Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
* * Consumer Financial Protection Bureau XXXXomplaint * * * * Company : * * Sentry Recovery & Collections , Inc. * * Account Information * * * Balance Reported : {$470.00} * Highest Balance Reported : {$260.00} * Date Opened : XX/XX/year> * Account Status : Open Collection Account * Original Creditor : XXXX XXXX ( formerly XXXX XXXX XXXXXXXX XXXX ) * Type : Unpaid Collection Account * * Complaint * * I am filing this complaint against Sentry Recovery & Collections , Inc. regarding a collection account being reported on my consumer credit reports that I dispute. Sentry Recovery & Collections is reporting a collection account with a balance of {$470.00} allegedly originating from XXXX XXXX ( formerly XXXX XXXX XXXX XXXX ). I dispute the validity, accuracy, ownership, and amount of this alleged debt. A significant concern is that the account is reporting a current balance of {$470.00} while simultaneously reporting a highest balance of only {$260.00}. This discrepancy raises serious concerns regarding the accuracy and integrity of the information being furnished to consumer reporting agencies. If the current balance exceeds the highest balance ever owed, Sentry Recovery should be required to provide documentation explaining how the balance increased and whether additional charges, fees, penalties, or interest were added. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to provide accurate and complete information to consumer reporting agencies. Furnishers may not furnish information they know or have reasonable cause to believe is inaccurate. Additionally, under 15 U.S.C. 1681s-2 ( b ), upon receiving notice of a dispute, furnishers must conduct a reasonable investigation, review all relevant information, and correct or delete any information that can not be verified. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, 1692f, and 1692g, debt collectors may not use false, deceptive, misleading, unfair, or unconscionable means to collect debts. Debt collectors must possess sufficient documentation to establish the validity of the debt, the amount owed, and their authority to collect it. I request that Sentry Recovery provide : XXXX. A copy of the signed lease agreement or rental contract. XXXX. Documentation proving I am legally responsible for the alleged debt. XXXX. A complete itemized accounting of the balance being reported. XXXX. Documentation explaining how the balance increased from the reported highest balance of {$260.00} to the current balance of {$470.00}. XXXX. Documentation supporting any rent charges, lease termination fees, damage charges, cleaning fees, utility charges, collection fees, penalties, interest, or other additions to the balance. XXXX. Documentation showing all payments, credits, security deposit credits, adjustments, and offsets applied to the account. XXXX. Move-out statements, inspection reports, invoices, repair receipts, photographs, and supporting records used to calculate the balance. XXXX. Documentation establishing Sentry Recovery 's authority to collect on behalf of or through assignment from the original creditor. XXXX. Documentation establishing the date of first delinquency. XXXX. Copies of any records used to verify the account during prior disputes or investigations. XXXX. Verification that all information furnished to consumer reporting agencies complies with the Fair Credit Reporting Act and XXXX XXXX reporting standards. The Consumer Financial Protection Bureau has emphasized that debt collectors and furnishers must maintain adequate records supporting the accuracy and integrity of information furnished to consumer reporting agencies. If Sentry Recovery can not provide competent evidence supporting the balance, ownership, and validity of this alleged debt, continued reporting may constitute the furnishing of inaccurate, incomplete, misleading, or unverifiable information. * * Requested Resolution * * I request that Sentry Recovery conduct a thorough investigation and provide complete documentation supporting the validity, ownership, and accuracy of the alleged debt. If the account can not be fully validated and verified, I request immediate deletion of the account from all consumer reporting agencies. I further request correction of any inaccurate, incomplete, misleading, or unverifiable information currently being reported and written confirmation of the results of the investigation.

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