Product: Debt collection

This complaint is a continuation of complaint XXXX XXXXXXXX. 
This complaint filed on Monday XX/XX/XXXX may be used in legal proceedings to support the consumer claims of, harassment, negative reporting to the credit bureau, threats to take negative action, damage to her credit worthiness and credit score since XXXX. 

Universal Collection XXXX ( XXXX, XXXX  ), had one job! And that job, was to validate the invalid debt collection as requested by the consumer too many times to count. 

Universal Collection XXXX is deceptive and manipulative. 

Universal Collection XXXX, convinced the credit bureau to continue reporting an invalid medical debt, that the consumer never owed. 

Universal Collection XXXX informed the CFPB on XX/XX/XXXX, they conducted a thorough investigation, and validated the invalid debt owed by the consumer. 

In addition, the deceptive collection agency " NEVER '' informed the consumer this was a " medical debt '' with her insurer, " XXXX '', right out lie! If in fact, Universal Collection XXXX would have provided the consumer with valid information ( debtor, date of service, type of collection ) the debt would have never been reported on the consumer credit report, since XXXX. 

The consumer immediately contacted her health insurer, XXXX, XX/XX/XXXX after Universal Collection XXXX provided the CFPB with valid account information. 

The consumer spoke with the XXXX benefit representative on XX/XX/XXXX and was informed, Universal Collection XXXX is attempting to collect a medical debt the consumer does not owe, and the collection agency nor XXXX XXXX " never attempted '' to contact all alleged in their response to the CFPB on XX/XX/XXXX. 

Universal Collection XXXX intentionally with held account information ( years ) such as the name of the debtor, date of service, and healthcare insurer, etc. If Universal Collection XXXX would have validated the account and provided the consumer with account information this debt would have been resolved immediately. 

Universal Collection XXXX had 1 duty, and that duty, was to validate the debt as the customer requested. 

This is a copy of the response the CFPB and the consumer received from Universal Collection agency ( claim XXXX XXXX XXXXXXXX ) provided in response to the CFPB inquiry on XX/XX/XXXX : " XXXX XXXX did not believe the agent and maintained her position. The agent accepted the {$25.00} payment and updated her account to reflect a current balance of {$490.00}. This is a flagrant attempt by XXXX XXXX to " game the system '' by exploiting the CRAs ' new reporting threshold in order to evade a valid and verified debt. Furthermore, at no time did any any agent or employee of this agency harass or inflict emotional distress on this consumer. The existence of a debt in and of itself, especially one that has been investigated and verified, is not sufficient to support such a claim '' Universal Collection XXXX is a " deceitful, manipulative, suppose to be, collection agency that will exceed all rules, policy established by the XXXX, CFPB to make a profit, or gain. '' Prior to this debt being reported to the credit reporting agencies, XXXX XXXX and Universal Collection XXXX had knowledge the consumer had health insurance on file ( XXXX ). Prior to this medical debt being reported to the credit reporting agency XXXX XXXX had previously billed the consumer well over 100 times for other dates of treatment. 

The consumer credit score, and credit report was unnecessarily, and negatively impacted by Universal Collection XXXX and XXXX XXXX. 

Universal Collection XXXX inflicted harm and emotional XXXX each time ( monthly, biweekly ) they reported negative invalid information to the credit reporting agencies which in turn, triggered the consumer anxiety, and significantly impacted the consumer credit score and credit worthiness.

It is collection agencies like Universal Collection XXXX who target innocent consumers, and take advantage of consumers, and give debt collectors a bad reputation. 

Thank XXXX! we now have the Medical Surprise Act! which will help to prohibit many debt collectors from engaging in deceitful and manipulative practices to make profit or gain. No credibility what so ever! 

If Universal Collection XXXX validated the invalid debt, as alleged, they would have never reported the invalid medical debt to the credit reporting agencies, and the consumer would not have needlessly suffered impact to credit worthiness. 

Request the credit reporting agency to requests for the medical debt to be immediately removed and her credit score immediately restored with all points taken from the consumer credit score since XXXX. 

Request for the CFPB, FTCA, and Credit reporting Agency, to please contact XXXX and verify medical debt reported by Universal Collection XXXX is not a valid debt, and never was owed by the consumer. In fact, the original bill should have reflected {$470.00} in addition to the consumer co-payment of {$30.00}, which should have never been reported to the credit reporting agency. 

Thank you,