Consumer complaint received 2023-12-01
Company: Arcon Credit Solutions LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Arcon Credit Solutions is threatening to execute a judgment obtained without proper service, and there are concerns they might use it in a deceptive manner. I haven't informed them of this issue yet, fearing potential retaliation. 
Arcon Credit Solutions initially contacted me regarding an old debt in XX/XX/XXXX, representing XXXX XXXX XXXX XXXX. This was my first contact with them, and upon checking, I found the last activity on the account dated back to XX/XX/XXXX. 
In response, I disputed the debt due to exceeding the time limits for collection. I requested proof of the last activity date, stating that the debt surpassed the statute of limitations, and further discussion was unnecessary. 
They replied on XX/XX/XXXX, including a copy of a judgment granted on XX/XX/XXXX, which I was unaware of. They attempted to serve me at an address where I no longer lived, and hadn't for four years. 
Upon investigation, I found evidence suggesting they should have known about my new address. The lawyer who filed the suit, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, should have easily determined the correct address. This raises questions of either a failure in due diligence, an incorrect address from XXXXXXXX XXXX XXXX XXXX or a deliberate attempt to serve papers at an outdated address. 
The last possibility may seem like a strong allegation, but there are reasons supporting it : 1. I have a credit report from XXXX listing my current address since the change in XXXX, available to any collection agency. 
2. Letters from XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, representing XXXX XXXX XXXX XXXX XXXX show they knew my correct address. Speaking with XXXX XXXX XXXX they told me that it is the responsibility of the collector and not the holder of the debt, XXXX XXXXXXXX XXXX XXXXXXXX to update the debtors address and will sue skip tracing if needed to get this information. 
As I prepared to inform the court about this, Arcon Credit Solutions sent another letter threatening to execute the judgment. Given the lack of my knowledge about this judgment and its potential deceptive use, there should be a way to prevent them from taking action. 
My plan is to notify the court in XXXX XXXX, New York, where the judgment was filed. I hesitate to directly complain to Arcon Credit Solutions, unsure if honesty is the best course given potential retaliation. I hope filing a complaint with your office will lead to a resolution without retaliation or deceptive practices from Arcon Credit Solutions. 

Contact Information : I have confirmed that XXXX XXXX XXXX, XXXX. now works at XXXX XXXX XXXX and can be contacted via ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. Verified through XXXX XXXX XXXX I have contacted XXXX XXXX XXXX XXXX Minnesota Location Corporate Headquarters and they told me to contact Acron. 
They are located at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX I found a compliance office contact at XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, Chief Compliance Officer - XXXX / XXXX. 

Arcon Credit Solutions XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) Contact name listed as XXXX XXXX

Company response to consumer: Closed with explanation