Asset Recovery Associates

Dear Revdex.com,I must reiterate that Mr [redacted] account has been fully closed since June 10, As stated before, all contact has already been purged from our system and it shall not be subject to transfer or saleAdditionally, we ensure that Mr [redacted] *hall not be contacted by our company in the future regarding this or any other matterSincerely, [redacted] ***Compliance Manager

Dear Revdex.com, The account in question was a [redacted] Bank credit card that Ms [redacted] opened and kept active for quite some time until several months of non-payment prompted the original creditor to render it closed in August of Shortly following this default, the original creditor placed the account with many outside collection agencies for recovery of the full balance, at the time totaling $1,Of the four agencies to do so, it was noted that all efforts were exhausted and none were able to obtain any form of payment from Ms [redacted] Eventually, the original creditor was forced to sell the account in a last-ditch effort to recoup a small portion of the losses they sustainedARA Incpurchased the file as part of a larger portfolio of defaulted accountsI thoroughly reviewed Ms [redacted] ’s file as well as interviewed Ms [redacted] , the representative with whom she spokeMs [redacted] states that on January 26, she received a call from Ms [redacted] , who stated she was returning a voicemail she had receivedMs [redacted] states that following identity verification, she relayed the pertinent details of her accountMs [redacted] states that Ms [redacted] expressed that she did not recall the account, but requested something in writing detailing the debt that she would reviewMs [redacted] states she agreed to send a letter out and they ended the callAlthough I cannot speak to Ms [redacted] ’s memory of her debt, I must state that we believe there to be no errorIt should be noted that not only was her account sold in a federally regulated sale, for which complete validation must be presented by the selling party, but the original creditor even made this a matter of public record following defaultIn the seven years this was listed to her credit report, none of the credit reporting agencies received any form of dispute from Ms [redacted] for this particular trade lineAdditionally, as her file reflects, Ms [redacted] ’s name and social security number are attached to this debt and payments were received to keep this account open and active for over two yearsIt was only when the payments abruptly ceased that the original creditor closed and eventually sold the accountI must state that we find ourselves in a rather unfortunate industryThe nature of our business often elicits disdain from those who we have informed have neglected their debts and are still liable for themRegardless, I have presented this matter to my administrators for their considerationDue to the involvement of your office, I have been instructed to render Ms [redacted] ’s file closedAll associated contact information has been purged and it shall not be subject to transfer or saleThank you very much for your assistance in this matterSincerely, [redacted] Compliance Manager

Initial Business Response / [redacted] (1000, 5, 2015/06/11) */ Dear Ms [redacted] The account in question was a [redacted] Bank account that Mr [redacted] opened and kept active for quite some time until several months of non-payment prompted the original creditor to render it closed in October of The original creditor then placed the account with outside collection agencies for recovery of the full balance, at the time totaling $Of all the agencies to do so, it was noted that all efforts were exhausted and none were able to obtain any form of payment from Mr***Eventually, the original creditor was forced to sell the account in a last-ditch effort to recoup a small portion of the losses they sustainedARA Incpurchased the file as part of a larger portfolio of defaulted accounts I thoroughly reviewed the file as well as interviewed Mr.***, the representative with whom Mr [redacted] spokeMr[redacted] states that on April 1, at around 10:A.MCST, he contacted Mr [redacted] in order to seek resolution on his outstanding balanceMr[redacted] states that following identity verification, he relayed the pertinent details of his accountMr[redacted] states that before he could offer Mr [redacted] a settlement offer, he stated that the debt was old and ended the call To address the alleged behavior of our representative, I must state that after checking his personnel file for any indication of previous similar behavior, it would be highly unlikely from himRegardless, I have placed him on a supervisory period lasting no less than days as a precautionary measureThis includes random monitoring and weekly administrative reviews It seems as though Mr [redacted] believes that because he debt has accumulated age that he is no longer liable to pay it, I must state we believe him to be mistakenWhen Mr [redacted] signed the contract to open up this credit card, he agreed that he would pay it back in full regardless of the possibility of legal enforcementIt should be stressed that a debt shall be due until it is either paid, proven fraudulent, included in a bankruptcy or the consumer is deceasedSince Mr***'s account meets none of the criteria for a discharged debt, we must assume it remains just and due Although my administrators believe Mr***'s debt is nothing other than a valid one, it is with respect to your office that they have instructed me to render his file closedAll associated contact information has been purged and it shall not be subject to transfer or sale Thank you very much for your assistance in this matter Sincerely, [redacted] Compliance Manager Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/06/13) */ (The consumer indicated he/she ACCEPTED the response from the business.)

