Complaint #1304481 submitted on 03/27/2015 relating to FEDERAL PACIFIC CREDIT COMPANY, LLC. Complaint relates to Debt collection I do not know - Disclosure verification of debt Not given enough info to verify debt.
Complaint was submitted via Web and sent to the company on Friday 27th March 2015.
I found out from the credit reporting bureaus XXXX, XXXX and XXXX that there was a negative account under " Federal Pacific Credit LLC '' under account number XXXX. Federal Pacific Credit has failed to provide any legal validation or a dunning letter in accordance with the Fair Debt Collection Practices Act. I am seeking proof that this debt is mine and will require a copy of the original contract under which the credit account was obtained, as well as monthly statements since the debt was purchased. The company often refresh this account on my report. Balance of this unknown account his XXXX in last 6 months. Also company is reporting multiple 120 day late payments to further affect my credit score. I have sent several letters, including notarized formal validation letters seeking this verification and to this date Federal Pacific Credit has failed to provide the information requested. Or even responded. They also us multiple mailing address for their company were they do n't sign for mail. Multiple returned letters. I have called the company to get mailing address from them directly and still my mail gets returned. Federal Pacific Credit is clearly in violation of the Fair Debt Collection Practices Act and I will seek legal action against this company for the practices if the issue is n't resolved immediately. Federal Pacific Credit has not provided the undersigned with any evidence to substantiate its claims that this debt is a legitimate debt. Further, there has been neither proof that Federal Pacific Credit has permission to collect this debt, nor have they provided previous verification of this debt. Finally, I have received no information that Federal Pacific Credit currently possesses any documents of this debt. Since this company has failed to provide any evidence of the claims made in their response, I am led to believe that neither Federal Pacific Credit possesses adequate documentation to collect this alleged debt. In order to provide proof that this is a legitimate debt of over 7 years and they have the right to collect this debt.
| Company | FEDERAL PACIFIC CREDIT COMPANY, LLC |
| Complaint ID | 1304481 |
| Date Received | 03/27/2015 |
| Product | Debt collection I do not know |
| Issue | Disclosure verification of debt Not given enough info to verify debt |
| State/ZIP Code | FL 330XX |
| Consumer Consent | Consent provided |
| Company Public Response | |
| Company Response To Customer | Closed |
| Submitted | Web 03/27/2015 |
| Result | Timely Response: No, Consumer Disputed: No |
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