Debt collection -- Attempts to collect debt not owed -- Complaint #6440861
Complaint Overview
Complaint ID: 6440861
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: 02302
Date Received: 2023-01-13T12:00:00-05:00
Date Sent to Company: 2023-01-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear FST FINANCIAL RESOURCES ; ( Original Creditor XXXX XXXX ) ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Frequently Asked Questions
What is Complaint #6440861 about?
Complaint #6440861 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 2023-01-13T12:00:00-05:00.
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.