Lawsuit: Computer Credit Failed to Live Up to FDCPA Standards

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Computer Credit, Inc. is facing a proposed class action lawsuit out of New York federal court that accuses the debt collector of violating several provisions of the Fair Debt Collection Practices Act (FDCPA).

The complaint first takes issue with a statement in a collection letter the defendant allegedly sent to a New York consumer informing him that he could “prevent further collection activity” by paying “the amount due.” The suit argues that this statement overshadows the plaintiff’s right to dispute the debt or request validation, which would supposedly require the defendant to cease collection activity.

The suit then argues that the defendant failed in its obligation to clearly identify the consumer’s creditor by neglecting to name “any entity or individual” as a creditor to whom the debt was owed.