Reviews
3
Average
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0%
Resolution rate
0%
Anonymous
This company is breaking the law by failing to provide proper validation details as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, theyve re added a collection to my report for each validation I am entitled $1000.00. They must either compensate me or remove these account immediately
Anonymous
To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. * Chain of Title of ownership of the debt * Error & Omissions Insurance
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I am submitting this complaint to dispute a medical debt that is currently being reported on my credit report. I believe this account is inaccurate, invalid, and should be deleted. The reported medical debt is invalid because the treatment associated with this account was never completed. Additionally, I paid for the medical services that I actually received. Therefore, I do not owe the balance that is being reported. Furthermore, the company that purchased or is attempting to collect this alleged debt has failed to provide adequate verification of the debt despite my request. To date, I have not received documentation establishing that I legally owe the amount being reported, including documentation showing the basis for the debt, the amount claimed, or evidence that the collector has the legal authority to collect it. Without proper verification, there is no basis for continuing to report this account as a valid debt. Reporting this account as an outstanding debt is inaccurate and does not fairly reflect my financial obligations. I request that the furnisher and the credit reporting agencies conduct a reasonable investigation by reviewing all relevant medical billing records, payment records, and documentation supporting the validity of this alleged debt. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I request that any information that can not be verified as complete and accurate be deleted from my credit reports. If the furnisher can not provide competent evidence demonstrating that I legally owe the reported balance, the account must be removed. To the extent applicable, I also request that this matter be reviewed for compliance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., including the requirements concerning debt validation and the prohibition against false, deceptive, or misleading representations regarding the character, amount, or legal status of a debt. Accordingly, I respectfully request that : A thorough investigation be conducted into this disputed account. The furnisher and debt collector provide competent documentation verifying that the debt is valid, accurate, and legally enforceable. Documentation be provided establishing that the reported balance is owed despite the treatment not being completed and despite payment for the services that were actually rendered. If the debt can not be fully verified with competent evidence, the account be permanently deleted from all consumer reporting agencies. I receive written confirmation of the investigation results and any corrective actions taken.
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