Debt collection -- Attempts to collect debt not owed -- Complaint #18689055
Complaint Overview
Complaint ID: 18689055
Company: First Financial Resources, INC.
Product: Debt collection
Sub-Product: Medical debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Massachusetts
ZIP Code: 02301
Date Received: 2025-11-18T12:00:00-05:00
Date Sent to Company: 2026-01-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear CFPB, FIRST FINANCIAL RESOURCE, acct # XXXX over the weekend I was going through my XXXX Credit report and noticed that there is a collection on my report that does not belong to be, it looks as if it is a medical bill, I've never had any relationship with the original creditor, I am formally disputing the accuracy and validity of the above-referenced account, which has been reported to credit bureaus and attributed to me. I have no verified relationship with your company or the alleged original creditor, nor was I properly notified of this debt. Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account, including : The original signed agreement or contract A full itemized statement showing the balance calculation Chain of title and assignment documents proving ownership Proof of any payments or delinquencies The initial validation notice and any default or collection notices Confirmation that the debt is within the statute of limitations Documentation authorizing credit reporting To date, I have received no lawful validation. Generic responses do not meet the statutory requirements for debt verification. Therefore, this account remains unverified and legally unenforceable. Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ), 1681s-2 ( b ) and FDCPA 1692g ( b ). Courts such as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX affirm that unverifiable or misleading data can not remain on a consumers credit file. I demand : Immediate deletion of this tradeline from XXXX XXXX and XXXX. Written confirmation that this account is closed and withdrawn. Cease all collection and reporting activity under FDCPA 805 ( c ), except to confirm compliance in writing. Failure to comply will result in formal complaints to the CFPB, FTC, and State Attorney General, and I will pursue legal remedies under FCRA 1681n and FDCPA 1692k.
Frequently Asked Questions
What is Complaint #18689055 about?
Complaint #18689055 was filed against First Financial Resources, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-11-18T12:00:00-05:00.
How did First Financial Resources, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against First Financial Resources, INC.?
Yes, visit the First Financial Resources, INC. company profile at readthecomplaint.com/company/first-financial-resources-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.