Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Arcon Credit Solutions LLC
State: MI

Complaint narrative:
-- - Complaint Against Arcon Credit Solutions LLC, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX I am filing this complaint regarding an ongoing issue involving XXXX XXXX XXXX XXXX ( XXXX  ), Arcon Credit Solutions LLC, and XXXX XXXX XXXX. This situation has caused me significant frustration, stress, and a violation of my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX sold my alleged debt of {$10000.00} to a non-affiliated debt buyer, XXXX XXXX XXXX, which then involved Arcon Credit Solutions LLC in attempting to collect the debt. According to XXXX XXXXXXXX XXXX privacy policy, they explicitly state that they do not share customer information with non-affiliated third parties. By selling my debt to an outside company, XXXX XXXX breached their stated privacy policy. 

In addition, Arcon Credit Solutions LLC is not licensed to collect debts in the state of XXXX, which makes their attempts to collect this debt unlawful under XXXX XXXX Despite this, Arcon Credit Solutions LLC has also reported this alleged debt to credit reporting agencies, placing their company and the debt on my credit report. This action has negatively impacted my XXXX XXXX and financial standing. 

I believe these actions constitute violations of the Fair Debt Collection Practices Act ( FDCPA ), Michigan state laws, and potential inaccuracies in how this debt has been reported to the credit bureaus. 

How This Has Affected Me Breach of trust and privacy due to XXXX XXXX actions. 

Violation of Michigan state laws as Arcon Credit Solutions LLC is not licensed to collect debts in my state. 

Negative impact on my credit score and financial reputation due to the placement of this debt on my credit report. 

Emotional distress and frustration caused by XXXX XXXX XXXX XXXX XXXX unlawful and unlicensed debt collection efforts. 

Lack of clear and transparent information regarding the transfer of my debt and my rights in this matter. 


Requested XXXX XXXX XXXX XXXX XXXX XXXX for breach of their stated privacy policy. 

Investigate Arcon Credit Solutions LLC and XXXX XXXX XXXX for potential violations of the FDCPA, XXXX XXXX XXXX and for reporting inaccurate or disputed information to credit reporting agencies. 

Require the immediate removal of this debt and XXXX XXXX XXXX XXXX XXXX company name from my credit report. 

Require Arcon Credit Solutions LLC to cease all debt collection efforts in XXXX  due to their lack of licensure. 

Compensation for emotional distress and frustration caused by these violations. 


Supporting Documents I have attached copies of any correspondence from XXXX XXXX, Arcon Credit Solutions LLC, and XXXX XXXX XXXX, as well as a copy of XXXX XXXX XXXX privacy policy, evidence of XXXX XXXX XXXX XXXX XXXX lack of licensure in XXXX, and a copy of my credit report showing the negative entry. 

I request the XXXX XXXX  assistance in addressing these violations and ensuring that my rights are protected. Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation