Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5695568
Complaint Overview
Complaint ID: 5695568
Company: Ability Recovery Services, LLC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Was not notified of investigation status or results
State: Pennsylvania
ZIP Code: 19143
Date Received: 2022-06-21T12:00:00-05:00
Date Sent to Company: 2022-06-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern, You are breaking the law! On XX/XX/2022 I disputed the following account on my consumer report with all three consumer reporting agencies, XXXX, XXXX, and XXXX. ABILITY RECOVERY SERVICE Account number XXXX On XX/XX/2022 I received a letter from XXXX with the results of the investigation which came back that this account was inaccurate and it was deleted from my consumer report. Pursuant to 15usc 1681i ( A ) 5 ( D ) any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such reporting agencies. By law each reporting agency is required to uphold the same accuracy. On XX/XX/2022 I received an email from XXXX stating that a new collection account was added to my XXXX report. This was the same account that was already deleted by XXXX and XXXX ABILITY RECOVERY SERVICE Account number- XXXX Also, Pursuant to 15usc 1681b ( a ) ( 2 ) a consumer reporting agency may furnish a consumer report in accordance with written instructions to whom it relates. I never gave any written consent for this account to be furnished on my consumer report. Therefore, you had no permissible purpose to have this on my report which is also a violation of my rights. I demand this inaccurate account be deleted from my consumer report at once! XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #5695568 about?
Complaint #5695568 was filed against Ability Recovery Services, LLC regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2022-06-21T12:00:00-05:00.
How did Ability Recovery Services, 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, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Ability Recovery Services, LLC?
Yes, visit the Ability Recovery Services, LLC company profile at readthecomplaint.com/company/ability-recovery-services-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.