Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Recovery Systems LLC
State: TX

Complaint narrative:
I am filing this complaint against Credit Recovery System regarding a collection account reported as XXXX XXXX with a balance of {$2600.00}. On XX/XX/2026, I mailed Credit Recovery System a written debt validation request by certified mail. In that letter, I disputed the alleged debt and requested full written validation of the account. I requested documentation showing that the debt is valid, accurate, legally collectible, and that Credit Recovery System has authority to collect and report the account. My request specifically asked for the original creditor information, original account number, itemized balance, date opened, Date of First Delinquency, complete payment history, signed agreement, authority to collect, chain of title or assignment, current owner information, and proof of authorization to collect and report the account. Credit Recovery System received my written dispute and validation request on XX/XX/2026, according to XXXX tracking. Credit Recovery System has not mailed validation or provided the requested documentation. Instead, on XX/XX/2026, after receiving my written dispute and before mailing validation, the company called and left a voicemail stating : Recovery Systems. This is a very important message for XXXX XXXX. We have a very important business matter in our office. Its imperative that we do speak with you today. You may press the number one now to be transferred to a live agent. This phone contact occurred after Credit Recovery System received my written dispute and before it provided written verification of the debt. Under 15 U.S.C. 1692g ( b ), once a consumer disputes a debt in writing within the validation period, a debt collector must cease collection of the debt until it obtains verification and mails that verification to the consumer. The statute says collection must cease until verification is obtained and mailed. Credit Recovery System received my written dispute on XX/XX/2026. It had not mailed verification. Yet it placed a phone call on XX/XX/2026 asking that I speak with the office about an important business matter. I believe that call was continued collection activity before validation was mailed. This also raises concerns under 15 U.S.C. 1692e, which prohibits false, deceptive, or misleading representations in connection with collection of a debt. Continuing to pursue contact on an unvalidated account while failing to provide the requested validation is misleading and improper. My written request also asked that all correspondence be sent in writing. Credit Recovery System ignored that request and contacted me by phone instead. I am requesting that Credit Recovery System provide complete written validation of the alleged debt or delete the account from all consumer reporting agencies and cease collection activity. I am also requesting that the company stop telephone contact and communicate only in writing.

Company response to consumer: Closed with explanation