Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Recuvery LLC
State: MD

Complaint narrative:
I have reviewed Recuvery LLC 's response and remain dissatisfied. Although Recuvery LLC provided documents that it claims support the account, its response does not establish that the information being reported to consumer reporting agencies is accurate, complete, or fully verifiable as required by the Fair Credit Reporting Act. Recuvery LLC relies primarily on documents generated or maintained within its own records and concludes that the account belongs to me. However, the company has failed to demonstrate that it conducted a reasonable investigation sufficient to verify the accuracy of the information being furnished. The response does not adequately establish the accuracy of the balance being reported, the completeness of the account history, or the reliability of the information being furnished to consumer reporting agencies. Simply producing documents and repeating prior conclusions is not the same as verifying disputed information. As a furnisher of information, Recuvery LLC has a duty to conduct a reasonable investigation and ensure the information it reports is accurate and capable of verification. Based on the response provided, I do not believe that burden has been met. I have reviewed Recuvery LLC 's response and remain dissatisfied. Although Recuvery LLC provided documents that it claims support the account, its response does not establish that the information being reported to consumer reporting agencies is accurate, complete, or fully verifiable as required by the Fair Credit Reporting Act. Recuvery LLC relies primarily on documents generated or maintained within its own records and concludes that the account belongs to me. However, the company has failed to demonstrate that it conducted a reasonable investigation sufficient to verify the accuracy of the information being furnished. The response does not adequately establish the accuracy of the balance being reported, the completeness of the account history, or the reliability of the information being furnished to consumer reporting agencies. Simply producing documents and repeating prior conclusions is not the same as verifying disputed information. As a furnisher of information, Recuvery LLC has a duty to conduct a reasonable investigation and ensure the information it reports is accurate and capable of verification. Based on the response provided, I do not believe that burden has been met. Because Recuvery LLC has failed to adequately verify the disputed information and has failed to demonstrate the accuracy and completeness of the reporting, I am requesting deletion of the account from all consumer reporting agencies. I respectfully request that the CFPB require Recuvery LLC to cease reporting this account unless and until it can fully substantiate every aspect of the information being furnished. If the information can not be independently verified, the account should be deleted. I continue to dispute this account and request deletion of the tradeline from my consumer reports.

Company response to consumer: Closed with explanation