Business & Professional Collection Service Inc – CFPB Complaint

Date Received: 2017-09-21T00:00:00

Product: Medical debt

Issue: Took or threatened to take negative or legal action

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I went to the hospital for a XXXX XXXX on XXXX XXXX, XXXX and incurred a large bill that my insurance paid all of but a {$580.00} portion that was my responsibility that was not paid. That amount now shows on my credit report as being placed for collection XXXX/XXXX/XXXX which is incorrect. XXXX XXXX XXXX XXXX XXXX XXXX who provide the service ( s ) sent me late notices in XXXX of XXXX. While I do n’t have copies of them I do have copies of a bill from one of their bill collectors XXXX and XXXX XXXX XXXX from XXXX XXXX, XXXX showing the debt amount and that they are charging interest on the debt. I believe the debt collector knowingly ” re-aged this debt ” which is a violation of the Fair Credit Reporting Act by reporting inaccurate information about my accounts to credit bureaus. In XXXX XXXX I sent a letter of dispute to the credit reporting agencies saying the debt was from XXXX and the ” hospital collection service ” verified it as accurate. This is a practice of unscrupulous debt collectors and I feel they should be punished for it as it has adversely affected my credit rating and increased the cost of credit I have obtained over the last couple years because this collection is being inaccurately reported in my credit file. Other debt I had incurred from this same hospital visit has been removed from my credit file.

Company: Business & Professional Collection Service Inc

State/Zip: NV 895XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2681254

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See also  Conn’s, Inc. - CFPB Complaint ID 3106863

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