Debt collection -- Attempts to collect debt not owed -- Complaint #15634780
Consumer Disputes Debt Validity with American Profit Recovery
Complaint Overview
Complaint ID: 15634780
Company: American Profit Recovery, INC., Marlborough, Ma Branch
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Tennessee
ZIP Code: 38320
Date Received: 2025-08-31T12:00:00-05:00
Date Sent to Company: 2025-10-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The risk is medium because the debt collector is pursuing a debt that the consumer asserts is not owed, which could lead to further collection actions or legal disputes if not resolved.
Consumer Sentiment: neutral
Topics: Debt collection, Debt validation, Improper debt collection
AI Analysis
CFPB complaint 15634780 was filed against American Profit Recovery, Inc., Marlborough, MA Branch regarding Debt collection (I do not know), specifically about "Attempts to collect debt not owed". A consumer filed a complaint against American Profit Recovery, Inc. regarding attempts to collect a debt that the consumer claims is not theirs. The complaint was received on August 31, 2025 from Tennessee. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should gather any documentation proving the debt is not theirs and formally dispute the debt in writing with the debt collector.
Legal Context & Consumer Protection Laws
Under the Fair Debt Collection Practices Act (FDCPA), debt collectors cannot attempt to collect debts that are not legally owed by the consumer.
Regulatory Insight
This case highlights the importance of debt validation; collectors must be able to prove the debt is valid and owed by the consumer they are contacting.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The complaint originated in Tennessee, and the resolution status is 'Closed with explanation', indicating some form of communication or action was taken by the CFPB or the company.
Industry Comparison
Debt collection agencies frequently face disputes over debt ownership and validity, making this a common issue within the industry.
Related Issues
Frequently Asked Questions
What is CFPB complaint 15634780 about?
CFPB complaint 15634780 involves Debt collection (I do not know). The consumer reported an issue with "Attempts to collect debt not owed", specifically "Debt is not yours". This complaint was filed against American Profit Recovery, Inc., Marlborough, MA Branch on August 31, 2025.
Which company is complaint 15634780 filed against?
Complaint 15634780 was filed against American Profit Recovery, Inc., Marlborough, MA Branch. You can view all complaints against this company on their profile page at /company/american-profit-recovery-inc-marlborough-ma-branch.
What was the company's response to complaint 15634780?
American Profit Recovery, Inc., Marlborough, MA Branch responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 15634780 filed?
Complaint 15634780 was received by the CFPB on August 31, 2025. It was sent to American Profit Recovery, Inc., Marlborough, MA Branch on October 8, 2025.
What state was complaint 15634780 filed from?
Complaint 15634780 was filed from Tennessee. You can view all complaints from this state at /state/TN.
Was the consumer satisfied with the resolution of complaint 15634780?
Dispute information is not available for complaint 15634780.
What product category is complaint 15634780 about?
Complaint 15634780 is categorized under "Debt collection", specifically "I do not know". This is one of the product categories tracked by the CFPB.
How was complaint 15634780 submitted?
Complaint 15634780 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 15634780?
Under the Fair Debt Collection Practices Act (FDCPA), debt collectors cannot attempt to collect debts that are not legally owed by the consumer. This relates to a Debt collection complaint against American Profit Recovery, Inc., Marlborough, MA Branch involving "Attempts to collect debt not owed".
How likely is complaint 15634780 to be resolved?
Resolution likelihood: mixed. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 15634780?
This complaint is rated as medium risk. The risk is medium because the debt collector is pursuing a debt that the consumer asserts is not owed, which could lead to further collection actions or legal disputes if not resolved.
What regulatory actions apply to complaint 15634780?
This case highlights the importance of debt validation; collectors must be able to prove the debt is valid and owed by the consumer they are contacting. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 15634780?
Consumers should gather any documentation proving the debt is not theirs and formally dispute the debt in writing with the debt collector.
Are there state-specific protections for complaint 15634780?
The complaint originated in Tennessee, and the resolution status is 'Closed with explanation', indicating some form of communication or action was taken by the CFPB or the company. This complaint was filed from Tennessee.
How does complaint 15634780 compare to industry norms?
Debt collection agencies frequently face disputes over debt ownership and validity, making this a common issue within the industry.
What steps should a consumer take if they receive collection attempts for a debt they do not owe?
The consumer should immediately send a written dispute to the debt collector, requesting validation of the debt and providing any evidence that the debt is not theirs. They should also keep records of all communication.
What are the rights of a consumer when a debt collector attempts to collect a debt that is not theirs?
Consumers have the right to dispute the debt and request validation. Debt collectors are prohibited from continuing collection efforts until they provide verification of the debt and that the consumer is responsible for it.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.