Debt collection -- Written notification about debt -- Complaint #4748884
Complaint Overview
Complaint ID: 4748884
Company: The Phoenix Recovery Group
Product: Debt collection
Sub-Product: Other debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: Texas
ZIP Code: 78109
Date Received: 2021-09-23T12:00:00-05:00
Date Sent to Company: 2021-09-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
After reviewing my credit profile on XX/XX/2021 I identified a discrepancy with account listed under Phoenix Recovery Group and requested a validation on XX/XX/2021 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2021 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me nor has any update been made on my credit report to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/2021 I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Frequently Asked Questions
What is Complaint #4748884 about?
Complaint #4748884 was filed against The Phoenix Recovery Group regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2021-09-23T12:00:00-05:00.
How did The Phoenix Recovery Group 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 (Debt collection) and describe your issue in detail.
Can I see other complaints against The Phoenix Recovery Group?
Yes, visit the The Phoenix Recovery Group company profile at readthecomplaint.com/company/the-phoenix-recovery-group 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.