Who is EZ Pass Collections?
EZ Pass is an electronic toll collection system widely used on toll roads, bridges, and tunnels in the United States. EZ Pass Collections primarily handles unpaid toll debts.
If a vehicle passes through an EZ Pass toll location without paying, it incurs a debt. This can occur for a couple of reasons. One reason might be that the vehicle doesn’t have an EZ Pass transponder. Another reason could be that the transponder account doesn’t have enough funds.
If you have unpaid tolls, you might see EZ Pass listed on your credit report as a collections account. This is because the unpaid tolls represent a debt you owe.
How can I remove EZ Pass Collections from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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EZ Pass Collections Contact Information
Address:
EZ Pass
750 Shipyard Dr.
Wilmington, DE 19801
Phone number: (973) 368-1425
Should I contact or pay EZ Pass Collections?
Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
The most effective way to deal with EZ Pass Collections is to work with a credit repair professional. They help remove millions of negative items every year from companies like EZ Pass Collections on behalf of their clients.
Will EZ Pass Collections sue me or garnish my wages?
EZ Pass Collections is entitled to sue you for the unpaid amount. However, the likelihood of a lawsuit or wage garnishment depends on many factors, such as the amount of the debt, the length of time the debt has been unpaid, and the regulations governing the entity.
Generally, entities like EZ Pass Collections prefer to recover debts through less confrontational means. They may send repeated notices or offer payment plans before resorting to legal action. Even if a lawsuit occurs, wage garnishment isn’t automatic. It usually requires a court order and is subject to state and federal laws.
EZ Pass Collections Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with EZ Pass Collections
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for EZ Pass Collections to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
- EZ Pass Collections cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- EZ Pass Collections must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- EZ Pass Collections cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove EZ Pass Collections From Your Credit Report Today!
Credit Saint offers assistance with disputing EZ Pass Collections collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
