This agency is attempting to collect a debt from me for a debt I do not owe, but more troubling is the fact that this agency in not licensed by the Arkansas State Board of Collections to conduct the business of a collection agency within the state of Arkansas. 

This agency is communicating with me, while not being licensed, via my credit reports. 

XXXX v. XXXX XXXX , XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) ( " Reporting to credit bureaus is a communication within the FDCPA ) ) ; XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX XXXX, XXXX ) ( " rejecting the argument that reporting to the credit bureau was not a communication to the consumer and was not debt collection activity '' ) ) ; and, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX ) ( " The court has learned through its work on countless FDCPA cases that threatening to report and reporting debts to CRAs is one of the most commonly-used arrows in the debt collector 's quiver '' ) ). 

This agency is violating the FDCPA which are per se violations of the Arkansas Fair Debt Collection Practices Act, The Arkansas Collection Agency Act, and the Arkansas Deceptive Trade Practices Act. 

This agency also did not send me my right to dispute this debt, prior to entering this debt on my credit reports, which I do not owe. 

I can only assume that because they are not licensed to collect in my state, they incorrectly thought they could violate my rights by only reporting to my credit. 

This agency has violated numerous provisions of the FDCPA and Arkansas State Law, and should be brought to justice by your agency. 

Thank You 
