Financial Data Systems Medical debt complaint on 06/19/2018

Issue

Upon pulling my credit I noticed Financial Data Systems had reported debt to all three credit bureaus. I sent a debt validation request on XX/XX/18 which they never responded and sent a second letter on XX/XX/18 requesting that they stop reporting this debt due to failure to validate within 30 days required by the FDCPA. They continued so I filed complaints with the XXXX, CFPB and FTC and they proceeded to call my phones. I never recieved phone calls prior to my complaints with the mentioned agencies. Financial Data Systems has started calling my phone leaving messages offering a pay to delete the accounts. I will NOT pay to delete accounts that they will not furnish proof of. As of XX/XX/18 I have mailed them a certified cease and desist order to end further calls to my home and cell phones. The following are dates where FDS has called and left messages from phone number XXXX : XX/XX/18 @ XXXX XXXX, XX/XX/18 @ XXXX XXXX, XX/XX/18 @ XXXX XXXX and XX/XX/18 @ XXXX. This company has refused to provide debt validation and therefore has no reason to continously call my phones. Until there is proof of debt there is no need to converse via phone.

Received: 06/19/2018

Debt collection: Medical debt

Harrassing Communications: Frequent or repeated calls

Financial Data Systems Response

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

Debt Pro Tips

How is the Consumer Financial Protection Bureau(CFPB) involved with consumer debt?

The CFPB operates a consumer complaint portal where consumers can file a complaint and receive responses from companies. This may be appropriate if you have tried multiple times to work with a company directly with no response, or they have violated the FDCPA. Remember that the CFPB is independent in your particular problem(they are looking for bigger patterns that may warrant enforcement), whereas a service provider or attorney is on your side and can often offer strategic advice.

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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.

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How is the Federal Trade Commission(FTC) involved with consumer debt?

The FTC claims it has a "unique dual mission to protect consumers and promote competition." In relation to debt collection and debt relief, the FTC conducts investigations, creates regulations, stop violations and sues people and companies who violate the law.

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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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