Financial Credit Service, Inc. Debt Collection Complaint

Financial Credit Service, Inc. Debt collection department,

Disclosure verification of debt Not given enough info to verify debt Utah

I received a call from Asset Recovery Associatesfrom ( - ) -. I was asked to verify my name and Last name. I asked what this was about and was advised that if I was - - I was being called to settle an account with - Bank opened -/-/- and Defaulted -/-/-. I asked if they had any information on the original Creditor as I do not recognize that name on my credit report. I was advised that the account was ready for Judgement submission on my credit report in the amount of $2400.00 and I could stop this action from their lawyers if I settle as they would remove $800.00 in interest. I asked for something in writing from Original Creditor as the female representative advised that this account had gone through - creditors and was legally purchased through their Federal guidelines following the FDCPA. I asked for their FDCPA license, she gave me the following : FDCPA 017.021.107. She stated that they were licensed to collect in the State of -, I quickly expressed that I needed to see more information and was asking for formal dispute process. She stated that they had received an affidavit from


and I was not sure if they had accurate information. She stated that she had my credit report in from of her and verified my - address at that age. I explained that i would not confirm any additional information and I wished to speak to a supervisor. I needed to know the original creditor as I would need to contact them to verify how this would be communicated to me as a judgement and I never heard of this account before as I had been in a position to monitor my report on a regular basis. I was advised that the Manager was unavailable and I would need to settle or I would be taken to court and judgement filed against me. I expressed frustration as I was not given more information on how to contact the creditor or their office. She stated that she would forward the affidavit to me, and proceeded to attempt to get me to settle for a reduced amount. I asked if she knew when this had defaulted and if she was aware of the statute of limitations for - or -? She became irritated with my inquiry and stated that the account was defaulted in-/-/-. She stated that If i was unable to cooperate towards settlement she had no choice to give this information to their lawyers for judgement. I asked for her name and her Managers name and I was hung up on.