I got phone call from ARC around XX/XX/XXXX and got a mail XX/XX/XXXX, XXXX report me to credit bureau on XXXX XXXX, even before I got notice from them!!! 
accounting to " Fair Debt Collection Practices Act '' this federal law said '' Debt Collector Must Send Written Notice of a Debt '' and with five days of contacting me, a debt collector must send me a written notice telling me the amount of money I owe and the name of the creditor. But ARC DO NOT do this!