Consumer complaint received 2018-09-10
Company: AR Resources, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently filed a case ( XXXX ) against AR RESOURCES , INC . The case was in regards to debt validation and verification for derogatory information on my credit file. 

As you can see in the previous case ( mentioned above ), I was requesting not only validation but also verification of 2 debts that AR Resources , inc has entered as derogatory information on my credit file. 

I asked for debt validation on XX/XX/2018. The company stated in the complaint that they sent this information on XX/XX/XXXX. 

Per FDCPA the company should have received this letter by the XXXX day not mailed off on the XXXX day. Please see below : The Debt Collector is given notice that pursuant U.S.C sec 1692g ( b ) : if the consumer gives notice to the debt collector in writing within the thirty-day ( 30 ) period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer  requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a void judgment, or the name and address of the original creditor, is mailed to the consumer by the collector, and in 15 U.S.C. 1681-1681 ( u ). If any of these accounts are over seven ( 7 ) years old, can not be verified and/or have been discharged, written off, charged off, sold, referred to a third party, or can not be validated, Affiant requires that these statements be deleted from the Consumers credit report. 


Also please note the letter that I received today is a " printed '' statement of account, not the actual bill of which both are incorrect. Per FDCPA the alleged credit must provide the original bill with authorization to bill. 

Additional AR Resources has opened account number in my name of XXXX. I considered this a fraudulent because I have not entered into any contract at any time with AR Resources and they have obtained my personal information illegally. It is against the law to opened an account without the knowledge of a consumer. This is a direct violation on the Frank Dobb act and FDCPA Also there is not assignment of debt agreement to verify that AR Resources has the legal authority to collect on such debt. This is a violation of the UCC FCRA and the FDCPA Please see legislation below : Debt collector is further noticed that this is not a request by Affiant for a photocopy of any invoice, statement, bill,  summary, agreement and the like and that any future communication received by Affiant from Debt Collector, in written as well as any other form, absent the above-cited requisite Verification of debt, irrespective of the inclusion of any photocopy of any related involve, statement, bill summary, agreement, and the like, constitutes Debt Collectors tacit admission, confession and agreement that Debt Collector has no lawful, bona fide, verifiable claim, re the alleged account, as per the Fair Credit Reporting Act and the Fair Debt Collection Practices, and Uniform Commercial Code ( UCC ).

Company response to consumer: Closed with explanation