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Corporate debt on my personal credit reports

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Hi everybody, I have a quick question. I sent in a debt validation letter to Federated Financial Corporation of America. They responded back by putting the debt on my personal credit reports and they also sent a letter stating this debt does not fall under the fdcpa because it is commercial business debt. Where can I find more information to dispute and have then validate this debt? Any assitance is greatly appreciated. :D


well, what they told you is actually correct--if it is a legitimate corporate account. Business accounts are not subject to the fdcpa. However, you didnt say much about the debt itself---is it yours? If so, is it actually a corporate debt? If you can show that it is not a corporate account then they would have to abide by the FDCPA. More details could help us point you in the right direction on this one.

Sub: #1 posted on Wed, 08/06/2008 - 20:32

skydivr7673 skydivr7673
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However, if the debt hits your personal credit reports,then it is subject to the FCRA. The tradeline must be accurate.

Sub: #2 posted on Thu, 08/07/2008 - 02:41

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