Consumer complaint received 2023-03-30
Company: A.R.M. Solutions, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I XXXX XXXX advised A.R. M. Solutions INC the alleged debt is id theft - as not mine, no auth to have my info, no signed contract w/sign, I have a right to privacy and didnt give them permission to have my info, acting as debt collector isnt an atty, no legal contract showing they have right to collect. 

Attached - see below I sent a debt validation packet XX/XX/2022, certifed mail with a tracking number and required a physcial signature to confirm they received it. The name name on the USPS tracking # XXXX / article number XXXX was signed by XXXX ( first name ) and date of delivery XXXX Attached - see below the XXXX XXXX that was mailed to A.R.M. Solutions Inc This company has refused to respond to my request Debt collection -- >attempt to collect debt not owed. I discovered Name Of Company Inc, XXXX XXXX XXXX XXXX XXXX was reporting a Original Lender account ( XXXX ). I have never had a contract with A.R.M. Solutions, INC and I have never had a contract with XXXX XXXX XXXX, XXXX XXXX. 

So, I am requesting A.R.M. Solutions, INC to CEASE AND DESIST all forms of communication immediately. According to 15 U.S.C. 1692 a ( 2 ) says the term " communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium.

In other words, furnishing my data is a form of communication. In accordance with the Federal Fair Debt Collection Practices Act, 15 U.S.C. 1692 c, you are herby notifies to CEASE AND DESIST any and all further of communication. 

The letter that the debt collector ( A.R.M. Solution, INC is mailing me every 2 weeks since XXXX of XXXX  instructs me to review my options, and then encouraged the man to Make a full payment or Set up a payment plan,. Nowhere in the letter did the mention the option to dispute this debt, nor did they provide the required validation notice informing him of how to properly submit a dispute. 

1692g does not mention statements in validation Failing to provide the validation notice prevents the consumer from disputing the debt, and triggering his right to require that the debt collector cease collection activities. 

I seek to redress the collection practices that violate the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq. ( the FDCPA ) A.R. M. Solutions , INC. ( A.R.M. ) is a foreign business corporation with its principal offices located at XXXX XXXX  XXXX XXXX, CA XXXX A.R.M. Solutions, INC is engaged in the business of a collection agency, using the mails and telephone to collect consumer debts originally owed to others. 

Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirtyday period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 
34. The disclosures required by 15 U.S.C. 1692g ( a ) ( 3 ) - ( 5 ) are colloquially referred to as the debt validation notice. 

If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) 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 consumers right to dispute the debt or request the name and address of the original creditor. 

Failing to provide the validation notice prevents the consumer from disputing the debt, and triggering his right to require that the debt collector cease collection activities They mail me collection letters every 2 weeks atleast and none of them reference ( Nicole Borden ) rights to dispute the debt The representation that ( Nicole Borden ) did not have the option to dispute the debt as of the date of Exhibit B is a material false statement. 

I am invoicing for 1 FDCPA ( false misrepresentation ) and 4 violation of TCPA ( {$500.00} each ) for total of {$3000.00}. 

I never gave A.R.M Soltions, INC permission to call and or mail me letters every 2 weeks? 

Did they follow the guidelines under FDCPA in regards to validating the debt? 

IGNORANCE TO THE LAW IS NOT A REASON TO BREAK IT! 

NOW, A.R. M. Solutions INC has violated more so as my token of appreciation, Ill be sending a brand new invoice and XXXX.

Company response to consumer: Closed with explanation