Consumer complaint received 2019-06-25
Company: Resurgent Capital Services L.P.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX 2 Credit Cards in Debt Consolidation 1 XXXX account that charged me for equipment I returned 1 XXXX XXXX that withheld information on the contract It became a law that medical would no longer effect your credit score and it shouldn't, since these are not debts we chose to create! Most people can't pay the high prices of going to the hospital these days and all the businesses are getting highest deductible possible so they can afford to offer employees insurance. Most never meet that deductible, therefore never use the insurance we paid for all year. I see they have came up with a way to get around this law and that is messed up. Turn it over to collection agency and then put it on people 's credit report with additional cost. If it clearly states on the collection it's " Medical '' then it should not be allowed on our credit reports. I know I'm  speaking for a lot of people here that thing this is very wrong. I've been working really hard to rebuild my credit and was doing good until I moved out of state for a better paying job only to get laid off 4 days later along with most of the other employees. I struggled to pay my bills still and got down to eating one meal a day, because I didn't want to ruin the credit I had built back up. XXXX XXXX and XXXX XXXX need to be sued for false advertisement and I may proceed with that if I can find someone to file a Civil lawsuit. I've been watching my score on these two every month and planned to buy a house again finally at age XXXX and stop renting and according to them, my credit was good enough to qualify. Then only few weeks later I go and do the application to get things going after getting a great job back in my home state near my family again and it comes back under 600 and now I can't get a house! This is so not fair, when things happen beyond our control. I have paid all my bills on time for past 3 years, none of my credit is maxed out, but because of the Collections on my reports, it dropped my score down on all 3 Credit Bureaus, but not on XXXX XXXX or XXXX   XXXX. I also have 2 credit cards that should have been up top as being paid because they are in the Debt Consolidation that I did in XX/XX/2016 after I couldn't manage to pay all my bills and live on unemployment. I think they are on there twice which I know can't be good. I have disputed them on each Credit Bureau and got nothing fixed and just a " Sorry, we can't help you ''! Something needs to be done, it's not fair these Credit Bureaus have the power to destroy people 's lives! I don't deserve this. I've been working 2 jobs for over 2 years to make sure I pay every bill on time! I have a XXXX XXXX XXXX XXXX for which I owe {$57000.00} for and it has done nothing to help me get any of the jobs I have gotten. Then I find out that college was overcharging students but can't figure out how to get in on the lawsuit and get this debt reduced. Can you please help me with my credit report? All I need is a 620 to 630 to get a home.

Company response to consumer: Closed with explanation