Dear Revdex.com, The account in question was a [redacted] credit card that Mr [redacted] opened and kept active for quite some time until several months of non-payment prompted the original creditor to render it closed in February of Shortly following this default, the original creditor placed the account with many outside collection agencies for recovery of the full balance, at the time totaling $1,Of the three agencies to do so, it was noted that all efforts were exhausted and none were able to obtain any form of payment from Mr [redacted] Eventually, the original creditor was forced to sell the account in a last-ditch effort to recoup a small portion of the losses they sustainedARA Incpurchased the file as part of a larger portfolio of defaulted accountsI thoroughly reviewed Mr [redacted] ’s file as well as interviewed Mr***, the representative with whom he spokeMr [redacted] states that on February 06, he contacted Mr [redacted] to seek resolution on his outstanding balanceMr [redacted] states that following identity verification, he relayed pertinent details of his accountHe states that Mr [redacted] stated that he had a [redacted] credit card many years ago, but nothing sinceMr [redacted] states explained that he was calling to see if Mr***’s had any interest in resolving the debt for a reduced settlement of the original debtMr [redacted] states Mr [redacted] became agitated, stated he had no interest paying the debt and ended the callTo address the alleged behavior of our representative, I must state it would be highly unlikely from himHowever, I have placed Mr [redacted] on a supervisory period lasting no less than daysThis includes random monitoring and weekly administrative reviews to ensure no incident similar in nature does occur in the futureAs for the debt itself, I must state we believe there to be no errorAlthough it has accumulated significant age, the fact is that once a debt is generated, it is considered due until it is paid, was included in a Bankruptcy or cited as fraudulentFurthermore, it should be stressed that the age of a debt does not alter the past, nor does it change the moment in time in which it was createdNonetheless, due to the involvement of your office, I have been instructed to render Mr [redacted] ’s file closedAll associated contact information has been purged and it shall not be subject to transfer or saleThank you very much for your assistance in this matter Sincerely, [redacted] Compliance Manager

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to meI understand I will receive no further contact from this entity and that this matter is permanently closed Thank you! Sincerely, [redacted]

Dear Revdex.com, The account in question was a [redacted] credit card that Mr [redacted] opened and kept active for quite some time until several months of non-payment prompted the original creditor to render it closed in January of Shortly following this default, the original creditor placed the account with an outside collection agency for recovery of the full balance, at the time totaling $After several attempts, the agency noted that all efforts were exhausted and none were able to obtain any form of payment from Mr [redacted] Eventually, the original creditor was forced to sell the account in a last-ditch effort to recoup a small portion of the losses they sustainedARA Incpurchased the file as part of a larger portfolio of defaulted accountsI thoroughly reviewed Mr [redacted] ’s file as well as spoke with Ms***, the representative with whom he spokeMs [redacted] states that on February 16, she contacted Mr [redacted] to seek resolution on his outstanding balanceMs [redacted] states that following identity verification, she relayed the pertinent details of his accountMs [redacted] states that Mr [redacted] did not recall the debt, so she stated she would transfer him to a representative who could provide further detailsMs [redacted] states she received a transferred call and spoke with Mr [redacted] about his debt in greater detailShe states that Mr [redacted] expressed interest in entering in a settlement agreement, but stressed that he needed something in writing firstMs [redacted] states that she stated she would send a letter via email and Mr [redacted] stated he would review it and ended the callTo address the alleged behavior of our representatives, I must state it would be highly unlikely from either of themNonetheless, I have placed both Ms [redacted] and Ms [redacted] on a supervisory period lasting no less than daysThis includes random monitoring and weekly administrative reviews to ensure no incident similar in behavior does occur in the futureAlthough I cannot speak to Mr [redacted] ’s memory of his debt, it should be stated that we believe it to be a valid oneIt is not uncommon for consumers to not easily recall a debt that accumulated significant ageHowever, that alone does not render it invalidOur intention in contacting Mr [redacted] was merely to offer him a reduced settlement on his outstanding balance and seek what position he held on resolutionI have conferred with my administrators regarding this matterDue to the involvement of your office, they have instructed me to render Mr [redacted] ’s file closedAll associated contact information has been purged and it shall not be subject to transfer or saleThank you very much for your assistance in this matterSincerely, [redacted] Compliance Manager

Dear Revdex.com, The account in question was a [redacted] Bank account that Mr [redacted] opened and kept active for over a year until several months of non-payment prompted the original creditor to render it closed in November of Following this default, the original creditor placed the account with several outside collection agencies for recovery of the full balance, at the time totaling $1,Of the four agencies to do so, it was noted that all efforts were exhausted and none were able to obtain any form of payment from Mr [redacted] Eventually, the original creditor was forced to sell the account in a last-ditch effort to recoup a small portion of the losses they sustainedARA Incpurchased the file as part of a larger portfolio of defaulted accounts I thoroughly reviewed Mr [redacted] ’s file as well as interviewed MsWashington and MsMassey, the representatives with whom he spokeMsWashington states that on June 07, 2016, she contacted Mr [redacted] to seek resolution on his outstanding balanceShe states that following identity verification, she relayed the pertinent details of Mr [redacted] ’s accountMsWashington states Mr [redacted] inquired after further details of his debt so relayed that she would escalate the call to MrMasseyMrMassey states that he received the call and answered Mr [redacted] ’s questions regarding his outstanding balanceHe states that he relayed that notices had been sent to Mr [redacted] via mailMr [redacted] stated he did not receive correspondence in the mail and asked what address they had been sent toMrMassey states he provided an address in which the letters were sent and Ms [redacted] denied that was his current addressMrMassey states that he asked Mr [redacted] for his current address so a letter could be sent, but Mr [redacted] became agitated and ended the call To address the alleged behavior of our representatives, I must state it would be highly unlikely from themRegardless, I have placed both MsWashington and MrMassey on a supervisory period lasting no less than days as a precautionary measureThis includes random monitoring and weekly administrative reviews to ensure no incident similar in nature does occur in the future Although I cannot speak to Mr [redacted] ’s recollection of his debt, I can speak to its validityIt should be noted that before a creditor can sell an account, it must first be validated within the strict regulations of the FDCPASimply put, this means that the original creditor must evidence the originator of the account by verifying the name and social security number it was opened inAdditionally, the original creditor must prove that matter was reported to the consumer’s credit report, show payment history and ensure it was not included in a Bankruptcy or cited as fraudulentThe account was deemed valid within these regulations and an Affidavit of Assignment was issued as verification of this informationThat being stated, we must assume Mr [redacted] ’s account was just and due at the time of contact I have appealed to my administrators regarding this matterDue to the involvement of your office, they have instructed me to render Mr [redacted] ’s file closedAll associated contact information has been purged and it shall not be subject to transfer or sale Thank you very much for your assistance in this matter Sincerely, [redacted] Compliance Manager

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to meAlthough, I believe some of Mr [redacted] statement to be inaccurate Sincerely, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Sincerely, [redacted]

Dear Revdex.com, The account in question was an Associates Bank account that Ms [redacted] opened and kept active for quite some time until several months of non-payment prompted the original creditor to render it closed in September of Shortly following this default, the original creditor placed the account with many outside collection agencies for recovery of the full balance, at the time totaling $1,Of the four agencies to do so, it was noted that all efforts were exhausted and none were able to obtain any form of payment from Ms [redacted] Eventually, the original creditor was forced to sell the account in a last-ditch effort to recoup a small portion of the losses they sustainedARA Incpurchased the file as part of larger portfolio of defaulted accountsI thoroughly reviewed Ms [redacted] account as well as interviewed Mr [redacted] and Ms [redacted] the representatives with whom she spokeMs [redacted] states that on May 05, she received a call from someone inquiring information about a letter that had been sent to herAs in our policy, Ms [redacted] states that she asked the consumer to verify her name so she could proceed with pertinent informationMs [redacted] states that the consumer became irate and refused to verify her informationMs [redacted] states she relayed to her that we cannot proceed any further if the consumer does not verify her informationMs [redacted] says the consumer then became very agitated and ended the callLater that day, Mr [redacted] states he received a call from the same consumer and stated she also refused to verify that it was the name on the account in questionHe states he attempted to explain that such verification was necessary before discussing the accountMr [redacted] states the consumer vehemently refused to do so and ended the callTo address the alleged behavior of our representatives, I must state that it would be highly unlikely for either of themHowever, I have placed both Ms [redacted] and Mr [redacted] on a supervisory period lasting no less than days as a precautionary measureThis includes random monitoring and weekly reviews to ensure no incident similar in nature does occur in the futureIt should be noted that often consumers do not easily recall debts that have been neglected for a long period of timeAlthough I cannot speak to Ms [redacted] ’ memory of her debt, I can state that it does belong to herBefore a creditor can sell an account, it must first be validated within the strict regulations of the FDCPAThis means that the creditor must evidence the originator of the account (Ms [redacted] ) by verifying the name and social security number it was originally opened inAdditionally, they must report the matter to the consumers credit report, show payment history and ensure the account was not included in a Bankruptcy or cited as fraudulentSince the account was deemed valid within these regulations, we must assume it was just and due at the time of contactIt should be stressed that in the seven years this was listed to her credit report, there have been no documented disputes from Ms [redacted] regarding this accountHowever, I have appealed to my administrators regarding this matterDue to the involvement of your office, they have instructed me to render Ms [redacted] ’ account fully closedAll associated contact information has been erased and it shall not be subject to transfer or saleThank you very much for your assistance in this matterSincerely, [redacted] Compliance Manager

Dear Revdex.com, The account in question was a [redacted] credit card that Mr [redacted] opened and kept active for quite some time until several months of non-payment prompted the original creditor to render it closedShortly following this default, the original creditor placed the account with an outside collection agency for recovery of the full balance, at the time totaling $After several attempts, the agency noted that all efforts were exhausted and none were able to obtain any form of payment from Mr***Eventually, the original creditor was forced to sell the account in a last-ditch effort to recoup a small portion of the losses they sustainedARA Incpurchased the file as part of a larger portfolio of defaulted accountsTo address Mr***’s assertion that he does not owe this debt, it should be stressed that prior to purchase of all accounts, we must be assured they have been validated within the strict regulations of the FDCPAThis means that the original creditor must evidence the originator of each account by verifying the name and social security number in which each was opened withAdditionally, they must report the matter to the consumer’s credit report as well as show payment history and finally ensure that it has not been included in a Bankruptcy or cited as fraudulentSince the account was deemed valid within these regulations, we must assume it remains just and dueIt should be noted that my records reflect that only one letter was sent to Mr [redacted] regarding his outstanding balanceAs to Mr***’s assertion that he has no record of this debt, I must state that if he had afforded us the opportunity to explain the relevant details of the letter, he may have a different position on the matterUnfortunately, Mr [redacted] is still limited on the pertinent information regarding his accountAt no point did he allow our company to justify or explain the nature of our contactHowever, due to the involvement of your office, I have been instructed to render Mr***’s file closedAll associated contact information has been purged and it shall not be subject to transfer or sale Thank you very much for your assistance in this matterSincerely, [redacted] Compliance Manager

Dear Revdex.com, The account in question was a [redacted] Bank credit card that Mr [redacted] opened and kept active for over four years until several months of non-payment prompted the original creditor to render it closed in October of Shortly following this default, the original creditor placed the account with several outside collection agencies for recovery of the full balance, at the time totaling $2,Of the four agencies to do so, it was noted that all efforts were exhausted and none were able to obtain any form of payment from Mr [redacted] Eventually, the original creditor was forced to sell the account in a last-ditch effort to recoup a small portion of the losses they sustainedARA Incpurchased the file as part of a larger portfolio of defaulted accountsIt is clear that Mr [redacted] is reacting very strongly to information he has “researched” on the internetI must state that as a business that operates in an industry whose main objective is recovering long-past due debts, it is not uncommon for us to find ourselves under the scrutiny of people who choose to vent their frustrations behind the shield of anonymity that is the internetWe cannot be held responsible for the critics who choose to condemn our business as less than legitimate simply because they say it is soIt should also be stressed that often consumers do not recall or do not believe they are still liable for a debt that has been neglected for so many yearsHowever, this debt has been listed to Mr [redacted] ’s credit report seven years following default and that alone does not render it non-existentHowever, due to the involvement of your office, I have been instructed to render Mr [redacted] ’s file closedAll associated contact information has been purged and it shall not be subject to transfer or saleThank you very much for your assistance in this matterSincerely, [redacted] Compliance Manager

