Date Received: 2018-11-16T00:00:00

Product: Medical debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: Im a little confused. Two months ago, I disputed the following previously deleted account as being inaccurate, and you deleted it because the furnisher agreed with me.
Creditor : XXXX Account : XXXX Reason : FRAUD {$1700.00} But today, I went online and checked my credit and noticed that your company put the previously deleted account that was deleted back onto my credit without notifying me. From my understanding, if you re-insert a previous item, you must notify me at least five days after placing this item back on my credit report. So why was I not notified? Because of your actions, my credit score dropped by over 30 points, causing me to pay a higher interest rate on my loan. In addition, I read an act on the FTC website stating that your action is a violation which carries a fine.

Please delete this previously deleted account within 10 days of this letter or I will file complaints with the FTC, XXXX, and attorneys general in my state and your state. I will be also talking with a consumer rights attorney regarding this matter.

Not only that you have XXXX is steady reporting inaccurate information into my credit file. I have never done business with XXXX or any company they represent. I am a victim of identity theft and the accounts XXXX hold are a direct result of this. XXXX has refused to verify these accounts with me so how are they verifying them with you?


State/Zip: TX 77568

Do You Have a Question You'd Like Help With? Contact Debt Coach Damon Day. Click here to reach Damon.

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3076524

The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.

See also  Pressler & Pressler, LLP - CFPB Complaint 2017-10-04

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.

Here is where you will find important stories located from around the web which can impact you and your financial life.