Consumer complaint received 2021-01-22
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 status incorrect

Complaint:
The company XXXX XXXX XXXX of XXXX XXXX, XXXX. sent me to " collections '' according to credit bureaus over a non-existent account hurting my credit score. No due process was followed, they never contacted me. I definitely do not owe them a penny. 

I called the number of this company shown in website here : XXXX  : XXXX and the person said that I don't owe anything but they reported me to the credit bureaus regardless and won't fix this. Then she said that they are not related to XXXX XXXX XXXX of XXXX XXXX, XXXX. even though the number of the website shows that company 's name. I dont know what to do. 

Supposedly ABILITY RECOVERY SERVICES is acting on their behalf to collect {$64.00} dollars that according to XXXX XXXX XXXX XXXX XXXX, I owe to them. This is absolutely incorrect. I paid all my bills immediately, I don't owe anything to no one. 

Also, Ability Recovery Services has no option for a consumer to contact them. The contact info appears to be for prospective clients. So, XXXX doesn't make it easy on me to find out what is happening and why they came up with this bogus claim that I owe them. 

XXXX XXXX XXXX of XXXX XXXX, XXXX. and ABILITY RECOVERY SERVICES need to be monitored by Federal Regulators for the following : 1- Causing financial damage to U.S. citizens without any regards to due process. I am trying to renegotiate my mortgage and then this happened!! I can not believe it. I have now a derogatory mark on my credit score record for something that is just not true. 

2- Lack of business sound practices, such as producing documentation and communicating with the person that supposedly owes them money and communicating to such person that if no attention is given to the claimed amounts, that they will subsequently proceed with collections. I was NEVER contacted by any of these companies, they just didn't bother. They just proceeded to hurt my credit score and spoiled my chances of renegotiating my mortgage. Had they contacted me, I would have proven to them that their accounting and processes systems are deficient and sub-par because whatever they think they have about me is incorrect, meaning I have not used their services and I don't owe them a cent, nothing. 
By common sense, before you send someone to collections you first perform and document the intent to collect the alleged debt. You send letters, emails, make phone calls, leave messages. Many things could have been done and they did NOTHING. Had they contacted me I would have told them how wrong they are, but they didn't give me the chance. I dont even know how to effectively contact them and who in their organization can effectively repair this damage. 

3-Having a website with incorrect contact information so people can not easily find out what is going on and why these company have hurt their credit. These companies doesn't provide a clear path to communicate and agree on a solution.

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