Consumer complaint received 2018-08-06
Company: Arbor Professional Solutions, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This complaint involves three companies regarding the same debt : the original creditor, the collection agency hired to collect the debt and the law firm hired to take me to court.. 

Approximately 1.5 years ago I saw an account on my credit report for the amount of XXXX listed under a collection agency called XXXX XXXX XXXX XXXX. 

I called XXXX XXXX XXXX XXXX to inquire about the debt, they advised me that it was for a towing company called XXXX XXXX XXXX  in XXXX XXXX michigan. I updated my location information with the agency and requested validation of the debt be sent because they could only tell me the debt was for XXXX XXXX XXXX  and could not tell me for what vehicle, just that i owed a debt and demanded payment in full over the phone within the debt validation period. 

I called XXXX XXXX XXXX  directly for more details and they said i am listed with a collection agency and to call them and hung up on me. So the collection agency never validated the debt and the original creditor refused to answer any questions therefore the debt remains unpaid. 

XX/XX/2018, I received notification that i am being sued by XXXX XXXX XXXX  for for XXXX, the law firm handling the claim is XXXX, XXXX XXXX XXXX XXXX out of XXXX michigan. I contacted the firm and told why the debt was never paid and that and that validation of debt was never provided. they did not care. Despite reciting the mini miranda to me they then said that they are a law firm and dont deal with disputes or FDCPA practices which is false and missleading. 

My complaint is that I originally requested validation of the debt and i would have paid this when after receiving validation of debt. Pretty much, no one cares or complies with the FDCPA these companies think its a joke and remain unchecked. Had ann arbor professional solutions sent the debt validation when i requested it over a year ago this all would have been avoided. I do not feel protected as a consumer. I have just paid this debt, which still remains unvalidated along with legal fees in order to avoid having a judgement on my credit report. 

Summary Statement : As a consumer, my credit has been held hostage with the threat of having a judgement against me and wages garnished without the the debt being validated. Per the FDCPA, a collector may not demand payment or take legal action within the debt validation period, the debt was never validated therefore the debt validation period is still in effect. Keep in mind, I never received a first notice, it was i who seen the debt on my credit who inquired and tried to resolve debt. 

XXXX XXXX XXXX solutions contact info:XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX PHN # XXXX ( collection agency ) XXXX, XXXX XXXX  XXXX XXXX contact info : XXXX XXXX XXXX, XXXX   XXXX, XXXX, MI, XXXX XXXX XXXX XXXX contact info:XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI , XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation