Federal Pacific Credit Company, LLC

We have previously talked to this consumer regarding this account. We would like the opportunity to speak to her again and resolve the account and address any further questions or concerns. Out toll free number is 877-209-

I never received anything for this debt collector so I would like this removed from my credit report

Dear Revdex.com, Thank you for forwarding the complaint of Ms. [redacted], this will serve as our official response to that complaint. In Ms. [redacted]'s complaint she alleges that she talked to our office on three separate occasions. We have investigated this allegation and have found it to be untrue....

However, we did receive a dispute letter in which we responded to within a timely matter. We also received and responded to several Credit Reporting disputes in which Ms. [redacted] acknowledged the original account. Federal Pacific Credit Company LLC, is a debt purchasing company who buys charged-off contracts and we understand that many consumers do not recognize having opened an account Federal Pacific Credit Company LLC, because of that. In Ms. [redacted] case her account originated with First Bank of Delaware (who also does business in the names of Mid American Bank & Trust (MABT) and Continental Finance.) We would like to help Ms [redacted] and are more than willing to offer Ms. [redacted] a great discount to resolve this account, she can contact our office to discuss the details at 1-866-552-1035.

Complaint: [redacted]
I am rejecting this response because:I HAVE NOT ACKNOWLEDGED THIS DEBT. Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation isrequested. Under the Fair Debt collection Practices Act (FDCPA), I have the right to request validationof the debt you say I owe you. I am requesting proof that I have a contract with you RE: Federal Pacific/debt
Sincerely,
[redacted]

In the dispute Ms. [redacted] made directly to the credit reporting agencies that was received on 1/23/2017, she states that she paid the original creditor before collection status or paid before charge-off. On 5/4/2017, she disputed the balances and amounts never the actual account.  We have investigated these claims and have found no merit to them. If Ms. [redacted] can provide us documentation of these claims we will close the account and notify the credit reporting agencies. Under the Fair Debt collection Practices Act (FDCPA) section § 809, consumers have the right to request validation of the debt in writing within the thirty-day validation period. The initial written communication was sent to Ms. [redacted] 6/1/2015 and again on 6/26/2015. In addition to those letters three additional letters were mailed to Ms. [redacted] in which we have not received a response. If Ms. [redacted] would like to discuss this further we are willing to work with her