Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Ability Recovery Services, LLC
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Ar, XXXX XXXX XXXX Date : XXXX/XXXX/XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute of Inaccurate and Incomplete Credit Dear XXXX , I am writing to dispute inaccurate and incomplete information that appears on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to have my credit report contain only accurate and verifiable information. As such, I request the immediate removal of the following items from my credit report as they are inaccurate and incomplete : Creditor Name : XXXX XXXX XXXX XXXX Account Number : [ Insert account number if available ] Balance : {$1400.00} Reported Open Date : XXXX XXXX, XXXX The information reported in this account is inaccurate for the following reasons : [ Explain the inaccuracies, e.g., I do not recognize the debt, or This account is incomplete, as it does not include my timely payments, or This debt has already been settled. ] Case Law Supporting My Request : " Cushman v.XX/XX/XXXX Corp. '' ( 2001 ), 115 F. Supp. 2d 1093 ( D. Or. 2001 ) : This case emphasizes that the credit reporting agencies have a duty to ensure the information on a consumers credit report is complete and accurate. If a credit reporting agency fails to correct or remove information that is shown to be inaccurate or incomplete, it may be held liable under the FCRA.

" Dennis v. BEH-1, LLC '' ( 2007 ), 520 F.3d 1066 ( 9th Cir. 2007 ) : In this case, the court held that credit reporting agencies must perform a reasonable reinvestigation of disputes and remove any negative items that are not verifiable or found to be incomplete or inaccurate.

" Pinner v. Schmidt '' ( 1986 ), 805 F.2d 1258 ( 7th Cir. 1986 ) : This decision reinforces that a consumers credit report must not contain unverifiable or incomplete information, and it further mandates that the reporting agencies must investigate any dispute to ensure the accuracy and completeness of information. 
As stated in the above cases, I request that XXXX conduct a thorough investigation of this account and remove the inaccurate and incomplete information immediately. The FCRA mandates that any item found to be unverifiable or incomplete be removed from the credit report, as was outlined in Dennis v. BEH-1, LLC. 

In accordance with the FCRA, please provide me with a written report detailing the results of your investigation and the actions taken. Should the disputed information remain, I expect clear documentation proving its validity. If XXXX is unable to verify the accuracy and completeness of this account, I request immediate removal from my credit report. 

Please notify me of the results of your investigation within 30 days, as required by law. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

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