Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Ability Recovery Services, LLC (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute of Debt and Demand for Validation** **Dear Sir/Madam, ** I am writing to formally dispute the validity of the debt reported by your agency, Ability Recovery Services, on my credit report. According to my records, a new account in collections was added to my credit report between XX/XX/XXXX, and XX/XX/XXXX. The original creditor is listed as XXXX XXXX XXXX XXXX. The details of the account are as follows : - **Collection Agency : ** Ability Recovery Services- **Original Creditor : ** XXXX XXXX XXXX XXXX XXXX XXXX : ** {$1100.00} - **Account Opened : ** XX/XX/XXXX - **Account Status : ** Open - *XXXX : ** Medical Additional details reported on XX/XX/XXXX, are as follows : - **Collection Agency : ** Ability Recovery Services- **Original Creditor : ** XXXXXXXX XXXX XXXX XXXX  - **Amount : ** {$1100.00} XXXX **Account Opened : ** XX/XX/XXXX - **Account Status : ** Open - **Type : ** -- - **Responsibility : ** Individual - **Remarks : ** XXXX # # # Dispute of Debt Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting validation and verification of this debt. Please provide : 1. Proof that I owe this debt.

2. A detailed account statement showing how the debt amount of {$1100.00} was calculated. 
XXXX. Copies of any signed agreements or contracts that indicate my consent to this debt. 
XXXX. Documentation that proves Ability Recovery Services ' right to collect this debt from me. 

# # # Violation of Privacy and Consent Additionally, I believe my personal information was sold and used without my consent, in violation of my rights under 15 U.S.C. 6802 and 15 U.S.C. 6803. I demand evidence of any consent or authorization given by me for the sharing or selling of my information. 

# # # Demand for Compensation Given the unauthorized sale and use of my information and the lack of proper validation of the debt, I am seeking compensation for these violations. As stipulated under federal law, I am entitled to {$1000.00} for each violation of my rights. Therefore, I demand : 1. Immediate cessation of all collection activities on this account until proper validation is provided.

2. Removal of this collection account from my credit report.

3. Payment of {$1000.00} for each violation of my rights under 15 U.S.C. 6802, 15 U.S.C. 6803, and 15 U.S.C. 1692g. 

# # # Conclusion Please treat this letter as a formal dispute and a request for debt validation as outlined by the Fair Debt Collection Practices Act. I expect a response within 30 days from the date of this letter. If I do not receive a satisfactory response, I will not hesitate to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and seek legal remedies. 

Thank you for your prompt attention to this matter. 

Sincerely, ** [ XXXX XXXX ] **