Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: 700 Credit Experts
State: WA

Complaint narrative:
XX/XX/year> Dear XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, UT XXXX I am now writing to you directly to provide a comprehensive explanation of the extreme and permanent hardship that makes payment impossible.

1. I am acknowledging and self-identifying as a vulnerabe adult And I am also acknowledging that this debt is putting Hardship on my ability to mentally function due to stress about it because I want to be successful and trying to have a job but the place I went to didn't offer much help and I also acknowledges that it is not your fault the other company didn't offer me much help but it is still weighing on my mind to the point where I can not sleep at night of the financial hardship that I incurred because I was hoping to receive a job but did not do so with their help.

I am Consumer am a adult with a neurodivergent mind and sensory processing challenges that severely limit their capacity to engage in substantial gainful activity in the workplace. This vulnerability is directly tied to a recognized disability status : * Workplace Barrier : Due to the nature of this XXXX, including issues with sensory overload in typical work environments, the Consumer faces systemic barriers to employment. Despite sincere attempts, including hiring professional job assistancespecifically with the service known as XXXX club experts * Income Status : As a result of this permanent inability to sustain employment, my only source of income is through Social Security benefits. I am on a severely limited and fixed income that is legally designated to cover basic necessities only.

2. Inability to Pay and Request for Forgiveness It is true that I owe this debt, and I would love to fulfill this obligation. However, the reality of my financial status is this : I am unable to pay the debt without compromising my basic health and housing security. My income is fixed, minimal, and will not improve.

Attempting to collect this debt against a person whose income is Social Security and who faces these permanent challenges constitutes collection against a vulnerable customer who is experiencing permanent financial hardship.

Therefore, to resolve this matter compassionately and permanently, I formally request that you : * Grant Full Debt Forgiveness and write off the outstanding balance of * Confirm in writing that the debt has been fully forgiven and that my credit file will not be adversely affected. 

XXXX. Documentation and Proof of Status To support this claim of permanent XXXX and financial hardship, I can provide you with : * Accurate, Up-to-Date Documentation of my Social Security status below. 

* Supporting evidence of my fixed, limited income. 
I urge you to consider the consumer protection guidelines surrounding vulnerable adults and recognize that continued pursuit of this debt is futile and harmful. I look forward to your prompt response and confirmation of full debt forgiveness within [ 14 or 30 ] days of the date of this letter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX SN XXXX WA ID 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