Consumer complaint received 2022-10-13
Company: Ability Recovery Services, LLC
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA, XXXX XXXX ending XXXX, XXXX XXXX phone # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX, XXXX phone # XXXX Account numbers : XXXX {$6500.00} showing paid but I have not ... been in forbearance. Loans opened XXXX. 
XXXX {$25000.00} and {$40000.00}, {$54.00}, XXXX shows 120 days past due and shows I am paying XXXX monthly. Loans opened XXXX. 
-Spoke with 4 people at this company. XXXX, XXXX, XXXX, XXXX on XXXX XXXX. I explained to them that I was evicted from my apartment in XXXX of XXXX because of a clause in my lease about pest infestation so the landlord cancelled the lease. I am currently living in my car looking for work. I have been denied on apartment applications because of my credit. I would like them to correct this with the credit agencies XXXX, XXXX and XXXX. They all said that their company has a " XXXX XXXX XXXX XXXX, '' and they will not do it. I applied over the phone with XXXX for another forbearance but he said that I may not get it to basically be prepared. However, if you are enrolled in school, military, or active duty service it can be corrected for those people. I feel like I am being discriminated against. What makes those profession better than my profession of teaching? There is nothing in my original loan paperwork than mentions a " XXXX XXXX XXXX XXXX. '' I think that people have life circumstances in which rules can be bent especially after a pandemic. 

Ability Recovery Services XXXXXXXX XXXX XXXX XXXX  PA, XXXX phone # XXXX Account number : XXXX opened XXXX. I spoke to XXXX and XXXX on XXXX. I explained to them about my homelessness situation as mentioned above. They said there was nothing they could do about it. I explained to them that this is a bill from XXXX now showing on my credit. When I went to XXXX that day in ER the lady there said that she would re-apply for my XXXX on the system not to worry. Now this is on my report. I would like them to take this off. I have been on XXXX since my divorce as a single mom since XXXX. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, LA, XXXX phone # XXXX Account number : XXXX opened XXXX. I spoke to XXXX XXXX on XXXX. She said she put in the dispute with the company for me. I explained to her about my homeless situation. This company was someone I rented from before moving to Alabama. ( XXXX XXXXXXXX XXXX in XXXX XXXX, Louisiana ) and I had one month left to my lease and I left early. The reason is that my unit had the entire wall gutted and replaced because XXXX was leaking through the pipes form the apartment above me. They had to renovate everyone 's units there at the time when XXXX XXXX managed the office there. My child was XXXX and so was I from this. There was no instillation when they gutted and I saw rats. It was the worst place I have ever lived for a Section 8. I want this off my credit.. 

XXXX and XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX, SC, XXXX phone # XXXX Account number : XXXX opened XXXX. I spoke with XXXX on XXXX. I explained to her my homeless situation and not receiving my mail. She said she can not remove it from my credit. I would like the negative information taken off my credit file and to make payments on this bill that I can afford. 

In summary, I feel that I am being discriminated against concerning my student loans. Also, I feel that these companies should understand my homeless situation and how the credit file affects whether you can find housing for your family. I plan to repay them on terms I can afford but right now I am in survival mode. Companies need to be understanding of this and not so cold hearted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation