Is Falls Collection Service Inc. on Your Credit Report?
Short answer: Falls Collection Service Inc. (Falls Collection Service) is a real, legitimate third-party collection agency based in Sioux Falls, SD. 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 Falls Collection Service Inc.?
Falls Collection Service Inc. runs a third-party collection agency out of Sioux Falls, South Dakota. Falls Collection Service Inc. did not extend you the original credit, so the documents linking you to the specific balance are the first thing to request. Public CFPB records list 44 debt-collection complaints naming Falls Collection Service Inc., which is worth reviewing before you send this Sioux Falls office any payment or written response.
You may also see this company on your report or in letters as: Falls Collection Service, Falls Collection Service Inc.
What most people don't know about Falls Collection Service:
Against Falls Collection Service Inc. the CFPB has logged 44 debt-collection complaints — a matter of federal public record, and a reasonable reason to insist on written validation from this Sioux Falls, South Dakota operation.
Why Is Falls Collection Service on My Credit Report?
Falls Collection Service Inc. typically collects consumer credit accounts, retail and installment accounts, 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 Falls Collection Service Inc. to collect on behalf of the original creditor.
- ✅ Falls Collection Service 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 Falls Collection Service 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 Falls Collection Service 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 Falls Collection Service 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 Falls Collection Service 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," Falls Collection Service 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 Falls Collection Service 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 Falls Collection Service
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 Falls Collection Service 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.
Falls Collection Service Inc. — Frequently Asked Questions
Is Falls Collection Service Inc. a scam or a legitimate company?
Falls Collection Service Inc. is a real, registered third-party collection agency headquartered in Sioux Falls, SD. 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 Falls Collection Service, so always demand written validation before paying anything.
Why is Falls Collection Service Inc. on my credit report?
Falls Collection Service Inc. runs a third-party collection agency out of Sioux Falls, South Dakota. Falls Collection Service Inc. did not extend you the original credit, so the documents linking you to the specific balance are the first thing to request. Public CFPB records list 44 debt-collection complaints naming Falls Collection Service Inc., which is worth reviewing before you send this Sioux Falls office any payment or written response. It most commonly collects consumer credit accounts, retail and installment accounts, medical bills. It likely appeared after an original account went unpaid and was placed with them for collection. Against Falls Collection Service Inc. the CFPB has logged 44 debt-collection complaints — a matter of federal public record, and a reasonable reason to insist on written validation from this Sioux Falls, South Dakota operation.
Can Falls Collection Service Inc. be removed from my credit report?
Yes — inaccurate, unverifiable, or improperly reported Falls Collection Service collection accounts can be removed. Under the FCRA, the credit bureaus must investigate your dispute, and if Falls Collection Service 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 Falls Collection Service 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 Falls Collection Service.
How long can Falls Collection Service 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 Falls Collection Service 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 Falls Collection Service 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.
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