Consumer complaint received 2021-07-06
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I HAVE CONTACTED FIRST FEDERAL CONTROL REGARDING SEVERAL COLLECTION ACCOUNTS ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I SENT A CERTIFIED LETTER TO FIRST FEDERAL CONTROL REQUESTING VALIDATION NOT VERIFICATION. FIRST FEDERAL CONTROL DID NOT SEND ME ALL THE DOCUMENTATION THAT I REQUESTED ALSO I STATED THAT IF THERE IS ANY NEGATIVE MARKS ON ANY OF THE 3 CREDIT BUREAUS ( EQUIFAX, EXPERIAN, TRANSUNION ) THAT IT NEED TO BE DELETED WHILE IN DISPUTE. FIRST FEDERAL CONTROL IS A COLLECTION AGENCY AND NEED TO FOLLOW THE FCDPA LAWS NOT THE FCRA LAWS. THE LETTER I SENT CERTIFIED TO FIRST FEDERAL CONTROL STATES : To Whom It May Concern : First Federal Control Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC1692gSec. 809b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time, I will also inform you that if your offices have or continue to report unvalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX  ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 

I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request with 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.

CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein I agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged creditor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt.

Commission for debt collector if collection efforts are successful.

Please provide the name and address of the bonding agent for First Federal Control in case legal action become necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. 

Best Regards XXXX XXXX Cc Federal Trade Commission I ASKED FOR ALL THE DOCUMENTATION ABOVE AND FIRST FEDERAL CONTROL DID SEND ALL THE DOCUMENTATION REQUESTED. THESE 4 ACCOUNTS THAT FIRST FEDERAL CONTROL HAS PUT ON MY CREDIT REPORT DO NOT BELONG TO ME AND THEY ARE DUE TO IDENTITY FRAUD.

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