Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Arcon Credit Solutions LLC
State: KS

Complaint narrative:
I am disputing an alleged credit card debt ( account ending in XXXX XXXXXXXX ) originally issued by XXXX XXXX XXXX XXXX and later sold to XXXX XXXX XXXX XXXX, with Arcon Credit Solutions acting as the debt collector. 

Identity Theft and Fraud The charges on this account were made without my authorization or knowledge while I was on XXXX XXXXXXXX from XX/XX/XXXX through XX/XX/XXXX. My credit card was stolen and used fraudulently, allegedly by a former roommate. This matter constitutes identity theft and credit card fraud under federal law. 

I submitted the following documentation to XXXX XXXX XXXX XXXX prior to charge-off, all of which was ignored : FTC Identity Theft Affidavit dated XX/XX/XXXX Police report dated XX/XX/XXXX Proof of XXXX and a list of unauthorized charges Despite receiving legally sufficient documentation, XXXX XXXX XXXX XXXX refused to conduct a reasonable investigation and later charged off and sold the account. 

Sale of a Fraudulent Account and Failure to Validate According to XXXX XXXX records, the account was purchased in XX/XX/XXXX. I received the first collection notice from Arcon Credit Solutions on XX/XX/XXXX. 

On XX/XX/XXXX, and again on XX/XX/XXXX, I submitted formal written disputes and debt validation requests to both Arcon Credit Solutions and XXXX XXXX XXXX XXXX. These disputes included copies of the FTC Identity Theft Affidavit and police report. 

These submissions triggered mandatory duties under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) and 1681c-2 ). Neither company provided validation, conducted a reasonable investigation, or meaningfully responded. 

Improper Closure of Prior CFPB Complaint I previously submitted this same dispute through the CFPB on XX/XX/XXXX. That complaint was closed without a substantive response, despite the inclusion of identity theft documentation that legally requires investigation and credit blocking. 

Closing a CFPB complaint without addressing identity theft evidence does not satisfy obligations under the Fair Credit Reporting Act or Fair Debt Collection Practices Act. 

Improper Frivolous Determination On XX/XX/XXXX, Arcon Credit Solutions issued a letter claiming my dispute was frivolous or irrelevant because it was allegedly similar to a prior dispute. 

A dispute supported by an FTC Identity Theft Affidavit and police report can not be deemed frivolous or irrelevant under federal law. Arcon also falsely stated that submission of additional documentation does not require a new investigation, which is contrary to the Fair Credit Reporting Act. 

Ongoing Risk of Harm Although this account is not currently appearing on my credit reports, both companies have demonstrated a willingness to disregard identity theft documentation and rely on defective prior investigations. This creates an ongoing risk that the fraudulent account will be reported, sold, transferred, or re-aged in the future, which is prohibited by law.

Company response to consumer: Closed with explanation