Is Collection Receivables, Inc. on Your Credit Report?
Short answer: Collection Receivables, Inc. (Collection Receivables) is a real, legitimate third-party collection agency based in Augusta, GA. It is not a scam — but a legitimate collector can still report a debt that is inaccurate, unverified, past the statute of limitations, or not even yours. You have the right to demand proof before you pay a cent.
Who Is Collection Receivables, Inc.?
If Collection Receivables, Inc. has written to you, the company behind the letter sits in Augusta, Georgia. Accounts handed to a third-party agency usually still belong to the original creditor, so Collection Receivables, Inc.'s authority rests on a servicing contract you never signed and are entitled to see. Its second-most-common complaint category is problems with the written notice about the debt (31 filings). Georgia accounts for the largest share of complaints against it (67 of 172), with the remainder spread across other states. It responded inside the CFPB's timeliness window on 99% of those complaints. The Augusta headquarters used here was corroborated across 4 independent public sources, because CFPB publishes the consumer's state rather than the company's address. A validation request costs a stamp and shifts the burden of proof onto Collection Receivables, Inc.
You may also see this company on your report or in letters as: Collection Receivables.
What most people don't know about Collection Receivables:
Collection Receivables, Inc. is named in 172 debt-collection complaints in the CFPB's public database, the single most common being attempts to collect a debt the consumer says is not owed (75 of them, 44%). The public response breakdown shows 18 closed with monetary relief and 5 closed with non-monetary relief. Complaint volume alone does not decide your account, but it is documented evidence you may reference.
Why Is Collection Receivables on My Credit Report?
Collection Receivables, Inc. typically collects consumer credit accounts, utility and telecom balances, medical bills. A collection like this usually lands on your report because:
- ✅ An original account (a consumer credit accounts, for example) went unpaid and was charged off.
- ✅ The account was placed with Collection Receivables, Inc. to collect on behalf of the original creditor.
- ✅ Collection Receivables, Inc. furnished the account to one or more of the three credit bureaus (Equifax, Experian, TransUnion).
Important: a collection account on its own does not prove you owe the debt or that the amount is correct. That's where your rights come in.
Your Rights When Collection Receivables Contacts You
Federal law — the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) — gives you powerful tools. Here is the playbook we use at Crowned Credit.
1. Debt Validation (FDCPA §809)
Within 30 days of first contact, send Collection Receivables a written debt-validation letter. They must prove the debt is yours, the amount is correct, and they have the legal right to collect. If they can't, they must stop collecting and it should come off your report.
2. Dispute With the Bureaus (FCRA §611)
You can dispute the Collection Receivables tradeline directly with Equifax, Experian, and TransUnion. The bureaus have 30 days to investigate. If the account can't be verified, the law requires it be deleted or corrected.
3. Cease-and-Desist
You can demand in writing that Collection Receivables stop contacting you. They can still report and sue, but they must stop calls and letters — useful for stopping harassment while you build your case.
4. Pay-for-Delete (in writing only)
If the debt is valid and yours, you may negotiate to pay in exchange for deletion of the tradeline. Never pay on a verbal promise — get the pay-for-delete agreement in writing first.
5. Statute of Limitations
Every state has a time limit on how long a collector can sue you for a debt. If the debt is "time-barred," Collection Receivables can still ask for payment but generally cannot win a lawsuit — and making a payment can dangerously restart the clock.
6. Protection From Harassment
The FDCPA bars Collection Receivables from calling at unreasonable hours, threatening you, or lying. Every violation is potential leverage — and may entitle you to damages.
How Crowned Credit Helps With Collection Receivables
We don't send cookie-cutter form letters. We investigate the specific account, assert every applicable right, and work it with all three bureaus and the collector directly.
Review & Validate
We pull all three bureau reports, find every error on the Collection Receivables entry, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and the collector. When they fail to investigate properly, we escalate to the CFPB and, where warranted, attorneys.
Track & Build
We monitor deletions in real time and coach you on rebuilding once inaccurate items are addressed.
See our transparent pricing — no long-term contracts.
Collection Receivables, Inc. — Frequently Asked Questions
Is Collection Receivables, Inc. a scam or a legitimate company?
Collection Receivables, Inc. is a real, registered third-party collection agency headquartered in Augusta, GA. It is a legitimate business — but "legitimate company" does not mean the specific debt it's reporting is accurate, validated, or even yours. Scammers do sometimes impersonate well-known collectors like Collection Receivables, so always demand written validation before paying anything.
Why is Collection Receivables, Inc. on my credit report?
If Collection Receivables, Inc. has written to you, the company behind the letter sits in Augusta, Georgia. Accounts handed to a third-party agency usually still belong to the original creditor, so Collection Receivables, Inc.'s authority rests on a servicing contract you never signed and are entitled to see. Its second-most-common complaint category is problems with the written notice about the debt (31 filings). Georgia accounts for the largest share of complaints against it (67 of 172), with the remainder spread across other states. It responded inside the CFPB's timeliness window on 99% of those complaints. The Augusta headquarters used here was corroborated across 4 independent public sources, because CFPB publishes the consumer's state rather than the company's address. A validation request costs a stamp and shifts the burden of proof onto Collection Receivables, Inc. It most commonly collects consumer credit accounts, utility and telecom balances, medical bills. It likely appeared after an original account went unpaid and was placed with them for collection. Collection Receivables, Inc. is named in 172 debt-collection complaints in the CFPB's public database, the single most common being attempts to collect a debt the consumer says is not owed (75 of them, 44%). The public response breakdown shows 18 closed with monetary relief and 5 closed with non-monetary relief. Complaint volume alone does not decide your account, but it is documented evidence you may reference.
Can Collection Receivables, Inc. be removed from my credit report?
Yes — inaccurate, unverifiable, or improperly reported Collection Receivables collection accounts can be removed. Under the FCRA, the credit bureaus must investigate your dispute, and if Collection Receivables, Inc. cannot verify the debt, it must come off your report. Crowned Credit reviews the account for errors, demands debt validation, and disputes it with all three bureaus.
Should I pay Collection Receivables, Inc. or dispute it first?
Do not pay before you validate. Once you confirm a collection is yours, accurate, and within the statute of limitations, you may consider a pay-for-delete agreement in writing. But paying an unverified or time-barred debt can restart the clock and lock in a negative entry. Get a free assessment before you send any money to Collection Receivables.
How long can Collection Receivables, Inc. report this debt?
Most negative collection accounts can remain on your credit report for up to seven years from the original delinquency date — not from when Collection Receivables, Inc. acquired or began collecting it. If the account is being "re-aged" to look newer, that is a reporting violation you can dispute.
Will Collection Receivables, Inc. sue me?
Some collectors and debt buyers do file lawsuits, especially before the statute of limitations expires. If you are served, do not ignore it. Validate the debt, check whether it is time-barred in your state, and get help. Most third-party agencies focus on collection rather than litigation, but you should still respond to any legal notice.
Other Collection Agencies on Your Report?
Local to North Carolina? We help residents statewide:
Ready to Improve Your Credit Score?
Take the first step towards financial freedom today. Schedule your free consultation with our credit repair experts.