Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery One, LLC
State: AL

Complaint narrative:
Subject : Second Request for Debt Validation Continued Reporting of Unverified Information in Violation of Federal Law To Whom It May Concern, This letter serves as my second formal request for validation of the alleged debt that your company, Recovery One , LLC, claims I owe. My initial request was mailed directly to your address and it was ignored. As of today, your company has failed to provide any validation or verification of the alleged debt, yet continues to report this account to the consumer reporting agencies a direct violation of federal law.

Violation of the Fair Debt Collection Practices Act ( FDCPA ) Under 15 U.S.C. 1692g ( b ) of the FDCPA, once a consumer requests validation of a debt, the debt collector must cease all collection activity including, but not limited to, reporting the account to the credit bureaus until proper validation has been provided. Your failure to validate the debt while continuing to report it to the credit reporting agencies constitutes a clear violation of the FDCPA.

Continued collection efforts or reporting without validation is considered illegal debt collection activity and exposes your company to legal consequences, including but not limited to : Civil liability under 15 U.S.C. 1692k, which allows for actual damages, statutory damages up to {$1000.00}, and payment of the consumers attorneys fees and court costs.

Potential regulatory action and penalties by the Consumer Financial Protection Bureau ( CFPB ) and state regulators for noncompliance. 

Violation of the Fair Credit Reporting Act ( FCRA ) By continuing to furnish this unverified information to consumer reporting agencies since XX/XX/year>, your company is also in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), which mandates that furnishers of information must not report inaccurate or unverifiable information and must promptly correct or delete information they can not verify.

Failure to do so can result in : Civil liability for willful noncompliance under 15 U.S.C. 1681n, including actual damages, punitive damages, and attorneys fees.

Civil liability for negligent noncompliance under 15 U.S.C. 1681o, including actual damages and attorneys fees.

Demand for Immediate Action I am again demanding that Recovery One , LLC : Immediately cease all collection activity until you have provided full validation of the alleged debt.

Provide me with complete validation including, but not limited to : the original creditors name and contact information, the original account number, the itemized amount claimed, a copy of any signed agreement, and documentation establishing your legal right to collect.

Delete and remove all references to this account from XXXX, XXXX, and XXXX immediately, as you are currently furnishing unverified and inaccurate information in violation of federal law.

Provide me with written confirmation of the above actions within 15 days of receipt of this letter.

This letter will be submitted as part of a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), and I will also consider pursuing all legal remedies available to me if these violations are not remedied promptly. 

See attached formal debt validation letter

Company response to consumer: Closed with explanation