Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
This letter serves as a formal escalation regarding the continued reporting and collection of the above-referenced account despite unresolved disputes and insufficient validation. I previously disputed this account through the Consumer Financial Protection Bureau ( CFPB Complaint ID : XXXX ) after Ability Recovery Services failed to provide competent evidence proving this alleged debt belongs to me and was reported accurately. In response to the CFPB complaint, the company issued a generic closed with explanation response containing broad compliance statements but failed to provide the level of verification required under federal law. The companys response is materially deficient for several reasons : Ability Recovery Services merely alleges that a Regulation F notice was mailed on XX/XX/year>, yet provides no proof of mailing, delivery, or receipt. The company attached only an itemized bill, which does not constitute complete debt validation under the FDCPA or reasonable investigation standards under the FCRA. The company admits they can provide detailed verification in the future, which is an implicit acknowledgment that sufficient validation was not actually provided during the CFPB investigation. No signed agreement, treatment authorization, assignment documentation, chain of custody, or authenticated records proving legal ownership or collection authority were produced. No evidence was provided proving that the information furnished to XXXX, XXXX, or XXXX was independently verified for maximum possible accuracy as required under the Fair Credit Reporting Act. The company has continued furnishing damaging credit information while this account remains actively disputed. Under 15 U.S.C. 1681s-2 ( b ), furnishers are required to conduct a reasonable investigation upon notice of dispute. A superficial review supported only by generalized statements and billing summaries does not satisfy federal compliance obligations. Additionally, under the FDCPA and Regulation F, debt collectors must provide meaningful validation sufficient to demonstrate the nature, ownership, and accuracy of the alleged obligation. That standard has not been met here. At this stage, I am demanding the following : Immediate deletion of this account from all consumer reporting agencies ; Immediate cessation of collection activity until full competent validation is produced ; Copies of all documentation used to verify this account with the credit bureaus ; Proof of legal authority to collect this debt ; Documentation proving the balance calculation and accounting history ; Proof that all reporting was conducted in compliance with the FCRA, FDCPA, and Regulation F. Failure to comply will leave me no choice but to pursue additional remedies, including escalated complaints with federal and state regulators, additional documentation disputes with the credit bureaus, and potential claims for continued reporting of unverified and disputed information. This letter also serves as notice that I dispute the completeness, accuracy, and legal enforceability of this alleged account in its entirety.

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