Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: American Elite Recovery, LLC
State: CO

Complaint narrative:
Dear Sir or Madam, I am writing to formally dispute the validity of the debt collection account reported by Elite Recovery Group LLC, as indicated on my credit report from XXXX XXXX, dated XX/XX/XXXX. The account, originally credited to XXXX XXXX with a current balance of {$970.00}, was opened on XX/XX/XXXX, and has been marked as " Placed for collection '' and " Derogatory. '' I assert that this debt remains unverified, and I demand full validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

On or about 10/2024, I submitted a written request to Elite Recovery Group LLC for validation of this debt, including but not limited to : A copy of the original signed contract or agreement bearing my signature that created the alleged debt.

A complete payment history detailing all transactions and amounts applied to the account. 



Proof of the amount of the alleged debt, including any interest, fees, or charges added. 



Documentation evidencing the assignment or transfer of the debt from the original creditor, XXXX XXXX, to Elite Recovery Group LLC.

Any correspondence or notices sent to me prior to the initiation of collection efforts.

Elite Recovery Group LLC provided partial documentation in response but failed to supply the complete set of requested items. Upon my subsequent request for the remaining documents, they declined to provide them, constituting a violation of my rights under the FDCPA. This refusal to fully validate the debt renders the collection effort unlawful, and I hereby demand that all collection activities cease immediately until complete validation is provided.

Additionally, Elite Recovery Group LLC contacted me at my work phone number, which I believe violates Section 805 ( a ) ( 3 ) of the FDCPA, 15 U.S.C. 1692c ( a ) ( 3 ), as it prohibits communication with a consumer at their place of employment if the debt collector knows or has reason to know that the employer prohibits such contact. I demand that all future communications be directed solely to my personal contact information provided above and that this violation be investigated.

I further request that the Consumer Financial Protection Bureau investigate this matter. I dispute the accuracy of the reported information, including the account status and balance, and note that the account information has been disputed by the consumer, as reflected in the XXXX XXXX report. I demand that XXXX XXXX XXXX XXXX cease reporting this account to credit bureaus until the debt is fully validated and that any derogatory marks be removed from my credit report. 

Please consider this letter as my formal complaint and request for investigation. I expect a written response within thirty ( XXXX ) days, as required by law, confirming receipt of this dispute and outlining the steps taken to resolve it. All future correspondence should be sent to the address listed above.

Company response to consumer: Untimely response