Consumer complaint received 2018-05-03
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This correspondence is in lieu of the fact the company has yet to complete a full validation of debt. I requested the following to be completed and to date they are not : 1. The agreement which authorizes the creditor to collect debt on the alleged debt 2. The signed agreement from the debtor conforming to pay the creditor 3. The documents regarding the payments made on this account validating the amount.

4. Documentation showing you are licensed to collect debts in Ohio.

This is still showing up on my credit report although I do not have full validation of debt. The alleged debt needs to be removed immediately and expedited. The company needs to be advised that the billing is questionable, disputed and after reviewing this, it appears to be not owed to the best of my knowledge. In addition, this company has made me feel threatened, using violations and has used threats of calling the cops, therefore it is very difficult to remedy this issue alongside causing severe stress to my health. 

cc below my initial concerns and requests : First Federal Credit Control XXXX XXXX XXXX # XXXX XXXX OH XXXX XX/XX/18 Re account : XXXX To whom this may concern, This letter is to inform you that I still do not have any validation of debt, however this still remains on my credit report. This needs to be removed immediately and expedited. This is a clear violation, in addition to this violation, we have at hand the fact that First Federal Credit Control threatened to call the cops on me. This is all due to an alleged debt that still remains on my credit report. This means of intimidation and threats is unacceptable by the FDCPA. Please note these threats are a violation that is remedied by a {$1000.00} payment. You need to rectify and remove this alleged debt from my credit report immediately. CC below my initial complaint with official VOD demand. 


I was going through a copy of my credit report and noticed that there was a collection from your agency on my credit report, which I was not notified about. I dont refuse to pay, but this is a notice that your claim is disputed. 

In accordance with the FDCPA, I have the right to request for a validation of my debt. This is asking for proof regarding this and verifying the same. 

You must be aware that reporting such inaccurate information will result in defamation of character and it would leave a dark patch in my credit report. You are supposed to stop all collection activities, including reporting this information on my credit report. I am sure you are aware of the fact that non-compliance with this request will lead to legal trouble. Please attach copies of the following with the reply : 1. The agreement which authorizes the creditor to collect debt on the alleged debt 2. The signed agreement from the debtor conforming to pay the creditor 3. The documents regarding the payments made on this account validating the amount.

4. Documentation showing you are licensed to collect debts in Ohio. 

Because I am writing you within 30 days of becoming aware of this debt, you must cease attempting to collect this alleged debt until after you send the requested information. Any attempt to collect this debt without validating it violates the FDCPA. Also be advised that I am keeping records of all correspondence from you and your company, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX. I have disputed the debt, therefore until it is validated your information concerning this debt is assumed to be inaccurate. Accordingly, you must inform the Credit Bureau immediately and any other credit reporting agency of my dispute of this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681 s2. Finally. If you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also ware that I dispute this debt. This is an official VOD demand.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation