Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Ability Recovery Services, LLC
State: IN

Complaint narrative:
I am submitting this complaint against Ability Recovery Services regarding the reporting of an allegedly delinquent medical collection account that is inaccurate, incomplete, and not properly verified under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The company is reporting a derogatory collection account on my consumer credit reports in the amount of {$2400.00}, allegedly associated with XXXX XXXX XXXX XXXX. This account is being furnished to consumer reporting agencies despite the absence of competent documentary evidence establishing its accuracy, completeness, or my legal liability. The information being reported is materially deficient and fails to meet federal standards because it does not include : Itemized billing statements supporting the alleged balance ; Dates of service or treatment ; Explanation of Benefits ( EOB ) or insurance payment history ; Documentation showing how the {$2400.00} balance was calculated ; Signed agreement or financial responsibility documentation establishing liability ; Proof of assignment or legal authority to collect the alleged debt ; Date of first delinquency necessary for accurate credit reporting ; Any documented method of verification used to furnish this account. Pursuant to 15 U.S.C. 1692g, a debt collector must provide validation of a debt upon dispute. I dispute the validity, accuracy, and enforceability of this alleged obligation. To date, Ability Recovery Services has failed to provide competent verification sufficient to establish that the debt is accurate or legally owed. Furthermore, under 15 U.S.C. 1681e ( b ), consumer reporting agencies and furnishers are required to maintain reasonable procedures to assure the maximum possible accuracy of information reported. Furnishing a medical collection account without complete underlying documentation, including insurance adjudication records and itemized billing, does not satisfy the standard of maximum possible accuracy. Medical debt reporting is particularly susceptible to error due to insurance adjustments, coding discrepancies, duplicate billing, and administrative misallocations. In this case, the furnisher appears to be relying on conclusory account data rather than verifiable documentary evidence demonstrating that the alleged balance is correct and attributable to me. Under 15 U.S.C. 1692c, continued collection activityincluding credit reportingwithout proper validation following a dispute raises additional compliance concerns, particularly where the debt has not been substantiated with competent evidence. Accordingly, I am requesting that the Consumer Financial Protection Bureau require Ability Recovery Services and all associated consumer reporting agencies to : Conduct a reasonable investigation into this account consistent with FCRA requirements ; Provide complete documentary validation of the alleged debt, including itemized billing and insurance records ; Produce the full method of verification used to report this account ; Demonstrate proof of legal authority to collect and furnish this debt ; Cease furnishing any information that can not be fully verified ; and Permanently delete this account from all consumer reporting agencies if full and competent verification can not be produced. I also request preservation of all records, audit trails, internal notes, communications, and furnishing data used in connection with this account, including any automated matching or database verification processes. This complaint concerns violations and/or potential violations of : 15 U.S.C. 1692g 15 U.S.C. 1692c 15 U.S.C. 1681e ( b ) All applicable provisions of the FDCPA and FCRA governing accuracy, validation, and reasonable investigation standards. I request a formal written response supported by documentary evidence establishing the accuracy and legality of this reporting, or immediate deletion of the account from my consumer credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation