ALCHRO INC. Complaint: Cont'd attempts collect debt not owed

#1508303 7 Aug 2015

Debt collection I do not know

Complaint #1508303 submitted on 08/07/2015 relating to ALCHRO INC.. Complaint relates to Debt collection I do not know - Cont'd attempts collect debt not owed Debt is not mine.

Complaint was submitted via Web and sent to the company on Friday 7th August 2015.

Narrative (may be redacted).

In XXXX, 2015 I entered a written dispute with FIRST FEDERAL CREDIT & COLLECTION reference account number XXXX as contained on my consumer credit profile at XXXX, XXXX and XXXX XXXX. Specifically alleged, FIRST FEDERAL CREDIT & COLLECTION was attempting to collect a debt for which I had no knowledge and alleged was potentially opened by an unknown third party. Moreover, said account was appearing XXXX on my consumer credit profile notwithstanding the allegation of a single debt owed.

FIRST FEDERAL CREDIT & COLLECTION failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with FIRST FEDERAL CREDIT & COLLECTION an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. FIRST FEDERAL CREDIT & COLLECTION failed to report said debt as disputed and failed to conduct an investigation into my allegations of potential fraud. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account.

A review of records compiled by the state XXXX XXXX XXXX XXXX in Florida indicates that FIRST FEDERAL CREDIT & COLLECTION is not currently licensed to conduct business pursuant to section XXXX, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, XXXX and XXXX XXXX is an unfair and deceptive trade practice.

Several phone calls to FIRST FEDERAL CREDIT & COLLECTION have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of potential fraud. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my XXXX, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of potential fraud.

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