TLRA Debt Recovery Facing Lawsuit Over Alleged Failure to Identify Woman’s Creditor

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TLRA Debt Recovery has been named as the defendant in a Texas woman’s proposed class action alleging violations of federal debt collection law. According to the suit, the defendant sent the plaintiff a collection letter around July 19, 2017, in which it listed the “client” as “CHRISTUS TRINITY MOTHER FRANCES C” but neglected to identify any entity as the woman’s creditor. The case argues that the “client” mentioned is not listed as a registered entity with the Texas Secretary of State.

Adding to the confusion, the plaintiff then received another collection letter from the defendant also dated July 19, 2017, that the lawsuit claims listed the “client” as “CHRISTUS TRINITY MOTHER FRANCES T.” The suit alleges that, once again, the defendant failed to identify any entity as the plaintiff’s creditor and further misled the woman by including a slightly different client name.

“[T]he second letter seems to indicate that there could potentially be two current creditors, one ending in ‘C’ and one ending in ‘T,’” the complaint argues, adding that the plaintiff was “left in the dark” as to which entity she owed the alleged debt.

The case argues that the defendant failed to fulfill its obligation to clearly identify the plaintiff’s creditor and instead misled the woman with deceptive collection practices that left her unable to determine how to respond.