CFPB Complaint

United Consumers Inc – CFPB Complaint ID 3059883

Consumer Complaint Submission

Date Received: 2018-10-29T00:00:00

Product: Medical debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: United Consumers, a Collections Agency does not do anything except post allegedly owed debts onto my credit report. Their client never sent us an unpaid bill in XX/XX/XXXX and in fact we never found out that we had a bill that I alledgedly owed for {$87.00} until it first appeared on my XXXX credit report in XX/XX/XXXX.

Upong disputing the debt, the collection was removed.

Then, after being turned down for credit, I sent for a Copy of my XXXX XXXX Credit report again in XX/XX/XXXX and found out that United Consumers was claiming that I owed {$87.00}. Although I did not owe the amount, it was not worth a fight with them, so I paid it off ( see attached — Proof of my payment in XX/XX/XXXX ) for a ” Bad debt ” that I never Received a written notice in the mail or even a phone call about, EVER!

This year, I found out that my credit score was being harmed again by the the United Consumers, for reporting that I have a collection on file for {$0.00}, and this is harming my credit.

Please ask United Consumers for proof of attempted collection, and for proof that they have followed the rules by removing a paid debt, that we actually did not even owe to their client.
They have received 3 or more correspondences form us in the past year, in XX/XX/XXXX and XX/XX/XXXX and they never respond. ( See all attached )

Company: United Consumers Inc

State/Zip: VA

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3059883

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