Consumer complaint received 2026-01-02 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:
I am submitting this complaint regarding Ability Recovery due to inaccurate credit reporting, improper collection practices, and failure to provide adequate validation for a collection account that I did not open, authorize, or knowingly benefit from. This account is being reported as a derogatory collection with a substantial past-due balance and has caused ongoing and significant harm to my credit profile and financial standing.

Discovery of the Ability Recovery Account I first became aware of the Ability Recovery account after reviewing my consumer credit reports from the major credit reporting agencies. At the time I discovered the account, it was already reporting as a collection with a large past-due balance and a derogatory status. I was not previously notified of the accounts existence, did not receive an initial billing statement, and did not receive clear written notice explaining the origin, date, or nature of the alleged debt before it appeared on my credit reports. 

I do not recognize this Ability Recovery account as one that belongs to me. I did not apply for, authorize, or agree to any debt that would give Ability Recovery the right to collect or report an account in my name. 

Lack of Authorization and Contractual Relationship I have never had a contractual relationship with Ability Recovery regarding the alleged debt being reported. I did not sign any agreement, did not authorize the opening of the underlying account, and did not consent to Ability Recovery collecting or reporting this debt. 

I did not receive any goods, services, or funds associated with the alleged obligation. The presence of this account on my credit reports strongly suggests that my personal information was used without my knowledge or authorization, raising serious concerns of identity theft or unauthorized account activity. 

Derogatory Collection Reporting The Ability Recovery account is reported as a collection with a significant past-due balance and derogatory status. This negative reporting has caused severe damage to my credit profile, including the addition of a collection account, damage to my payment history, and a reduction in my overall creditworthiness. 

I am not responsible for this debt, and I did not cause the alleged delinquency. The continued reporting of this account misrepresents my financial history and creates an inaccurate and misleading picture of my credit behavior.

Bureau-Specific and Inconsistent Reporting A major concern is that the Ability Recovery account appears on some credit bureaus but not others, or is reported with inconsistent balances, dates, or statuses across bureaus. Such inconsistent reporting indicates unreliable data sourcing and raises serious questions about the accuracy and verification of the information being furnished. 

If the account were legitimate and supported by proper documentation, the reporting would be consistent, accurate, and complete across all credit reporting agencies. Instead, the reporting appears fragmented and unsupported. 

Attempts to Dispute the Ability Recovery Account After discovering the Ability Recovery collection account, I promptly disputed it through appropriate channels. I notified the credit reporting agencies that I did not recognize or authorize this account and requested a reinvestigation. I also sought validation from Ability Recovery, requesting documentation proving that I was legally responsible for the alleged debt. 

Despite these disputes, the Ability Recovery account has continued to be reported as a collection. I have not been provided with copies of original contracts, signed agreements, itemized billing statements, or documentation demonstrating lawful assignment or ownership of the debt. 
Failure to Provide Meaningful Debt Validation Ability Recovery has failed to provide meaningful validation of the alleged debt. Generic responses indicating that the account was verified or that information was confirmed electronically do not satisfy the requirement to substantiate a disputed debt. 

Proper validation should include documentation demonstrating that I incurred the debt and that Ability Recovery has the legal right to collect and report it. To date, Ability Recovery has not provided : An original signed agreement or contract Proof that I authorized or consented to the debt Itemized billing statements explaining how the balance was calculated Documentation showing lawful transfer, assignment, or ownership of the debt Without this information, Ability Recovery has no lawful basis to continue reporting or collecting this account. 

Identity Theft and Unauthorized Use Concerns Because I did not authorize or recognize this account and because proper validation has not been provided, I believe the Ability Recovery account XXXX be the result of identity theft or unauthorized use of my personal information. I did not knowingly participate in the transactions associated with this debt and did not benefit from them in any way. 

The continued reporting and collection activity despite clear disputes and lack of validation has compounded the harm caused by the initial unauthorized activity. 

Harm Caused by Ability Recoverys Actions The impact of Ability Recoverys reporting and collection practices has been substantial. The presence of a large collection account has lowered my credit scores, increased perceived credit risk, and limited my ability to obtain credit, housing, and financial opportunities on fair terms. It has also caused stress, anxiety, and the burden of repeatedly disputing an account that does not belong to me. 

I have spent significant time and effort attempting to correct this issue, yet the account remains on my credit reports, prolonging the damage and uncertainty.

Failure to Conduct a Reasonable Investigation Ability Recoverys handling of my dispute suggests a failure to conduct a reasonable and good-faith investigation. Simply confirming information through automated systems or internal databases does not constitute a meaningful investigation, especially when the debt is disputed as unauthorized.

A reasonable investigation should involve reviewing original source documentation and verifying that the consumer is legally responsible for the debt. Ability Recovery has not demonstrated that such an investigation occurred.

Legal and Compliance Concerns Ability Recoverys actions raise serious concerns regarding compliance with the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. These laws require debt collectors and furnishers to report accurate information, properly investigate disputes, and cease collection and reporting of debts that can not be verified. 

Continuing to report a disputed collection account without proper validation and documentation undermines the integrity of the credit reporting system and causes ongoing consumer harm. 

Request for CFPB Review and Intervention I am submitting this complaint to request that the Consumer Financial Protection Bureau review Ability Recoverys conduct and require corrective action. I am seeking accountability, transparency, and compliance with consumer protection laws.

Desired Outcome I am requesting that Ability Recovery : Conduct a thorough and meaningful investigation using original documentation.

Provide proof that I authorized and incurred the alleged debt, if such proof exists. 

Immediately delete the Ability Recovery collection account from all credit reports if it can not be fully verified. 

Cease all collection and reporting activity related to this account. 

Ensure that the account is not reinserted or re-reported without proper documentation and notice. 

Conclusion I did not open, authorize, or benefit from the account being collected and reported by Ability Recovery. The continued reporting of this collection account is inaccurate, harmful, and unsupported by evidence. I am seeking a fair and lawful resolution that removes this account and prevents further damage to my credit profile. 

I certify that the information provided in this complaint is true and accurate to the best of my knowledge.

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