Product: Debt collection

XXXX XXXX XXXX I have insurance, and at the time of medical bill I was also low income. XXXX assigned a bill that is not mine to Merchants Credit. XXXX never offered me any payment options or help. When I contacted XXXX XXXX XXXX, they told me there was nothing they could do because they sold my information to Merchants Credit. I asked them to provide me proof and why they sold a debt off in my name when it was not mine. They said they already collected money from Merchants Credit and that there is nothing they can do because it was closed on their end and that I would have to resolve the issue on my own. I told them at the time I was low income and did not have any money and also that I have insurance so I should not have any debt. They said there was nothing I could do and that I would have to work it out with Merchants credit even if it is not my debt. 

I believe XXXX XXXX is selling off bills that have medical coverage to gain additional money from collection agencies. To me this is a scam and a way to make extra money off of Washington residents. I believe they are targeting low income individuals because XXXX feels they are easy victims. 

This in unethical and has wide range of implication on families in low income that are already struggling to pay bills and put food on the table. These types of practices put up additional barriers that affect families in purchasing cars obtaining rental leases, and even jobs. This is not ok and XXXX should not be allowed to get away with this. 

Merchants Credit : This is not my debt. I have asked Merchant 's Credit to provide proof that this is my debt. like a paper with my signature and they have only given me a document that shows my current address on a bill, that is dated for 2016, which I resided at another address in 2016. Thus it is not the original bill. Further they have not provided me with any proof that this is my bill. No signature and no documents. This looks like it is a bill from XXXX XXXX. I have insurance. I have called them multiple times telling them this is not my bill and to provide proof. They will not provide proof, and they will not stop sending me collection letters. They kept posting this bill to my credit report that caused major issues in my life because it looked like I was being ir-responsible and affected my credit report. When asked why they are sending me bills and posting to my credit report when this is not my bill and they can not provide proof, they said they do not know, all they know is that they have my name and I have to pay them. I need help because this is not my bill and they keep sending me letters, for a bill that is not mine. I feel they are I have sent letters that have said I dispute the validity of the debt in the above-reference account, and would like verification from you of the obligation, the amount owed, and proof of a valid assignment of the debt from the original creditor to you. Please send me copies of all documents related to this debt including, but not limited to, court judgments or other orders, contracts, billing statements, account records, invoices, receipts, cancelled checks and correspondence. In addition, please detail all costs and interest charges owed, the dates incurred, and all amounts paid on the account. Send all of the requested documents to me at the address listed below. I am also exercising my rights under the Fair Debt Collection Practices Act, 15 U.S.C 1692, and demand that you cease all communication with me, my family members and all other third persons. 

They have not honored any of this. This is unfair an unethical to post debts to peoples accounts without proof. The actions of Merchants Credit has caused grave consequences in my life that go far beyond this bill alone. 


They need to remedy and fix their issues. Please help me. Thank you! 

Sincerely, XXXX XXXX