New York Consumer Sues Arcadia Recovery Bureau for Allegedly Failing to Properly Identify Creditor

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A New York consumer has filed a proposed class action against Arcadia Recovery Bureau, LLC accusing the debt collector of sending a collection notice that failed to explicitly and clearly identify the creditor to whom the plaintiff’s debt is owed.

In September 2017, the defendant sent the plaintiff a letter that named MSMC Emergency Services Associates as a creditor, according to the lawsuit. The suit alleges the plaintiff owes no money to the creditor identified in the letter and that there is “no such entity…on file with the New York Department of State.” The case claims that, in violation of the Fair Debt Collection Practices Act, the letter failed “to identify by name and label any entity as ‘original creditor,’ ‘current creditor,’ ‘account owner,’ or ‘creditor to whom the debt is owed,’” causing the plaintiff to be confused as to whom he owes a debt.