses.

Why is United Collection Bureau Texting Me & Calling? 

UCB may reach out to you via phone call, email, or text message if you owe an outstanding debt. Common reasons for their contact include unpaid medical bills, credit card balances, retail accounts, personal loans, and/or taxes.

However, in some cases, they may contact you about a debt that’s inaccurate, false, or mistaken. In that case, our attorneys can help you dispute the credit reporting error and get it taken off your credit.

UCB is permitted to contact you regarding an outstanding debt, according to the FDCPA. However, they must never resort to using unfair or harassing tactics – any such actions should be met with legal action immediately.

Will United Collections Bureau Sue Me?

Even if the amount of debt you owe is significant, it's unlikely that United Collections Bureau will take legal action against you. However, ignoring the debt will increase the likelihood of such a consequence. Therefore, it's essential to address the debt as soon as possible in order to avoid any potential future legal issues.

How Can I Negotiate a Pay-For-Delete With UCB?

If you're hoping to negotiate a pay-for-delete agreement with United Collection Bureau, follow these steps:

  • If you know the debt to be valid, offer to pay the debt in full or in a lump sum settlement in exchange for a pay-for-delete agreement.
  • Get the agreement in writing before making any payments.
  • Once you've paid the agreed-upon amount, follow up with UCB to ensure they've deleted the account from your credit report.
  • Keep all correspondence and records of payments made in case of any future disputes.

Negotiating a pay-for-delete agreement is a delicate process, and it's crucial to approach it with a clear understanding of your rights and the potential consequences. Consider consulting with an experienced FCRA attorney for guidance and to ensure that your rights are protected throughout the process.

What Can I Do If I Don’t Owe The Debt?

If you believe that the debt UCB is attempting to collect isn't rightfully yours, there are a few steps you can take:

  • Dispute the debt

If you don't believe the debt to be yours, dispute it with UCB and the credit bureaus. This will require an investigation into the validity of the debt.

  • Seek legal help

Reach out to an attorney if you believe that UCB is engaging in unfair or illegal practices during the collection process. An attorney can guide you on your rights and potential legal action. Contact Fair Credit now for a free case review. We will dispute any credit report errors on your behalf.

United Collection Bureau is one of the country's largest and most prominent debt collection agencies. However, that doesn’t give them the right to report inaccurate information or ignore your requests to remove it.

Continue reading to learn how our attorneys can help you stop the calls from UCB and remove them from your credit report for good.

Get United Collection Bureau Off Your Credit ASAP - Contact Us Today

Struggling with United Collection Bureau or another debt collector? We are here to help. At Fair Credit, our expertise lies in helping consumers understand their rights under the FCRA and taking action against those that break these laws. 

Whether you're looking to dispute a debt, negotiate a pay-for-delete agreement, or take legal action against UCB, our team of experienced FCRA attorneys is ready to provide you with a free consultation. Contact us today for your free case review.

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