Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Recuvery LLC
State: NY

Complaint narrative:
Subject : Rebuttal Response CFPB Complaint Against XXXX XXXX XXXX XXXX XXXX Pro To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX  XXXX Washington, D.C. XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Date : Friday, XX/XX/year> -- - Rebuttal to Companys Response I am submitting this rebuttal to the response provided by XXXX XXXX XXXX XXXX XXXX XXXX ) in regard to my complaint filed on XX/XX/year>. Their response is incomplete, misleading, and fails to address multiple violations of the FDCPA and FCRA. 


-- - 1. Contradiction Between Transfer Claim and Collection Notice XXXX  claims the account was transferred to Recuvery LLC on XX/XX/year>. However, on XX/XX/XXXX, XXXXnearly five months laterI received a collection notice directly from XXXX, signed by XXXX XXXX, Recovery Collection Officer, demanding payment and threatening legal action. 

If XXXX  no longer owned or serviced the account as of XXXX, they had no legal authority to attempt collection in XXXX. This is a clear FDCPA violation under 15 U.S.C. 1692e ( false representation of authority to collect ).

-- - 2. Failure to Provide Proper Validation Despite my written demand for debt validation, XXXX has not provided any itemized accounting, proof of assignment, or evidence of their right to collect on behalf of the alleged creditor. 

Attaching a contract does not constitute validation under 15 U.S.C. 1692g.

They never explained how the alleged balance of {$550.00} was calculated.

-- - 3. Misleading and Threatening Language The XX/XX/year> notice stated that if I did not pay, legal action and additional recovery fees would follow. 

This constitutes a false and misleading threat in violation of 15 U.S.C. 1692e, because XXXX could not lawfully initiate such action if the debt was transferred in XX/XX/year>. 



-- - 4. Potential FCRA Violations If XXXX  or Recuvery LLC furnished this alleged debt to any credit reporting agencies without first validating it, that is an unlawful furnishing of inaccurate information under the FCRA, 15 U.S.C. 1681s-2.

I have disputed the debt with the credit bureaus and am requesting confirmation from CFPB that this matter is investigated fully.

-- - Requested Action by CFPB 1. Require XXXX XXXX XXXX XXXX XXXX XXXX to explain why they sent a collection notice in XX/XX/year> if they claim to have transferred the account in XX/XX/year>. 


2. Investigate both XXXX  and Recuvery LLC for violations of the FDCPA and FCRA.

3. Order immediate removal of any negative credit reporting related to this alleged debt.

4. Impose penalties for their unlawful collection practices. 




-- - Evidence Submitted XXXX of XX/XX/year> collection notice from XXXX. 

My cease & desist/ debt validation request. 

Certified mail proof of delivery. 

Companys response and attachments ( contract and authorization form ). 



-- - Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation