Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
XXXX Email letter- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX First Federal Credit Control , Inc . 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX RE : Validation required XX/XX/2025 RE : Reference XXXX XXXXXXXX I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe. Provide a copy of my signature on a contract or document which holds me responsible for this alleged debt. 

Cease any credit bureau reporting until debt has been validated by me under the FCRA. 

Send me proof that you are licensed to collect debt in XXXX. 

Send this information to my address listed above and accept this letter as my formal debt validation request which I am allowed under the FDCPA. 

Upon receiving your reply with the above requested proof, I will correspond back to you. 

Sincerely, XXXX XXXX XXXX email letter I have requested validation of debt from you ( First Federal Credit Control Inc. ) and you assure me in the above string email that XXXX XXXXXXXX XXXX XXXXXXXX will provide me with the requested information. That was XX/XX/2025. I have not received anything as yet from them, today is XX/XX/XXXX. I am sending another validation letter see below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX First Federal Credit Control Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Debt Verification Request Reference XXXX XXXXXXXX To Whom It May Concern, I am writing to formally request validation of the alleged debt you claim I owe, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). 

Please provide the following documentation to establish your legal authority to collect this alleged debt : A complete copy of the Flow Agreement or servicing agreement between your company and the original creditor. 

A copy of the Bill of Sale from the original creditor to your company, showing the transfer of this specific account. 

A Transfer or Assignment of Debt Agreement, clearly identifying my account and demonstrating your legal right to collect or enforce this alleged debt.

A copy of the Original Contract or Agreement, bearing my signature, that allegedly created this debt. 

Until you provide these documents, please consider this debt disputed. Under federal law, you must cease all collection activitiesincluding phone calls, reporting to credit bureaus, and legal actionuntil you have fully validated the alleged debt. 

Additionally, if you are unable to provide these documents, I request that you : Immediately cease collection efforts, and Remove any negative credit reporting related to this alleged debt. 

Please note that any further communication attempting to collect this debt without proper validation will be considered a violation of federal law, and I will not hesitate to report such violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

I expect a written response with the requested documentation within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX

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