Consumer complaint received 2022-08-01
Company: Elevate Recoveries, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I received a notification from my credit tracker indicating that I had a new trade line opened. After further researching it wasn't a new trade line rather a collection reporting made by Elevate Recoveries , LLC. I was shocked because I had never heard of the company nor had I received a validation of debt. I researched the company and located the toll free number online. I contacted the company the same day to inquire about the validation of debt. The representative indicated that they mailed out a validation of debt notice on XX/XX/XXXX. I asked why had the debt been reported if I hadn't been contacted or had the opportunity to dispute the debt and the collector indicated they had attempted to reach me and my voicemail was full and the account had been on their system since XXXX. I disputed the fact that any calls had been made or contact had been established and wanted to understand how the credit reporting took place without sending a validation of debt or establishing contact. The collector indicated they were not in violation of FDCPA which I disagreed and advised I would be filing a complaint. She indicated she would transfer me to a supervisor and ultimately XXXX transferred me back into the collection queue. Additionally, the IVR nor the collector provided the mini-miranda when I called nor during the phone call. 
The next day XX/XX/XXXX I received a settlement offer/validation of debt that was mailed to my parents address. The letter was dated XX/XX/XXXX and provided me with the opportunity to settle the debt in addition to validate it at the same time. The validation of debt notice was not clear and conspicuous, referring me to the back of the notice for all consumer related information. The notice did not include a tear-off form to send back to the debt collector to dispute the debt or take other actions, nor did the creditor wait a reasonable amount of time prior to submitting negative information to the credit bureau XXXX 
The reporting to the credit bureau, not only negatively impacted my score, decreasing it by XXXX points, the reporting also impacted my ability to move forward with a transaction that I was currently in the process of finalizing. The company acted reckless and not only provided me with false information when I called, they also are proceeding with credit reporting without allowing consumers the opportunity to dispute the debt in addition not providing a fully compliant validation of debt notice. The company did not provide an itemization of the debt owed, just a full amount and doesn't list what services were provided. My credit is damaged because of this reporting and I would like it removed immediately and will be reaching out to my attorney for information on how to file suit against the company and collector for failing to provide the mini-miranda and disclosing that their collect efforts were met because they attempted to contact me and my voicemail was full and never made established contact.

Company response to consumer: Closed with explanation