Important information about Automated Collection Services Inc
Trying to figure out who owns the phone number 615-469-2789? If so, you should know it is Automated Collection Services Inc. They’re contacting you because they believe you have a debt with one of their clients (e.g. a hospital, city government agency, utility, or bank). ACSI is a third-party debt collection agency. That means they don’t own the debt themselves, but rather are contracted by the original creditor to try to collect it.
Has 615-469-2789 been calling you? Perhaps it’s even calling repeatedly? You’re not alone. RoboKiller alone has logged over 6,400 calls from this number. Plus, Nomorobo marked it as a robocall.
Before you answer or call back, or give them your money, you need to have a game plan. Here are the exact steps to protect your rights and silence their calls for good.
Full name: Automated Collection Services Inc. (ACSI)
Business structure: Third-party debt collection agency
Established: 1988
Location: Goodlettsville, Tennessee (suburb of Nashville)
Sectors they operate in: Healthcare, higher education, government, financial services
Employees and revenue: 100–500 staff, estimated $10–25 million in revenue
Better Business Bureau rating: A+ (accredited since 1996; 45 complaints in the last 3 years)
Licensed: Nationwide, with operations in the United States and Tijuana, Mexico
Notable clients: Vanderbilt University Medical Center, Metro Water Services (Nashville), City of Mobile Fire & Rescue (Alabama)
The Real Problem With Automated Collection Services Inc
ACSI has a pattern of complaints from consumers. 45 complaints on the Better Business Bureau in the last three years. 2.7/5 rating on WalletHub (out of 78 reviews, with 49% of those reviews being one-star).
In 2020, ACSI was sued in federal court for allegedly violating the Telephone Consumer Protection Act (TCPA). In the case, Caraballo v. Automated Collection Services, Inc. (Case No. 3:20-cv-00430), which was filed in the Middle District of Tennessee, the plaintiff claimed ACSI violated federal law by making robocalls and using an autodialer.
What is Automated Collection Services Inc calling me about?
Why they called you
ACSI is hired by original creditors to collect outstanding debts in four verticals: Healthcare, higher education, government, and financial services. If you have an overdue medical bill, a student loan in default, a past-due utility bill, or an old store credit card balance, your original creditor may have placed that debt with ACSI for collection. The debt still belongs to the original creditor; ACSI is simply acting on their behalf to collect it.
However, that doesn’t necessarily mean you owe a debt. In fact, many of the people who have complained about calls from this number ultimately found out that ACSI had the wrong person altogether. Before you assume the debt is valid, you need to verify that independently.
Wrong number or mistaken identity
A very detailed Better Business Bureau complaint about this number was posted in July 2025:
“Repeated phone calls starting approximately 19Feb2025 with no statement of purpose or naming of person they are trying to reach. On occasion phone calls have been within under 10 seconds of each other.”
“If I attempt to answer there is no response, just an empty phone connection.”
In response to this complaint, ACSI confirmed that the calls were to the wrong number:
“The phone number in question is associated with a different consumer.”
Someone who didn’t owe Automated Collection Services Inc anything at all was getting months of robocalls because they had the wrong phone number.
Step 1: Get Your Free Credit Reports Before You Do Anything
Why credit reports first?
The very first thing you should do is not to call Automated Collection Services Inc, nor is it to talk to anyone on the phone or give them your Social Security number and bank account information. The first thing you should do is request copies of your credit reports from all three major credit bureaus: Equifax, Experian, and TransUnion. This is completely free and easy to do, thanks to the website AnnualCreditReport.com.
Why? Because your credit report is your reconnaissance. It will tell you whether Automated Collection Services Inc has reported a collection account on your credit reports, who the original creditor was, and how much they claim you owe. That will inform everything you do going forward.
What to look for on your credit reports
On your reports, you are looking for any account with “Automated Collection Services” or “ACSI” as the company name, or perhaps an original creditor you don’t recognize. Note the balance due, the date of first delinquency, and whether this account appears on all three reports.
If you don’t find anything from Automated Collection Services Inc on any of your reports, that could be a sign the debt isn’t real or isn’t yours.
A WalletHub reviewer named Phillip described this phenomenon: “This is just the case of another collection agency taking over. I had disputed it, it came off my report, but then was back on under Automated Collections.”
