Debt collection -- False statements or representation -- Complaint #11557270

Complaint Overview

Complaint ID: 11557270

Company: Ability Recovery Services, LLC

Product: Debt collection

Sub-Product: I do not know

Issue: False statements or representation

Sub-Issue: Attempted to collect wrong amount

State: Mississippi

ZIP Code: 39702

Date Received: 2025-01-15T12:00:00-05:00

Date Sent to Company: 2025-01-15T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

XXXX XXXX Account # : XXXX XXXX XXXX XXXX I am writing in response to several debts listed on my credit report because I do not believe that l owe what you say I owe. Conducting sham investigations that fail to properly address consumer disputes is against FCRA laws when handling disputes. XXXX uses faulty intake procedures and does not accurately convey all relevant information about disputes to the original furnisher. XXXX routinely and uncritically accepts the original furnishers response to the disputed information, even when that response was improbable or illogical on its face, or when XXXX has other information available that suggests the furnisher is unreliable. At the conclusion of the investigation, XXXX sends consumers notices that fail to inform them of the investigation results, and instead provides information that is confusing, ambiguous, incorrect, or internally inconsistent. I respectfully request in writing the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Identify the original creditor ; Provide a verification or copy of any judgment ( if applicable ) : Show me that you are licensed in my state, and provide me with your license numbers ( if applicable ). Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : You can not add interest or fees except those allowed by the original contract and state law. You do not have to respond to this dispute except to tell me that you either intend to cease your collection efforts or to pursue other legal means of collecting this debt. Should you pursue a judgment without validating this debt, I will inform the judge and your case will be dismissed based on your failure to follow the FDCPA. Any attempt to collect this debt without validating it, violates the FDCPA. Be advised that I intend to record all phone calls, keep all correspondence and will not hesitate to report violations to my State Attorney General, the Federal Trade Commission and the Better Business Bureau. I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them this debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2. If you do NOT own the rights to collect this debt, I demand that you immediately send a copy of this dispute letter to the original creditor that you say I owe money too so they are also aware of my dispute with this debt. Finally, in accordance with section 805 ( c ) - Ceasing Collections, of the Fair Debt Collection Act, do not contact me about this or any other matter, except by official mail and then only to advise me that your debt collection efforts are being terminated or that you are taking specific actions allowed by law XXXX XXXX

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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