CACi Debt Collection on Your Credit Report? Fight Back and Win

Are you getting calls from a company called Caci? Maybe you got a notice in the mail, or it's possible you haven't heard from them directly at all, and instead, you unexpectedly saw their name on your credit report when you checked it. If any of these situations sound familiar, you probably have some questions, including why they're trying to contact you and whether or not it's a scam.

What is Caci?

Caci is also sometimes known as Caci Debt Collection. This debt recovery company will call people or try to contact them in other ways to attempt to collect a debt. Debt collectors typically work as third parties. That means if you did have a legitimate debt Caci was trying to collect, it wasn't originally with this company. Instead, another company hired Caci to collect a debt for them, or they sold them the debt.

Who Does Caci Collect For?

Caci collects primarily for financial services providers like banks, credit unions, and similar companies. They also collect for healthcare services when people have delinquent accounts, utility companies, and education lenders.

Is Caci a Legitimate Company?

When you start getting phone calls from a company like Caci, your first thought is probably whether or not they're even legitimate. Getting scam phone calls, letters, and emails is so common that it's tough to know. Caci is a legitimate company and not a scam.

Caci is based in Missouri, and their contact information is:

• Website: www.cacionline.net
• Phone number: 877-449-4411
• Address: 500 Northwest Plaza, Suite 300, St. Ann, Missouri, 63074
• Email: ConsumerHelp@cacionline.net

While Caci is a legitimate third-party debt collection company, they still have a lot of consumer complaints against them. They're also not accredited by the Better Business Bureau. There's currently an alert on the BBB website about this debt collector because of how many complaints have been received.

These complaints are about debts posted to credit reports that weren't owed, consumers having difficulties validating their debt, and problems getting Caci to correct inaccurate information posted to credit reports. 

Many people complained that they never received any call or letter from Caci to let them know they even had a debt before it was posted to their credit report. There are frequent complaints of erroneous information that is ruining people's credit history. 

Some people say that they've gone as far as reaching out to the three credit bureaus to request that wrong information be removed from their accounts, and they've filed complaints with the Federal Trade Commission, and yet Caci has done nothing to remove the information from their reports.

How Can You Get Caci Off Your Credit Report?

If you're like so many other people who have written complaints with the BBB and online about Caci, your biggest concern is how you can get them taken off your credit report and potentially stop their phone calls. 

There are many reasons that errors can appear on a credit report. Even though it's not your fault and they're mistakes, until you have them removed, they continue to negatively affect your score and your ability to get new credit or make big purchases. 

Some of the most frequent reasons for errors that ultimately violate the Fair Credit Reporting Act (FCRA) include:

• Reporting an old debt as one that's new or re-aged
• A report of an account as active when you voluntarily closed it
• Including information that's more than seven years old (or, in the case of bankruptcies, more than 10)
• Providing credit information on an account where there's suspected identity theft
• Reporting late payments that you paid on-time
• Mixing up names and other identifying information

If a dispute is submitted on your behalf about a credit report and its accuracy, under the law, credit bureaus, as well as your creditors, including Caci, have to take it seriously. They're required to do certain things in response, including an investigation of your dispute, correcting wrong information, and also, if applicable, removing the debt being disputed from your report.

Violations related to dispute submissions include not conducting a reasonable investigation or failing to correct or delete inaccurate, unverifiable, or incomplete information within 30 days of receiving your dispute notice. Sometimes, the creditor might have up to 45 days.

A creditor, including a debt collector like Caci, has to legally provide certain notices about how credit information is being reported, handled, and used. For example, you might be eligible to have information removed from your report if a creditor doesn't notify you of your right to dispute inaccurate information or the creditor doesn't identify the source of the credit information they have about you.

What Steps Should You Take If Caci Isn't Following the FCRA?

The FCRA and Fair Debt Collections Practices Act (FDCPA) are important federal legal protections. If you feel like Caci isn't following these by not providing you with information about the debt they're trying to collect, or they're doing something else that isn't in line with the law, you have options available to you.

If possible, the first step when you hear from a debt collector or see them listed on a credit report is to contact an FCRA attorney. An attorney can contact the company on your behalf and also handle the dispute process. 

Working with an attorney shows Caci that you are serious about the protection of your financial rights and also takes the burden off you of dealing with this company. 

If Caci is using threats, harassment, or deception when they attempt to contact you, this violates the FDCPA, which could require working with an attorney who specializes in this area. Even if someone legitimately owes a debt, that doesn’t mean debt collection agencies can contact them constantly or behave in a way that goes against the provisions of the FDCPA. 

Get a Free Case Review

If you're tired of the calls and want to get Caci off your credit report, contact Fair Credit today. Our FCRA attorneys can help you clear your credit and move forward financially. We offer a free review of cases, so please reach out today.