Consumer complaint received 2024-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AR Resources, Inc.
State: AL

Complaint narrative:
AR Resource INC Dated : XX/XX/year> Per FCRA as a federally protected consumer i am now opting out of any and all authorization i the consumer may have giving you written unwritten verbal and nonverbal per 15 USC 6802.

( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

Please provide proof of documentation Stating that the consumer granted rights to report this account. According the fair credit Act Pursuant to 15 USC 1681a, ( 2 ) Exclusions : A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal. without the consumer 's written consent. The Fair Credit Reporting Act ( FCRA ) protects consumers ' privacy and the accuracy of their credit reports. It prohibits the reporting of transaction history without the consumer 's written instructions. Violations of Privacy 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

5 U.S. Code 1681s2 Aperson shall not furnish information relating to aconsumerto anyconsumer reporting agencyif theperson has been notified by theconsumer, at the address specified by theperson for such notices, that specific information is inaccurate ; and the information is, in fact, inaccurate.

15 U.S. Code 1692c - Communication in connection with debt collection According to the US Code, a violation regarding third-party collections is typically considered a breach of 15 U.S.C. 1692c under the Fair Debt Collection Practices Act ( FDCPA ), which generally prohibits debt collectors from communicating with any person other than the consumer, their attorney, or the creditor without prior consent, unless necessary to locate the consumer or to effectuate a post-judgment remedy ; essentially meaning that contacting third parties about a debt collection without the debtor 's permission is a violation.

15 U.S. Code 1692g - Validation of debts a ) 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 thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

( b ) Disputed debts 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.

According to the fair credit reporting acts section 609 and law of statues of consumer law. you are require by federal law to verify- through the physical certification of the original signed consumer contract any and all accounts you transfer on the credit report. I demand too see veritable proof ( an original consumer contract with signature on it you have file of these accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain a house hold. Under the FCRA accounts must be deleted if you are unable to provide a copy of verifiable proof.

Company response to consumer: Closed with explanation