Consumer complaint received 2022-05-13
Company: Ability Recovery Services, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Good afternoon : I reviewed my credit report and noticed inaccurate reporting and possible fraud. While reviewing my credit report, I observed the collection company in question- Ability XXXX XXXX XXXX XXXX XXXX reported on my consumer credit report on behalf of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX also reported the same debt at or about the same time. I have attached a copy for your review. What's interesting is they are the same company. I have attached my letters written to them and the notices I received from the collection company. This violates the Fair Credit Collection Practice Act, prohibiting this from happening to consumers. On XX/XX/XXXX, I sent a certified letter to Ability Recovery Service aka XXXX aka XXXX XXXX XXXXe and requested debt validation according to the Fair Credit Collection Practice Act, 15 USC 1692g Sec. 809 ( b ). On XX/XX/XXXX, I received a letter from Ability Recovery Service, aka XXXX, aka XXXX XXXX XXXX. That stated they verified the debt with their client and provided NO proof of debt validation such as but not limited to contract, signature, or any documentation demonstrating facts proving this debt belongs to me, which is a violation of the Fair Credit Collection Practice Act. On XX/XX/XXXX, I sent a certified letter to XXXX, XXXX, and XXXX disputing this debt because I believed this was fraudulent and inaccurately being reported to my credit report. I received a response from XXXX and XXXX that stated, " debt validated and will remain. '' Still, they both failed to provide debt validation, such as but not limited to contract, signature, or any documentation demonstrating facts proving this debt belongs to me or an explanation of how they validated the debt, which is a violation of the FCRA and FCCPA. I sent another certified letter by mail on XX/XX/XXXX to XXXX XXXX XXXX, aka XXXX, aka XXXX XXXX XXXX, and requested debt validation according to the Fair Credit Collection Practice Act, 15 USC 1692g Sec. 809 ( b ). with no response. Again they violated the Fair Credit Collection Practice Act. On XX/XX/XXXX, I sent certified mail as a SECOND attempt to XXXX and XXXX requesting validation of the debt. Both XXXX and XXXX failed to respond within 30 days and produce facts, documentation, or evidence to prove this debt belongs to me. On XX/XX/XXXX, I sent by certified mail a THIRD request letter to XXXX that the unverified items remained on my credit report in violation of the Federal Law and they are required under the FCRA to have a copy of the original creditor 's documentation on file to verify the information is in fact mines and correct. I demanded to know who verified these accounts and the method of verification and requested the account to be deleted from my account. XXXX failed to respond and produce evidence this debt belongs to me within 30 days. On XX/XX/XXXX, I sent by certified mail to XXXX a THIRD attempt letter requesting physical proof of the original signed consumer contract-any an all documents proving this debt belongs to me per the Fair Credit Collection Practice Act, Section 609 ( a ) ( 1 ) ( A ). I received no proof again validating that this debt belongs to me, violating my consumer rights under FCRA and FCCPA. On XX/XX/XXXX, I received a letter from Ability Recovery Service, aka XXXX, aka XXXX XXXX XXXX, that stated : " they have verified the information with their client. '' They failed to provide physical proof of the original signed consumer contract verification. All documents prove this debt belongs to me per the Fair Credit Collection Practice Act, another violation. On XXXX, I sent another certified mail letter to XXXX XXXX as a THIRD attempt. I exercised my right under the FCRA 611 ( a ) ( 7 ) to request a complete description of all the methods used to investigate my aforementioned dispute and requested this account be deleted because they failed to provide ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ), and must delete this account if it could not be verified under Section 611 ( 5 ) ( A ) of the FCRA. I informed them they would be in noncompliance per Section 617 of the FCRA if they failed to comply ; it's considered " negligent and noncompliance '' I did NOT receive a proper response. On XX/XX/XXXX, I sent a certified letter to XXXX as a FOURTH attempt to exercise my right under the FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute mentioned above. I asked for the account to be deleted because they failed to provide ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and must delete this account if it could not be verified under Section 611 ( 5 ) ( A ) of the FCRA. XXXX did not provide a proper response and violated my consumer rights again. On XX/XX/XXXX, I sent a certified letter as a FOURTH attempt by mail to XXXX demanding verifiable proof and if the debt could not be proven, it MUST be deleted again if they failed to comply with FCRA and FCCPA. On XX/XX/XXXX, I sent a certified letter as a FIFTH attempt by mail to XXXX demanding verifiable proof, and if the debt could not be proven, it MUST be deleted, again they failed to produce any evidence this debt belongs to me and violated the FCRA and FCCPA. On XX/XX/XXXX, I sent a certified letter as a FIFTH attempt by mail to XXXX demanding verifiable proof, and if the debt could not be proven, it MUST be deleted again ; they failed to produce any evidence this debt belongs to me and violated the FCRA and FCCPA. 

I have exhausted my attempts to resolve this matter at this point. I felt it was necessary to file a complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation