If FFCC Cleveland, also known as First Federal Credit Control, is showing up on your credit report, it means an unpaid debt was sent to collections. FFCC is a debt collection agency based in Cleveland, Ohio, that works with businesses to recover past-due accounts.
Collections can hurt your credit score, but there are ways to deal with the account—and possibly have it removed.
Who Does First Federal Credit Control Collect For?
FFCC Cleveland provides collection services for:
- Healthcare providers, including hospitals, clinics, and medical offices
- Commercial businesses seeking to recover unpaid invoices or balances
If you’ve fallen behind on medical bills or other payments, your account may have been turned over to FFCC Cleveland.
Is First Federal Credit Control Legitimate?
Yes, FFCC Cleveland is a legitimate debt collection agency. They are authorized to collect debts on behalf of their clients. However, always verify the debt before making any payments to ensure the account belongs to you and the information is accurate.
How to Remove FFCC Cleveland From Your Credit Report
Collections accounts can stay on your credit report for up to seven years, but you have options to remove FFCC Cleveland:
- Dispute Inaccurate Information: If the account isn’t yours or contains incorrect details, file a dispute with the credit bureaus. They are required to investigate and correct any errors.
- Negotiate a Pay-for-Delete: Some collection agencies may agree to remove the account if you pay the balance. Always get this agreement in writing before making payment.
- Work With a Credit Repair Company: Credit repair professionals help challenge negative marks from companies like FFCC Cleveland every day.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay FFCC Cleveland?
Before contacting FFCC Cleveland or sending payment, verify the debt is valid and still legally collectible. Mistakes happen, and paying an invalid or expired debt can sometimes restart the collection clock, making things worse.
Many people prefer to work with a trusted credit repair company to manage the process and avoid costly mistakes.
Can FFCC Cleveland Sue You or Garnish Your Wages?
FFCC Cleveland can sue you to collect unpaid debts. If they win a court judgment, they may be able to:
- Garnish your wages
- Freeze your bank account
- Place a lien on your property
Whether they can take these actions depends on your state’s laws. Lawsuits and wage garnishment are typically last-resort options. Most agencies prefer to settle the debt or set up a payment plan first.
First Federal Credit Control Contact Information
- Address:
First Federal Credit Control
24700 Chagrin Blvd, Suite 205
Cleveland, OH 44122 - Phone:
(216) 360-2000
FFCC Cleveland Complaints
FFCC Cleveland has consumer complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Incorrect information on credit reports
- Harassment or repeated phone calls
- Failure to verify debts
If you experience these issues, you can file a complaint:
- CFPB: Submit online at consumerfinance.gov or call (855) 411-2372
- BBB: Visit bbb.org to report concerns
Your Rights When Dealing With FFCC Cleveland
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) protect your rights. You have the right to:
- Dispute inaccurate or incomplete information on your credit report
- Request debt validation within 30 days; FFCC Cleveland must prove the debt is yours and accurate
- Be treated fairly; harassment or threats are illegal
- Be clearly informed they are a debt collection agency
- Never be threatened with arrest or jail for unpaid debts
If your rights are violated, report them to the CFPB or seek legal help.
Remove FFCC Cleveland From Your Credit Report Today
Tired of dealing with FFCC Cleveland collections? You don’t have to face it alone. Credit Saint has helped thousands of people challenge negative items from collection agencies like FFCC Cleveland.
They even offer a 90-day money-back guarantee for added peace of mind.
Ready to get started? Visit their website or call (855) 281-1510 today.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
