Consumer complaint received 2019-07-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc. (AL)

As of XX/XX/19 For profit Debt buyer AR RESOURCES INC. fail to alert myself and other consumers that they've reported an alleged debt to the CRAs. Because the FCRA requires debt buyers to notify you when they report negative information to a CRA, this practice violates the FCRA. AR RESOURCES did not provide Written Notification About Debt. AR RESOURCES INC. didn't even bother to notify or contact me of an alleged debt. I have compiled a list of laws that have been broken along with proof and examples of unfair tactics AR RESOURCES INC have committed to myself and other consumers on a daily basis. I demand that AR RESOURCES INC remove the frivolous debt from all three bureaus and also be investigated for unfair practices and unlawfully tactics against consumers such as myself. I will be doing my own independent dispute, and it is my intent to file suit against AR RESOURCES INC due to unfair practices and laws broken by them. 

Yes, I do understand AR RESOURCES INC. has every right to collect on a debt if I legitimately owe them, but I do not have a contract with them, and I do not wish to contract with them. There are also rules and restrictions formally known as the Fair Debt Collection Practices Act ( FDCPA ) that govern how they can go about their business. 

This must be a Zombie debt as AR RESOURCES INC buys portfolios of alleged debt to make profit, but never verifies the actual consumer debt themselves or gives the consumer chance to challenge the alleged debt in question by law. AR RESOURCES INC. reports the alleged debt without notifying the consumer as you see the examples and complaints I was never informed about a debt, or any details about them advising saying I owe. It appears HIPPA LAWS have been broken along with Identity Theft by AR RESOURCES INC. Im entitled to written verification In fact, FDCPA requires a collector to send a statement outlining the specifics of the debt within five days of contacting you. That notice which is basically step one in determining whether a debts legit must include the amount of money you owe, the name of the original creditor and what actions to take if you believe the information is wrong. 

This account can appear on your credit report. This appears to be a SCAM by AR RESOURCES INC. 

A strong federal law, the Fair Debt Collection Practices Act, protects consumers against certain unfair collection practices. 

AR RESOURCES INC.has several debt collection complaints, the Consumer Financial Protection Bureau described collection complaints received by the Federal Trade Commission. 

Their several complaints about AR RESOURCES INC. and appears several laws has been broken, and some complaints may be the result of overseas debt collection scammers who harass consumers. 

The law : Within five days of initially contacting you, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt The Fair Credit Reporting Act Another federal law is the Fair Credit Reporting Act, and this act covers certain financial aspects including any debt being collected and reported on your credit report. 
Under this law, it protects unfair, deceptive, or abusive acts or practices to be done by either collection agencies or a creditor. There are also state laws that are in place regarding debt collection practices, and many of these state laws are very similar to those as outlined by the Fair Debt Collection Practices Act.