Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: IN

Complaint narrative:
Re : Complaint Against Ability Recovery Services Unverified Medical Collection Reporting Account Number : XXXX Reported Balance : {$1600.00} Date Reported : XX/XX/2025 Original Creditor : Medical Provider To Whom It May Concern : I am filing this complaint regarding Ability Recovery Services, who is reporting an alleged medical collection account on my credit report without providing proper validation, in violation of federal law, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I disputed this account directly with the furnisher, yet they have failed to provide any proof that this debt is valid or legally collectible.

1. Failure to Provide Required Validation ( FDCPA 809 ( b ) ) I requested full validation, including : Itemized billing Insurance payment breakdown Proof of assignment or transfer of debt Original signed agreement HIPAA-compliant documentation They failed to provide any of these documents, yet continue reporting to all major credit bureaus.

2. Reporting Unverified / Inaccurate Information ( FCRA 607 ( b ) ) Ability Recovery Services continues furnishing data that has not been verified or proven accurate. There is no evidence supporting the amount or even confirming that I owe this debt.

3. Failure to Mark the Account as Disputed ( FCRA 623 ( a ) ( 3 ) ) Even after my dispute, the agency did not mark the account as disputed with Experian, Equifax, and TransUnion, which is a violation of federal law.

4. Continuing to Report While Debt Is Unvalidated ( FDCPA 809 ( b ) ) Under federal law, once the debt is disputed, all collection activity must cease until verification is provided.

Credit reporting qualifies as a collection activity.

Yet the account remains reported, despite no validation being provided.

5. Potential HIPAA Violations Ability Recovery Services has not shown that they have legal authorization to access or share my protected medical billing information.

I respectfully request that the CFPB : 1. Require Ability Recovery Services to provide full and legally compliant debt validation documentation, including : Itemized bill Insurance details Proof of ownership/assignment Signed agreement HIPAA authorization 2. If they can not validate the debt, require complete deletion of the account from : Experian Equifax TransUnion 3. Require them to correct all violations and mark the account as disputed.

4. Require them to cease all reporting and collection activities until validation is provided.

I have made good-faith efforts to resolve this matter directly.

I received no validation, yet the account continues to damage my credit.

I request the CFPBs assistance in enforcing my rights under the law.

Thank you for your help. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX 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