Financial Data Systems Medical debt complaint on 06/27/2018

Issue

I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded. However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FDCPA. My next step is to contact a consumer protection attorney unless the matter is resolved here.

Received: 06/27/2018

Debt collection: Medical debt

Debt Verification: Not enough info provided to verify debt

Financial Data Systems Response

This issue was responded to within 15 days by Financial Data Systems

Debt Pro Tips

Will paying a collection agency improve my credit score?

If a consumer has multiple accounts in collection, the credit score improvement from paying off a single account may not be much. If you can get all of your collection accounts to report paid with a zero outstanding balance, then you can begin rebuilding your credit.

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The FDCPA outlines consumer rights as debtors

The Fair Debt Collection Practices Act (FDCPA) is a federal law intended to protect consumers from 3rd party debt collectors by limiting debt collector behavior and providing penalties for violations.

DebtHelpCenter.org

You have 30 days from initial contact to request verification of the debt

The FDCPA gives consumers(debtors) the have the right to request verification of a debt(Also commonly called debt validation). The request must be within 30 days of receiving the debt validation notice from the collector. Once the letter has been received, the collector must stop attempts to collect until it responds to your validation request. To prevent the collector from disputing your request was sent, send it via certified mail with return receipt requested.

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