Consumer complaint received 2021-03-08
Company: Ability Recovery Services, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To whom it may concern, Please see letter below sent to Ability Recovery Services dated XX/XX/XXXX. The specific details in this letter will/can best explain my ONGOING case : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Fl. XXXX Ability Recovery Services LLC XXXX XXXX XXXX XXXX, PAXXXX XXXX Re : Acct # XXXX or acct # XXXX XXXX ( both are listed ) To Whom It May Concern : This letter is in conjunction and direct follow up to the preceding letter dated XX/XX/XXXX. 

It is responding to Account 's # XXXX or acct # XXXX XXXX ( both are listed ), which you claim 12 charges TOTAL = 6 " duplicate/repeated '' charges of {$130.00} ( 6 X the same charges ), 1X {$96.00}, 1X {$100.00}, 2 X {$27.00} and 1 X {$28.00}. 

I am further disputing this claim as your company has clearly altered as " re-aged '' or what is called " illegally re-aged '' these accounts from the original date of debt as the above stated accounts reflect a new, different or altered date or assigned date of debt to the credit reporting agencies ; specifically XXXX. 

The copies of the original 10 debt charges that you sent on XX/XX/XXXX reflect dates ranging from XX/XX/XXXX through XX/XX/XXXX and your reporting an date of reported debt to the collection agencies ALL reflect a RE-AGED date of XX/XX/XXXX. XXXX. ** This is a serious " illegal '' offense as considered by the Federal Trade Commission and SEVERE violation of FCRA guidelines Section 606 C which specifies " that any entity that reports information to credit bureaus about a delinquent consumer account that has been placed for collection or written off must report the actual month and year the account first became delinquent ''. 

Be aware that I am making a LAST and FINAL goodwill attempt to have you clear up this matter. These 12 listed items are dated incorrectly representing a very serious illegal reporting error and must be removed immediately. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. 

I am also in the final stage of process filing a civil claim against you in XXXX XXXX XXXX County Circuit Court, FL. I further remind you that you may be liable for your willful non-compliance as well. 

I have also filed a direct complaint with the Consumer financial Protection Bureau with a full detailed account of this case in its entirety including violations. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter AND removal of ALL 12 items from ALL credit reporting agencies including XXXX  will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation Financial Injury US Court of Appeals, Ninth Circuit, No. 00- 15946, Nelson vs.

Chase Manhattan 2. ) Negligence 3. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 606-b ) When the case is filed you, will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Fl. XXXX XXXX : XXXX ** ( For the record, there are now 12 reported debt charges reported specifically to XXXX and only 10 copied charges were furnished at the time of your XX/XX/XXXX letter )? 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX I think as you can understand and clearly see, Ability Revover services has re-aged this account by almost 2 years. 

I am attaching a 1. copy of the itemized billing statement of debt from the collection agency showing original date of service. ( which was XX/XX/XXXX ). 2.Pictures of the dated reporting on my XXXX  Report XXXX a different original debt reporting date of XX/XX/XXXX. 

Please let me know what additional steps can be taken here to rectify this situation and clear this mistake from my credit history. 

Thank you and best regards, XXXX XXXX 4 ATTACHMENTS ENCLOSED

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