Consumer complaint received 2024-03-02
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Iowa XXXX Dispute of Collection Account and Violation of Consumer Rights, Request for Debt Validation and Purchase Agreement I am writing to dispute a collection account that has been reported to my consumer report by XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX phone number XXXX and ABLTY RECVRY XXXX XXXX XXXX XXXX PA XXXX phone number XXXX. Despite numerous attempts to obtain validation information as required under 12 CFR 1006.34 ( b ) ( 5 ), the collection agency has failed to provide any such documentation.

I am disputing all debts and revoking all rights Of communicating with me through via email text and call Furthermore, I have not been given a fair opportunity to dispute the account in question, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( I ). This lack of transparency and opportunity to contest the validity of the account violates my consumer rights.

Additionally, I believe that the collection agency is engaging in false, misleading, and deceptive practices. By reportin the account to consumer reporting agencies without providing the necessary disclosures required by law, they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). 

I request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to remedy the violations of my consumer rights. Enclosed are copies of any correspondence and documentatio related to this dispute for your review. 


Also I am writing to submit a formal complaint and request assistance in obtaining validation of a debt that has been placed in collections against me. Despite nunerous attempts to obtain this information from [ Name of Collection Agency ], they have failed to provide any documentation validating the debt as required under the Fair Debt Collection Practices Act ( FDCPA ).

Specifically, I request the following information : 1. Validation of the debt, including details such as the original creditor, the amount owed, and the date of default.

2. A copy of the purchase agreement between the original creditor and [ Name of Collection Agency ], outlining the terms of the sale of the debt.

3. Proof of license and bonding for [ Name of Collection Agency ], demonstrating their authority to collect debts in my state. 

I believe that obtaining this information is crucial in ensring the accuracy and legitimacy of the debt being claimed against me. Without proper validation and documentation, I am unable to verify the validity of the debt or assess any potential inaccuracies or discrepancies. 

I kindly request that the Consumer Financial Protection Bureau intervene on my behalf to compel [ Name of Collection Agency ] to provide the requested information in accordance with the FDCPA and other relvant consumer protection laws. 

Thank you for your attention to this matter. I trust that you will take the necessary steps to ensure that my rights as a consumer are protected. I look foeward to your prompt assistance in resolving this issue. 

Sincerely, XXXX XXXX