Problems with Federal Credit Corp...

So far they have not responded to my BBB dispute and their rating went from a D+ to an F,,lol..

I called the state and they never responded to them either,,,,for the second time.

I am now waiting on Experian to see what happens there. Then I am going to the attorney to see what she thinks.

Send another letter to Experian, demanding to know the details and method of verification of that account. Enclose a copy of your validation letter, and of the green card showing the CA signed for it. In your letter to experian, state that you have received no validation from the CA, and demand that this unvalidated account be removed from your credit report. If they waffle, follow it up with an 'intent to sue" letter (to Experian), citing FCRA and possible state law violations. You don't need an attorney at this point.

Experian verified the account again and did not remove it.

I will say that Federal Credit Corp must be really stupid. After being told to cease and desist for a second time by the state, they have contacted me by mail again, but this time they used a law office on their letterhead. The envelope plus the address and phone numbers are all Federal Credit Corp plus the people to contact work for FCC. It is almost like FCC decided to put a different name on their letter to scare me into paying. The attorney is only licensed in Texas.

Law offices of W. Thomas Engle PLLC. Looks like they might be getting sued too cause they are not licensed to collect debt in my state either nor are they an attorney. The violations just keep adding up!!!!!!!!!!



Is that illegal or what?

I think I am going to wait on this for a bit and see if they contact me anymore......

I have been looking for information on both W Thomas Engle and Federal Credit Corp and whether or not they are allowed to collect in my state. i'm sending a a DV letter to them soon. I was just wondering how things turned out for you.