Product: Debt collection

On XX/XX/XXXX I discovered that there was a new debt that sneaked its way to my credit files with no absolute notice, so i disputed this unknown debt with all credit bureaus. A day or XXXX later quick quick the bureau got back to me via notification that the debt was valid and would remain on my file for 3 months and that the debt was Validated whatever that statement meant then a Huge Red wording appeared on my report atop the erroneous debt of potentially negative. So i reached out to the Phoenix Financial XXXX by phone and at first spoke with a XXXX who was very loud and XXXX telling me that I owe this debt that i knew nothing of. I asked where did it come from she stated she just received it in XXXX od XXXX and she sent me a notice in XXXX of XXXX i never received anything and i never ever received a phone call on my number though she claimed she called and i advised if they tried me on my company phone which i have a do not call registry on then they broke the law and she said she could still call. Anyways I gave her my correct number to call on XXXX so they stop breaking the law. and i told her if they needed to reach be that would be the number, we further discussed the nature of the business from whence it came and for what i was being charged and most importantly WHEN WAS THIS BILL GENERATED. she said XXXX of XXXX. I said in Fl you shouldn't even be trying to collect something like that which is XXXX XXXX XXXX. She said well I just got it. I asked where did it come from and she could not tell me as SHE DID NOT KNOW. So after she described what was being charged i said that i had some of those symptoms in the pass and it was taken care of by insurance at the hospital if thats where its coming from. they could not verify they only stated THAT ITS AN INDEPENDENT XXXX WHO WORKED UNDER THE DISCGUSE of the hospital and so its a separate bill but she will give me a 75 % discount od XXXX of XXXX if i agree to pay it and it will last for 4 months though the credit file states remaining on for 3 months so then my Grown boys heard the conversation and told me to have them send me the exact bill and from the direct creditor which she claim she has requested the XXXX XXXX to send to me and i gave her too my address as im not afraid to take care of my responsiblity but this DEBT IS XXXX XXXX XXXX and should have been dismissed as statute of Liability passed. the debt was from XX/XX/XXXX - XX/XX/XXXX. Shame on them. 

I called back 3 days later and got another Rep XXXX who was the most Rude and he wanted to talk over me and did not want to communicate just trying to re-iterate that the bill is correct and they took care of it 3 days ago as if he wanted me to vanish away but i insisted i needed clarity as i had more information but he wasn't having it I even mentioned that in MY RESEARCH I WILL REPORT THE MATTER TO THE CFPB AND THE COMMISSION and he rudely said GO AHEAD report to whomever I want so he became hostile and being insultive and was trying to be loud and MATTER of Fact with his XXXX XXXX but I told him I wasn't afraid of him though XXXX XXXX and if this how he talks to his Elders i cant begin to imagine the way he speaks to his mom and he calmed down and said u dont know me, then i said you dont know me either so speak to me with respect and he hung up the phone in my face. Bottom line please have these folks remove this derogatory from my files. its NOT MINE it could be anybody 's YES I HAD back issues and XXXX have checked it out at different places even today at XXXX XXXX but i thought it was university hospital so i called them there and they had absolutely no debt there fore me. The last time i was at that hospital was XXXX for covid, All my hospital bills are paid through insurance so if XXXX XXXX XXXX worked there private as per XXXX at Phoenix Financial they were wrong not to collect my insurance at the time of service when rendered. Not grasping at straws 7 years later. Please help me here to lay down the law someone is just not being cognisant or they just don't care.