Consumer complaint received 2020-06-03
Company: First Federal Credit Control, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been trying to get this issue resolved for several weeks now. I have contacted XXXX XXXX back on XX/XX/XXXX and the office took my message and info, and stated someone would call me back which has not happened. I also have left several messages on the recording of the billing department and has not yet received a call back either. I called today XX/XX/XXXX to XXXX XXXX XXXX and finally spoke to XXXX who was very pleasant and who advised I had a past due balance of {$68.00} due from a previous insurance deductible back in XXXX which I never knew I had because I had appointments after this, it was never mentioned or neither was I given any correspondence. She also stated it had gone to collections years ago which is why it showed that I did not owe anything and had a {$0.00} balance " in office ''. I called XXXX XXXX  and spoke with XXXX who advised they are working " off site '' ( working from home ) and someone by the name of XXXX will be contacting me. She also stated XXXX would be contacting me from a " blocked number ''. I provided my work phone number of XXXX and asked that this number does not be used for collection purposes. I am very skeptical about paying this because 1 ) .what company calls from a " No Caller ID '' or " blocked number '' and 2. ) by law any debt collector who contacts you claiming you owe on a debt is required by law to tell you certain information about the debt. That information includes : -The name of the creditor and amount owed -That you can dispute the debt and that if you dont dispute the debt WITHIN 30 days the debt collector will assume the debt is valid -That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt -That if you request the name and address of the original creditor within 30 days, if different from the current creditor, the debt collector will provide you that information. 

My aunt advised me to have the collection debt to be verified and to also ask for a pay to delete so it could be taken off of my credit from all credit bureaus before paying in which I did ask XXXX XXXX from First Federal Credit Control to provide. XXXX stated they do offer pay for delete, however I would not be able receive this in writing until the balance is paid. She stated she spoke with me in XXXX which I stated was not true and asked that she also provide proof of this conversation. 

I also received the following response from First Federal Credit Control : We are a third party collection agency collecting on behalf of the creditor as a business associate. They are permitted to provide us with the information so we can collect the debt on their behalf. We are not required to provide proof of a conversation. When the account is cleared up we can remove and report it back to our client. Do to the request in this complaint we will send Ms XXXX the verification of charges. The account is marked as disputed with the credit bureaus.

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