Consumer complaint received 2021-03-09
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 below letter sent certified mail to Ability Recover Services. Reading the below letter will best outline the definition and content of my complaint. PLEASE NOTE that this complaint is in tandem with complaint # XXXX that i sent today XX/XX/XXXX but I am just correcting the dates of the altered or " re-aged '' DOFB dates by the collection agency to XX/XX/XXXX not XX/XX/XXXX. 

Documents are attached showing original service dates of XX/XX/XXXX which Ability recovery sent me by request and then pictures of my XXXX  credit reports showing repeated inaccurate and illegal re-aging posted dates of ONE year later starting XX/XX/XXXX sent by Ability Recovery Services to XXXX. Please read below : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Fl. XXXX Ability Recovery Services LLC XXXX XXXX XXXX XXXX, PA. XXXX Re : Acct # XXXX or acct # XXXX XXXX ( both are listed ) To Ability recovery services or 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 {$XXXX} ( 6 X the same charges ), 1X {$XXXX}, 1X {$XXXX}, 2 X {$XXXX} and 1 X {$XXXX}. 

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

The copies of the original 10 debt charges that you sent on XX/XX/XXXX reflect original service dates ranging from XX/XX/XXXX through XX/XX/XXXX and your reporting of " date of first delinquency '' or DOFB to the collection agencies ALL reflect a RE-AGED dates ranging in XX/XX/XXXX. The DOFD dates were re-aged almost 360 days ( 1 year ) in your reporting. 

FCRA guidelines Section 606 states : " The date of the first delinquency ( DOFD ) is the date a consumer first became 30 days late and no further payments were made on the account from that date forward. '' NO payments were made on these accounts. " The FCRA Compliance Date is the official beginning of first date of delinquency ( DOFD ) which can not be changed once an account is charged-off. " 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 XXXX XXXX XXXX, 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. Listed below is the filed complaint information as you will be contacted accordingly : Consumer Financial Protection Bureau Complaint Number XXXX 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 I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation Financial Injury US XXXX XXXX XXXX, XXXX XXXX, 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 ) 3. ) Violation of Consumer protection afforded by the FCRA Section 605 ( c ) 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 SSN : 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 As this is illegal and unethical, please assist in having Ability Recovery Services remove these charges form my credit report. 

Thank you for you king consideration and help on this very stressful and concerning matter. 

Best regards, XXXX XXXX

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