Consumer complaint received 2018-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: CA

Complaint narrative:
Account ( Company ) Name : ABILITY RECOVERY SERVICE Account Number : XXXX Account Type : Collection Date Opened : XX/XX/XXXX Status Updated XX/XX/XXXX Balance {$2500.00} First Reported : XX/XX/XXXX Original Creditor XXXX XXXX Collection Agency Address : Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, PA XXXX My credit report shows a collection from Ability Recovery Services that I do not owe. 
I have made repeated attempts to clear this up and the company refuses to stop reporting on my credit report. I have been challenging this with all three credit bureaus since it was first reported. I have informed Ability Recovery Service that I do not owe the debt. They were no help. The person I spoke with in the past was rude and unhelpful instead I received a debt settlement reduced amount request for a debt that I do not owe. I responded to debt dispute in XX/XX/XXXX prior to the 30 day deadline. 
They continuously update the account in a unethical practice attempt to lower my credit score. Ability Recovery Services just recently updated the account this month. The original company is listed as XXXX XXXX. The original debt supposedly was from XXXX. They are claiming I owe ( {$2500.00} ) from classes? I enrolled in XXXX XXXX online XXXX course back XXXX, and disenrolled beginning of XXXX before XXXX in which the debt is stated as opened. I am XXXX veteran. I began having major medical issues from my military service prior to the start of XX/XX/XXXX classes. I disenrolled out of the program. I took all the proper steps to disenroll properly as informed by the college. In XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX  sent me emails stated that they have not seen participation in my classes. I contacted them and informed them that I was no longer enrolled in the college. I was informed that I received the notification in error and everything was ok. I did research online and find out that XXXX XXXX has been sued with two class action lawsuits for unethical practices. Prior students complained about XXXX XXXX automatically enrolling students no longer attending the college in to classes that they have no knowledge of. The Department of Education have also fined them for receiving federal student loan funding for students no longer enrolled. I am a victim of enrollment of classes that I did not attend. In XX/XX/XXXX, I was not enrolled in any college. I even tried to recently clear this matter up with the college. I have not received any assistance with deleting this college debt that is not mine. 
I also researched Ability Recovery Services on the internet. Ability Recovery Services have abundance of complaints along with a lawsuit for violating the collection laws with contacting a consumer to include the extreme rude customer service like I received. I do not know what else to do. I need this debt removed from my credit reports. All my other accounts on my credit report has great payment history and this one account that is not my debt is preventing me from purchasing a car or a house for myself and my XXXX children. I three accounts open and closed shortly after extending me the credit and one account that the creditor reduced my credit limit down drastically to {$100.00} due to Ability Recovery Services continuous reporting this debt that is not mine. I am doing everything right with paying my actual creditors and on time and this collection agency is destroying my life financially. I feel very tramped. I have followed all the correct procedures with disputing and Ability Recovery Services re-reports the debt. I am now a XXXX veteran who is trying to raise my kids and provide transportation and housing for my kids and I can not do that. I can not utilize my VA XXXX XXXX XXXX a veteran benefit that I have earned because of the malicious and unethical practices of Ability Recovery Services of a debt that is not mine. I have serviced my Great country. Why do I have to come home and fight seamless debt battle that is not even mine? I do not know what else do. Can you please investigate and have this debt that is not mine removed, so the credit abuse on my credit report can stop? All I want is to have this debt that is not mine removed from my credit report, so I can have a part of the same American Dream that I served for especially when it is not my debt.

Company response to consumer: Closed with explanation