Dear [redacted] The account in question was a Providian Bank account that [redacted] opened in October of and kept active for quite some time until several months of non-payment prompted the original creditor to render it closed in February of Shortly following this default, the original creditor placed the account with outside collection agencies for recovery of the full balance, at the time totaling $2,Of the three companies to do so, it was noted that all efforts were exhausted and none were able to obtain any form of payment from [redacted] ***Eventually, the original creditor was forced to sell the account in a last-ditch effort to recoup a small portion of the losses they sustained [redacted] Incpurchased the file as part of a larger portfolio of defaulted accounts Although I cannot speak to [redacted] ***'s recollection of his debt, I can state that we believe [redacted] ***'s account to be nothing other than just and dueIt should be stated that not only was his account sold in a federally regulated sale, for which complete validation must be presented by the selling party, but the original creditor even made this a matter of public record following defaultIn the seven years this was listed to his credit report, none of the credit reporting agencies received any form of dispute from [redacted] for this particular trade line Additionally, as [redacted] ***'s file reflects, his social security number and name are attached to this debt and payments were received to keep this account open and active for over two years, an indication that the account was likely not opened fraudulentlyIt was only when said payments ended abruptly that the original creditor closed the account It should be noted that [redacted] ***'s account has been fully closedAll associated contact information has been erased and he shall not be contacted by our company regarding this or any other matter Thank you very much for your assistance in this matter Sincerely, [redacted] Compliance Manager

Complaint: I am rejecting this response because: This was NEVER MY ACCOUNTI never in my life had an account with HOUSEHOLD BANKEven though they say that they are closing it for further collections, I would like the evidence that I personally had this accountJust for the record I was not living in California during that time!!!! Sincerely, Iva [redacted]

Dear Revdex.com, The account in question was a Citifinancial credit card that Ms [redacted] opened and kept active for nearly five years until several months of non-payment prompted the original creditor to render it closed in January of Shortly following this default, the original creditor placed the account with numerous outside collection agencies for recovery of the full balance, at the time totaling $5,Of the five agencies to do so, it was noted that all efforts were exhausted and none were able to obtain any form of payment from Ms [redacted] Eventually, the original creditor was forced to sell the account in a last-ditch effort to recoup a small portion of the losses they sustainedARA Incpurchased the file as part of a larger portfolio of defaulted accountsI thoroughly r reviewed Ms [redacted] ’s account as well as interviewed Mr [redacted] , the representative with whom she spokeMr [redacted] states that on November he contacted Ms [redacted] to seek resolution on her outstanding balanceMr [redacted] states that following identity verification, he relayed the pertinent details of her accountHe states that Ms [redacted] immeditaley became irate and stated she would be contacting the attorney generalMr [redacted] states he relayed that he was merely attempting to notify Ms [redacted] of an outstanding balanceMr [redacted] states Ms [redacted] then abruptly ended the callAs for the alleged behavior of Mr [redacted] , I must state it would be highly unlikely from himHowever, due to the nature of the complaint, I have placed him on a supervisory period lasting no less than daysThis includes random monitoring of all calls and weekly administrative reviews to ensure no incident similar in behavior does occur in the futureIt seems as though Ms [redacted] is operating under the impression that because her debt has accumulated significant age, she is no longer responsible for said debtIt should be noted that a debt shall remain due until it is either paid; the debtor is deceased, was included in a Bankruptcy or cited as fraudulentSince Ms [redacted] ’s account meets none of the requirements of a discharged debt, we must assume it remains just and dueRegardless, I have presented this matter to my administrators for their considerationDue to the involvement of your office, I have been instructed to render Ms [redacted] ’s file closedAll associated contact has been purged and it shall not be subject to transfer or saleThank you very much for your assistance in this matterSincerely, [redacted] Compliance Manager

Dear Revdex.com, Although the address Ms [redacted] provided does belong to our company,it should be noted that the phone number, extension and name of the representative with whom she spoke does notI must reiterate that we did a thorough search under the name [redacted] and it yielded no results in our databaseWe still firmly believe that Ms [redacted] has mistaken us with another companySincerely, [redacted] Compliance Manager

