Lawsuit: Debt Collectors Evade Verification, Send False Information

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Professional Claims Bureau, Inc. (PCB), ARStrat, LLC (ARS), OPTUM360, LLC, and its subsidiary Ingram & Associates are the defendants in a proposed class action lawsuit that claims they violated various provisions of the Fair Debt Collection Practices Act (FDCPA). The plaintiff says she disputed a debt that ARS and PCB were attempting to collect from her, but never received verification of the alleged debt from either company. She claims the ARS letter was falsely titled “Second Notice” when it was actually the initial communication she received from the debt collector. The complaint further argues that the two letters named different creditors for the same alleged debt, in violation of the FDCPA, which requires that debt collectors clearly identify consumers’ creditors.

The plaintiff attests that she attempted to verify the alleged debt by visiting ARS’s website, but that the site displayed Ingram’s banner and logo. “Either ARS is using Ingram’s name, or Ingram is using ARS’s name, in violation of [the FDCPA],” the suit argues.