Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
This complaint is being submitted as a follow-up and continuation of my prior CFPB complaint ( # XXXX ) against Phoenix Recovery Group XXXX and it is not a duplicate. The issues outlined below demonstrate ongoing, serious violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), and this matter has now been reported to both the Federal Trade Commission ( FTC ) and the Texas Attorney General. 

Phoenix Recovery Group has continued to report and attempt to collect on a disputed rental debt related to XXXX XXXX despite numerous legal deficiencies and a clear failure to validate the debt. I previously issued a cease and desist notice, yet communication continued in violation of FDCPA protections. I was never given a final invoice at move-out and was not made aware of any balance due until this account appeared in collections. 

The charges provided by XXXX XXXX are inflated, unverifiable, and unethical. They failed to produce : - A signed move-out inspection - An itemized breakdown of charges - Any legitimate proof of damage beyond normal wear and tear - Valid receipts from licensed third-party vendors The {$2400.00} paint charge is fraudulent, especially considering my original move-in form ( Exhibit A ) documented pre-existing paint damage, trash in the unit, and broken fixtures. These records were submitted to XXXX XXXX on XX/XX/XXXX. 

Additional violations include : - Misreporting the lease term as 1 month ( it was 12 ) - Failing to flag the account as disputed with XXXX  and XXXX  - Verifying the debt to credit bureaus without proper documentation - Delayed submission of vague, undated photos only after extensive follow-up - Refusing to produce itemized documents when requested in XXXX Furthermore, their communications referenced XXXX XXXX unrelated debtshowing clear internal confusion. I remained in contact with the office by email and repeatedly requested final documentation, which they failed to deliver, violating Texas Property Code 92.104107.

Phoenix Recovery Group initially contacted me by email attempting to collect over {$6000.00} without ever identifying themselves as a debt collector or explaining the origin of the debt. I was given no opportunity to dispute the charges prior to collection activity, and no information was provided until I filed my CFPB complaint. The vague and aggressive tone of their email is included in Exhibit B and demonstrates their disregard for legal procedures required under the FDCPA. 

After I began filing CFPB complaints, Phoenix Recovery Group began delaying their responses and attempting to minimize their violations by claiming my complaints were duplicates. These complaints are not duplicatesthey reflect a continued pattern of abuse, misrepresentation, and failure to comply with federal consumer protection laws.

Phoenix Recovery Groups actions constitute deceptive collection practices, unlawful reporting, and intentional misrepresentation. Their continued furnishing of inaccurate data to credit bureaus and refusal to comply with validation laws directly harms my credit and financial opportunities.

I am requesting supervisory review and immediate CFPB enforcement action against Phoenix Recovery Group, and I request Experian and TransUnion be directed to delete this tradeline.

Company response to consumer: Closed with explanation