Action Collection Service (ACS) is a real debt collection agency. They are headquartered in Idaho. It can be confusing when you are contacted by Action Collection Service because there are multiple debt collection agencies with similar names, and Action Collection Service collects across multiple states.
If you are contacted by a debt collector and it feels like it may be a scam, know that you have the right to request verification of the debt, and they cannot try to collect the debt while it is being verified.
Having debt is not illegal, however, some debt collectors make you feel like you’ve committed a crime. As a consumer you have rights that protect you from harassing debt collectors. The Fair Debt Collection Practices Act (FDCPA) prevents debt collection agencies from using abusive tactics when trying to collect a debt. This does not mean that all debt collectors follow the rules.
These are only some of the illegal and abusive tactics that some debt collection agencies may use.
The FDCPA also gives you the right to dispute a debt that you do not believe that you owe. If you requested verification of a debt and it still does not sound right to you, you can dispute the debt. Once you file a dispute with Action Collection Service, they will have 30 days to investigate your claim that the debt is false and make any updates to the file.
Address: 6148 N Discovery Pl #100, Boise, ID 83713
If you have disputed a debt it is also important to monitor your credit report for errors. If the debt is reported there, you may need to file a dispute with the credit reporting agency. Another reason to check your credit report for errors when contacted about a debt you do not owe, is identity theft. If you start to have collections on your credit report for accounts you never opened it may be a sign of identity theft.
Francis Mailman Soumilas, P.C. is a consumer protection law firm. Our attorneys have been fighting for the rights of consumers, like you, for over 20 years. Know your rights and fight back against debt collection harassment.
If you were harassed by Action Collection Service you may be entitled to damages. Find out if you have a case, get your free case review by calling 1-877-735-8600 or fill out the online case review form.
If you have a case there is no out-of-pocket cost to you.