FMA Alliance: why they're on your credit report and what to do
FMA Alliance is a debt collector. Consumers filed 116 debt collection complaints about the company with the Consumer Financial Protection Bureau from October 2022 to September 2025. The most common: “attempts to collect debt not owed”.
Quick facts
- CFPB complaints, 3 years
- 116
- Timely responses
- 100%
- Most complaints from
- TX, FL, CA
- Known phone numbers
- None on file
Collection on your report?
We challenge collections that are inaccurate or can't be verified, with all 3 bureaus, and request debt validation for you.
What consumers complain about
Top issues in CFPB debt collection complaints about FMA Alliance, October 2022 to September 2025.
- Attempts to collect debt not owed47
- Written notification about debt23
- False statements or representation14
- Communication tactics13
- Threatened to contact someone or share information improperly8
Debt collection complaints by year
Source: CFPB Consumer Complaint Database. Complaints are not verified by the CFPB and don't by themselves mean a company broke the law.
What to do if FMA Alliance contacts you
- Don't confirm or pay on the first call. Ask for the company's mailing address and the original creditor's name.
- Request validation in writing within 30 days. Under the FDCPA, the collector has to pause collection until it sends proof. Use our debt validation letter.
- Check your credit reports. Get free reports at annualcreditreport.com and compare the balance, dates and original creditor.
- Dispute anything inaccurate. If the debt isn't yours, the amount is wrong, or it's too old to report, dispute it with each bureau. See how to remove collections from your credit report.
- Know your rights. Collectors can't call before 8am or after 9pm, harass you, threaten actions they can't take, or discuss your debt with most third parties. You can report violations to the CFPB and your state attorney general.
Questions about FMA Alliance
Is FMA Alliance a legitimate debt collector?
FMA Alliance appears in the CFPB complaint database with 116 debt collection complaints from October 2022 to September 2025. Collectors have to follow the Fair Debt Collection Practices Act. Before paying anything, ask for a validation notice and confirm the debt and the amount are yours.
Why is FMA Alliance calling me?
Usually because a creditor sold or assigned an unpaid account to them. It can also be a mistake: the wrong person, a debt you already paid, or a debt past the statute of limitations. Within 30 days of their first contact, you can request validation in writing. The most common complaint consumers file about them is "Attempts to collect debt not owed".
Can a FMA Alliance collection be removed from my credit report?
If the account is inaccurate, isn't yours, or can't be verified, you can dispute it with the credit bureaus and the collector, and it has to be corrected or deleted. An accurate collection can stay on your report for up to 7 years from the original delinquency date. Paid medical collections and medical collections under $500 are no longer reported by the 3 bureaus.
How do I stop FMA Alliance from calling?
Send a written request asking them to stop contacting you. Under the FDCPA they must stop, except to confirm they're ending contact or to notify you of a specific action like a lawsuit. Stopping contact doesn't erase the debt.