Who Is Franklin Collection Service? Why Are They Calling Me?
Most commonly for attempts to collect debt not owed
Contact Franklin Collection Service
- Address to send a debt validation letter
- Franklin Collection Service, Inc. 2978 W Jackson St Tupelo, MS 38801
- Phone
- 1-800-262-7590
- Official website
- https://www.franklinservice.com
As of 2026-08-07 — verify before mailing anything important, since collectors do change addresses.
Franklin Collection Service is a Mississippi-based collector that pursues past-due accounts for healthcare providers, utilities, and other creditors across the country. If Franklin is contacting you about a debt, request debt validation in writing before making a payment.
Has Franklin Collection Service been the subject of regulatory action?
Yes. On April 15, 2015, the Massachusetts Division of Banks issued a consent order against Franklin Collection Service for substantial non-compliance with the state’s debt collection licensing laws — the agency’s second Massachusetts enforcement action, following a 2010 consent order the company had also violated. The 2015 order remained in effect against Franklin’s Massachusetts debt collector license (No. DC-0860) until it was terminated in September 2018 once the firm demonstrated compliance. If Franklin has reported an inaccurate or disputed debt to your credit file, see credit report dispute for how to challenge it.
Questions & Answers
Is Franklin Collection Service a legitimate debt collector?
Franklin Collection Service shows up in the CFPB consumer complaint database, which tracks real complaints filed against real companies — so it is a legitimate, registered entity, not a scam name. That doesn't mean every call claiming to be from them is real; scammers impersonate real collectors. Verify what they're collecting before paying anything — see what to do the first time a collector contacts you.
— US Debt Compass Editorial Team
How do I stop Franklin Collection Service from calling me?
Under the FDCPA, you can send Franklin Collection Service a written cease-and-desist letter and they must stop contacting you except to confirm they've received it or to notify you of specific legal action. This doesn't erase the debt — it only stops the calls. See the cease-and-desist letter glossary entry for how to send one.
— US Debt Compass Editorial Team
How do I dispute a debt with Franklin Collection Service?
Send a written debt validation request to Franklin Collection Service's dispute address within 30 days of first contact — they must then verify the debt before continuing collection. See the contact details above for the current mailing address.
— US Debt Compass Editorial Team
Is Franklin Collection Service on my credit report?
If Franklin Collection Service is collecting on an account, it can appear on your credit report as a collection tradeline, separate from the original creditor's listing. Check your credit report directly to confirm, and see the credit report dispute guide if anything about the listing looks wrong.
— US Debt Compass Editorial Team