Dear Revdex.com,The account in question was a HSBC Card Services credit card that Ms [redacted] opened and kept active for over seven years until several months of non-payment prompted the original creditor to render it closed in August of Shortly following this default, the original creditor placed the account with several outside collection agencies for recovery of the full balance, at the time totaling $3,Of the four agencies to do so, it was noted that all efforts were exhausted and none were able to obtain any form of payment from MsKeranEventually, the original creditor was forced to sell the account in a last-ditch effort to recoup a small portion of the losses they sustainedARA Incpurchased the file as part of a larger portfolio of defaulted accounts.To address Ms [redacted] assertion that this debt does not belong to her, I must state we beilieve that to be a impressionIt should be noted that in order for a creditor to sell an account, it must first be validated within the strict regulations of the FDCPAThis means that they must evidence the originator of the account by verifying the name and social security number attached when it was openedAdditionally, they must report the matter to the consumers credit report as well as show payment history and ensure that it was not included in a Bankruptcy or cited as fraudulentSince the account was deemed valid within these regulations, we must assume it remained just and due when Ms [redacted] recieved said letter.Regardless, I have conferred with my administrators regarding this matterIt is with the involvement of your office that they have instructed me to render Ms [redacted] file closedAll associated contact information has been purged and it shall not be subject to transfer or sale

Initial Business Response / [redacted] (1000, 5, 2015/05/21) */ Dear Ms [redacted] After a thorough search of our system, we were unable to locate the file in questionAdditionally, Ms [redacted] cites in her complaint that she spoke to a representative by the name of Justin who had filed paperwork with a Jessica CoopersI must state that do not have currently nor have ever had anyone by those names working with or affiliated with our companyThis leads us to believe that Ms [redacted] has confused us with another companyWe regret the confusion Thank you very much for your assistance in this matter Sincerely, Jessica [redacted] Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/05/22) */ (The consumer indicated he/she ACCEPTED the response from the business.) I believe Ms [redacted] and now believe that someone was calling using ARA's business name to attempt to extort funds from meI thank you and Ms [redacted] for your time on this matter

Dear Revdex.com, We were unable to locate the file in questionUpon further review of Ms [redacted] complaint, she cites the phone number of the company that contacted her as ( [redacted] Our company phone number is [redacted] This leads me to believe that she has mistaken us with another companyWe regret the confusionThank you very much for your assistance in this matterSincerely, [redacted] Compliance Manager

Initial Business Response / [redacted] (1000, 5, 2015/06/19) */ Dear Ms. [redacted] The account in question was a Providian Bank account that Ms. [redacted] opened and kept active for quite some time until several months of non-payment prompted the original creditor to render it closed in September of 2000.... Following this default, the original creditor placed the account with numerous outside collection agencies for recovery of the full balance, at the time totaling $2,357.22. Of the three agencies to do so, it was noted that all efforts were exhausted and none were able to obtain any form of payment from Ms. [redacted] . Eventually, the original creditor was forced to sell the account in a last-ditch effort to recoup a small portion of the losses they sustained. ARA Inc. purchased the file as part of a larger portfolio of defaulted accounts. As for the alleged behavior of our representative, [redacted] I must state that I have placed him on a supervisory period lasting no less than 30 days. This includes random monitoring and weekly administrative reviews to ensure no similar behavior occurs in the future. Although I cannot speak to Ms. [redacted] ' memory of her debt, I must state that we believe there to be no error in contacting her. It should be noted that in order for a creditor to sell an account, they must validate it within the strict regulations of the FDCPA. This means, simply, that they must evidence the originator of the account as well as report as well as report the matter to the to the consumer's credit report, show some form of payment history, and finally ensure that the account was not included in a bankruptcy or cited as fraudulent. The account was deemed valid within these regulations and an Affidavit of Assignment was issued as a verification of this information. We are in an industry that deals with recovering long-neglected debts from consumers who are often times less than thrilled to be reminded of said debts. Ms. [redacted] may not recollect her debt, but since the account was opened under her name and social security number, paid on for quite some time and never disputed, we must assume this is her debt. That being stated, due to the involvement of your office, my administrators have instructed me to render Ms. [redacted] 's file closed. All associated contact information has been erased and it shall not be subject to transfer or sale. Thank you very much for your assistance in this matter. Sincerely, [redacted] Compliance Manager