Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Atlantic Recovery Solutions LLC
State: CA

Complaint narrative:
I am filing an URGENT complaint against Atlantic Recovery Solutions, XXXX XXXX XXXX XXXX XXXX, and the original creditor XXXX XXXX XXXX for egregious violations of the Fair Debt Collection Practices Act ( FDCPA ), breach of a binding legal contract, and failure to ensure the lawful handling of a settled debt, constituting a coordinated attempt to collect a debt that is legally extinguished. 

FACTS : XXXX. The debt originated with XXXX XXXX XXXX ( Account # XXXX ). 
XXXX. On XX/XX/year>, I entered into a legally binding Settlement and Resolution Agreement with the subsequent debt collector, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), to fully and finally resolve this account. 
XXXX. XXXX XXXX of the Agreement explicitly states : " XXXX XXXX XXXX XXXX XXXX agrees not to resell, transfer or reassign the referenced account. '' XXXX. On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX sent a collection notice ( Ref # XXXX ) for the same account, listing XXXX XXXX XXXX XXXX XXXX as the current creditor. 

VIOLATIONS & LEGAL BASIS : Breach of Contract ( XXXX XXXX XXXX XXXX materially breached the Agreement by transferring/selling the account, rendering the transfer null and void. 
FDCPA Violations ( XXXX XXXX ) : By attempting to collect this debt, XXXX XXXX is : Misrepresenting the legal status of a debt ( 15 U.S.C. 1692e ) : The debt is uncollectible due to the prior settlement and breached contract. 
Using unfair/unconscionable means to collect ( 15 U.S.C. 1692f ) : Collecting on a debt barred by a contractual prohibition is inherently unfair. 
Failure of Oversight ( XXXX ) : As the original creditor, XXXX bears responsibility for placing this debt with a collector ( XXXX ) that has engaged in unlawful and deceptive practices, including breaching a settlement agreement. They have a duty to ensure their assignees comply with the law and respect final settlements, which they have failed to do. 

This is not a simple dispute ; it is a flagrant disregard for a legal settlement and consumer protection laws across multiple entities in the collection chain. 

IMMEDIATE ACTION REQUESTED : I urge the CFPB to : XXXX. XXXX XXXX XXXX XXXX to immediately and permanently CEASE all collection activities and DELETE any related credit reporting for account # XXXX. 
XXXX. XXXX XXXX XXXX XXXX to instruct all downstream entities to cease collection, to retract the account from any secondary market, and to direct the permanent deletion of all negative trade lines associated with account # XXXX from all national credit bureaus ( XXXX XXXX XXXX  ). 
XXXX. Investigate XXXX XXXX XXXX XXXX XXXX for systematic breaches of settlement agreements and illegal debt sales. 
XXXX. Ensure all three entities are held accountable for these violations, including any appropriate penalties and corrective credit reporting. 

I have already sent a formal cease-and-desist letter to XXXX XXXX Solutions. Their continuation of this unlawful collection will be met with all available legal remedies.

Company response to consumer: Untimely response