Anonymous
Attempts to collect debt not owed: Debt collection
I am filing this complaint because this company is attempting to collect a debt that is no longer legally owed. The original medical provider approved financial assistance that covered the account in full, resulting in a $0.00 balance. I have documentation from the original creditor showing the balance was satisfied. Despite this, the collection company continues to attempt to collect the alleged debt and has reported or attempted to report inaccurate information regarding this account. By continuing collection efforts after the original creditor extinguished the debt, the company is attempting to collect an amount that is not legally owed. I have disputed this account and provided evidence that the original provider considers the balance paid in full through its financial assistance program. The collector has continued collection activity instead of conducting a reasonable investigation and correcting its records. If this company furnished information to any consumer reporting agency after the debt was satisfied, that information is inaccurate and misleading. Continuing to collect a debt that has been resolved may violate the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e and 1692f ) by using false or misleading representations and unfair collection practices. If inaccurate information has been furnished to consumer reporting agencies, it may also violate the Fair Credit Reporting Act by failing to report accurate information. I am requesting that the CFPB investigate this matter and require the company to cease all collection activity on this account.
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