Date Received: 2018-04-21
Product: Medical debt
Issue: Attempts to collect debt not owed
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: I have been disputing a account on my credit report from Healthcare Collections LLC. On XX/XX/2018 i sent a letter to HealthCare Collections LLC certified mail disputing this account as not mine. I asked for validation of this account to include the original contract with my signature and identification and address. i never received a response from HealthCare Collections LLC within 30 days.They are still reporting the account to my credit report as accurate which is a violation Under the FDCPA, you have the right to debt validation. This means a consumer can demand that a creditor reporting information to the credit bureaus prove the account is really your responsibility and that the balances are accurate. Once your letter is received, the collection agency must stop all collection activity, including reporting and verifying, until they supply proper validation of the debt. If the collection agency failed to validate the debt and has sent a notice of the debt to a consumer reporting agency, the notice of the debt must be removed. If not, send a notice of the failure of the validation to each consumer reporting agency that lists the debt. Unless the credit reporting agency can validate the debt, it should be removed from your credit report. I want this account removed from my credit report for failure to to properly send validation of this debt.
Company: Healthcare Collections-I, LLC
State/Zip: NV 894XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 2882879
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Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.
In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.
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