Consumer complaint received 2017-02-25
Company: Arcadia Holdings, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
illegally added collection account to my credit reports in the 1st written communication without giving me my legal right to respond and dispute debt. 30day period fdcpa 809 ( b ) section of unfair practices. 

Arcadia Recovery Bureaus, LLC. 
RE : Director of Operations XXXX XXXX AS OF TODAY THERE IS ALSO A COMPLAINT WITH CFPB, and in a few days the following DOJ ( DEPARTMENT OF JUSTICE, CALIFORNIA STATE ATTORNEY, AND FTC COMPLAINT. 

Has Deliberately and Maliciously caused harm to my financial stability, by adding a un-validated debt to my consumer credit report XXXX, XXXX, XXXX. Upon first initial communications on a unsubstantiated debt a Consumer ( Myself ) have 30days upon first communication to dispute this debt and all collection attempts must cease! Notice I say ''ALL COLLECTION ATTEMPTS '', and NOT just a cease and decist in communication. This is a Clear violation of FDCPA 809 ( b )!!! It has n't even been 30days since 1st receipt of letter and yet they already trying to collect in a unfair and deceptive matter. 
In Case you forgot that people like myself know the law FDCPA, FCRA, TCPA, & TILA, I Will give it to you verbatim - FDCPA 809 ( b ) If the consumer notifies the debt collector in writing within the thirty-day 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 judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer 's right to dispute the debt or request the name and address of the original creditor. 

Also the FTC ( FEDERAL TRADE COMMISSION ) findings are as clear as day in how they see reporting on a consumer 's file prior to a validation of debt, see XXXX Paragraph XXXX : As you know, Section 1692g ( b ) requires the debt collector to cease collection of the debtat issue if a written disputeis received within the30-day validation period until verification is obtained. Becausewe believe that reporting a charged-off debt to aconsumer reporting agency, particularly atthis stage of thecollection process, constitutes " collection activity '' onthe part of thecollector. 

Lastly : you are not allowed to report any credit information regarding this debt until the debt is validated. You should be made aware that in XXXX ( XXXX ), the court ruled that reporting a collection account indeed is considered collection activity. 

IN THE FOLLOWING DAYS I SHALL SUPPLY TRACKING NUMBERS FOR CERTIFIED MAIL RECEIPT & RETURN TO SENDER WITH SIGNATURE CONFIRMATION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation