Who Is Unifin? Why Are They Calling Me?
Most commonly for attempts to collect debt not owed
Contact Unifin
- Address to send a debt validation letter
- Unifin, Inc. 8950 Gross Point Road Skokie, IL 60077-1854
- Phone
- 1-888-572-3987
- Official website
- https://www.unifininc.com
As of 2026-08-07 — verify before mailing anything important, since collectors do change addresses.
Unifin, Inc. is an Illinois-based debt collector that operates as both a debt buyer and a third-party collection agency, pursuing charged-off consumer accounts it purchases directly as well as accounts it collects on behalf of creditors. The BBB has logged hundreds of complaints against Unifin, most commonly alleging the company tried to collect debts consumers didn’t owe or kept contacting people, including at work, after being told to stop. If Unifin is contacting you, send a debt validation letter in writing before paying anything, and see your rights when a collector won’t stop calling if it continues after you’ve disputed the debt.
If this is the first time Unifin has reached out, see what to do the first time a collector contacts you. Being contacted doesn’t necessarily mean a lawsuit is coming, but collectors can and do sue over unpaid balances — check how long they can legally wait to sue in your state.
Questions & Answers
Is Unifin a legitimate debt collector?
Unifin shows up in the CFPB consumer complaint database, which tracks real complaints filed against real companies — so it is a legitimate, registered entity, not a scam name. That doesn't mean every call claiming to be from them is real; scammers impersonate real collectors. Verify what they're collecting before paying anything — see what to do the first time a collector contacts you.
— US Debt Compass Editorial Team
How do I stop Unifin from calling me?
Under the FDCPA, you can send Unifin a written cease-and-desist letter and they must stop contacting you except to confirm they've received it or to notify you of specific legal action. This doesn't erase the debt — it only stops the calls. See the cease-and-desist letter glossary entry for how to send one.
— US Debt Compass Editorial Team
How do I dispute a debt with Unifin?
Send a written debt validation request to Unifin's dispute address within 30 days of first contact — they must then verify the debt before continuing collection. See the contact details above for the current mailing address.
— US Debt Compass Editorial Team
Is Unifin on my credit report?
If Unifin is collecting on an account, it can appear on your credit report as a collection tradeline, separate from the original creditor's listing. Check your credit report directly to confirm, and see the credit report dispute guide if anything about the listing looks wrong.
— US Debt Compass Editorial Team