Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #18321886
Complaint Overview
Complaint ID: 18321886
Company: Quality Asset Recovery LLC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Florida
ZIP Code: 328XX
Date Received: 2025-12-27T12:00:00-05:00
Date Sent to Company: 2025-12-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am formally disputing the alleged debt referenced above. I do not acknowledge any liability for this account and demand that you provide full legal validation and verification as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. Specifically, I demand the following documentation : 1. A copy of the original signed contract or agreement showing my legal obligation to pay this debt. 2. Complete payment history, including principal, interest, fees, and any adjustments. 3. Proof that you are legally authorized to collect this debt in my state, including chain of ownership if the debt was sold or assigned. 4. Name, address, and account number of the original creditor. 5. Proof that the alleged debt is within the statute of limitations in my state. Until proper validation is provided, you are legally required to : - Cease all collection activity, including phone calls, letters, and electronic communication. - Cease reporting this account to all credit reporting agencies. Reporting or attempting to collect this debt without proper validation constitutes a violation of : - FDCPA 1692e & 1692f ( false, deceptive, or unfair practices ) - FCRA 1681s-2 ( a ) & ( b ) ( furnishing unverified or inaccurate information ) Demand for Immediate Deletion : If you can not or will not provide the requested verification, you are directed to immediately delete any reporting of this account from all consumer reporting agencies and provide written confirmation of deletion. Failure to comply will leave me no choice but to pursue all available legal remedies, including : - Filing additional complaints with the CFPB and State Attorney General - Seeking civil remedies for actual and statutory damages under federal law - Reporting willful noncompliance to applicable regulatory authorities This letter is not an acknowledgment of debt, but a lawful demand for validation and correction of inaccurate reporting. Any further reporting or collection without proper validation will be documented as willful non-compliance. All future communication must be in writing only and sent to my personal address.
Frequently Asked Questions
What is Complaint #18321886 about?
Complaint #18321886 was filed against Quality Asset Recovery LLC regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-12-27T12:00:00-05:00.
How did Quality Asset Recovery LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Quality Asset Recovery LLC?
Yes, visit the Quality Asset Recovery LLC company profile at readthecomplaint.com/company/quality-asset-recovery-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.