If a debt truly is legitimate and yours, it will appear on your credit report. If you don’t find it there, it may not be real, or it might not be yours. That’s why it is so important to pull all three of your credit reports, and make sure you check each one carefully.
Step 2: Force ACSI to Validate the Debt in Writing
Your FDCPA rights
Under the FDCPA, you have a right to force Automated Collection Services Inc to validate any debt they’re trying to collect from you. You must make this demand within 30 days of their first communication with you.
Debt validation is simple: it means they have to prove, in writing, that this is your debt, that the balance is accurate, and that they have the legal authority to collect it from you.
Never talk without information. You should never make any payments, nor share any financial information, until Automated Collection Services Inc has validated the debt in writing. Do not rely on the promises of anyone on the phone.
Why collectors fail at validation
Remember, the reason for this playbook is to use the law in your favor, not theirs. Here’s how it works: Debt validation requires original documentation of your account. Most debt collection agencies don’t have that. Instead, all they have is a digital printout from their own computers. That’s not enough to validate.
One BBB complaint shows how Automated Collection Services Inc responds to requests for written validation: “I explained that English is my second language, and I prefer communication in writing so I can clearly understand and keep a record of any agreement. Despite this, they keep replying with the same message saying they do not communicate by email and insisting that I call them.”
“I need a breakdown of the debt and proof of ownership. They refused to provide.”
When Automated Collection Services Inc is pushing you to only communicate by phone and refusing to validate in writing, that’s a pretty good sign they don’t have what they need to prove what they’re claiming you owe.
Step 3: Dispute the Account Directly With the Credit Bureaus
How to dispute a credit report entry
Under the FCRA, you have the right to dispute any credit report entry directly with the credit bureau. When you dispute, the credit bureau must investigate and contact Automated Collection Services Inc to verify the information they reported. If Automated Collection Services Inc can’t verify, the credit bureau must delete that item from your report.
This approach is different than dealing with the debt collector. Instead of playing phone tag and negotiating on their terms, you’re forcing them to prove their case through a formal, regulated process.
What happens if they can’t verify
Most debt collectors are designed for quick turnaround. They want to make fast, easy money. If they have to spend time and money to verify, it’s not worth it to them. Especially if it’s a small balance. They’re not going to file a lawsuit over $200. A cost-benefit analysis says it’s better to move on to the next file.
A WalletHub reviewer named Allison described her experience with Automated Collection Services Inc: “I’ve tried to reach this company multiple times but cannot reach anyone. I’ve never received a letter or anything from them.”
If Allison can’t get anyone on the phone, how is Automated Collection Services Inc going to respond to a credit bureau investigation within 30 days?
Step 4: Consider Working With a Credit Repair Professional
Why you need help with credit repair
Disputing credit report items is a process. There’s a way to do it right, and a way to do it wrong. If you use the wrong language or the wrong documentation, you can get dismissed as “frivolous” and have to start over.
Before you do anything, you should consider consulting with a professional credit repair expert. They can help you navigate the situation and ensure everything is done correctly.
What can a credit repair professional do for you?
A credit repair expert can review your reports for any inaccurate or unverifiable accounts from Automated Collection Services Inc. They can dispute those accounts on your behalf. They can track the progress and make sure it gets done correctly and on time. And they can make sure that once the item is removed, it’s removed for good.
This is how you use the FCRA and FDCPA as offensive tools instead of defensive ones. Instead of waiting for Automated Collection Services Inc to prove you owe them money, you challenge them to meet their burden. And when they can’t, the account gets removed.
Conclusion
The calls from 615-469-2789 won’t stop unless you make them. Automated Collection Services Inc is using a predictive dialer to blast out calls every few seconds, across multiple outbound phone numbers. If you’re ignoring the calls, it won’t make the problem go away.
Here’s the playbook again: Pull your credit reports and identify any accounts with Automated Collection Services Inc. Dispute anything that’s inaccurate or unverifiable. Don’t pick up the phone. Don’t call them back. Don’t give them your Social Security number or bank account information. Don’t make a payment unless they can validate the debt in writing.
If you need help with any of this, consider reaching out to our team at FightCollections.com for a free consultation. Our credit repair specialists can help you dispute collection accounts with Automated Collection Services Inc and walk you through the process from start to finish. You have to take action if you want to make the calls stop.