Product: Debt collection

I am filing a formal complaint against Synergetic Communications , Inc. ( a debt collection agency ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX for fraudulent billing practices, failure to validate a debt, and illegal credit reporting violations. 

I received a debt collection notice from Synergetic Communications regarding Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which has been wrongfully placed on my husband 's credit report, despite me being the actual patient.

INACCURATE DEBT ASSIGNMENT & CREDIT REPORTING VIOLATION ( Violation of FCRA & FDCPA ) This debt has been incorrectly assigned to my husband, XXXX XXXX, despite me being the actual patient. 

XXXX XXXX never received services from XXXX XXXX, never signed any financial responsibility agreement, and has no connection to this balance. 

This misreporting violates the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( a ) ), which prohibits furnishing inaccurate or unverified information to credit reporting agencies. 

Since this debt does not legally belong to XXXX XXXX, it must be removed from his credit report immediately. 

FAILURE TO NOTIFY THE CORRECT PERSON VIOLATION OF FDCPA & TDCA XXXX XXXX never received services from XXXX XXXX and had no knowledge of this debt. 

Because he was unaware of the balance and had no connection to it, he likely ignored any calls or notices, assuming they were made in error. 

As a result, Ithe actual patient and responsible partywas NEVER properly notified of any outstanding balance. 

I only became aware of this alleged debt once it was placed in collections. 

Since I was never informed of the balance, I was denied my legal right to dispute or address the issue before it was reported to credit bureaus. 


LACK OF TRANSPARENCY & FAILURE TO PROVIDE BILLING INFORMATION The only reason I am aware of the claim history related to this debt is because I personally contacted my former and current dental insurance providers, XXXX XXXX XXXX XXXX 

XXXX XXXX never notifications regarding insurance denial and told me that pre-authorization was done. XXXXXXXX XXXX  confirmed that they never sent in for a pre-authorization. 

Synergetic Communications has also failed to provide any itemized bill or verification of charges, despite my formal dispute. 

I only learned of this debt through a sudden collection notice and had to investigate its origins myself. 

Your failure to provide basic information about the debt violates FDCPA ( 15 U.S.C. 1692g ). 

FRAUDULENT MISREPRESENTATION & INSURANCE BILLING ERRORS Upon further investigation, I have discovered that this debt exists solely due to XXXX XXXX own billing failures and misrepresentations regarding insurance coverage. 

XXXX XXXXXXXX XXXX XXXXXXXX has confirmed everything stated below. 

My XXXX XXXX insurance coverage ended on XX/XX/XXXX and my XXXX XXXX started XX/XX/XXXX of XXXX. Since they did not do a pre-authorization my treatment like I was told they did, we would have found out before service that XXXXXXXX XXXX was not going to cover it. 

XXXX XXXX falsely stated that my treatment was pre-authorized. However, XXXX XXXX and XXXX XXXX confirm that no pre-authorization was ever requested. 

Had they actually submitted a pre-authorization, they would have immediately known XXXX XXXXXXXX would not cover the procedure. 

Instead, they waited until XXXX XXXX months after treatmentto even submit a claim. Which treatment date according to XXXXXXXX XXXX  files was XX/XX/XXXX. 

XXXX XXXX confirmed that the initial claim they sent in XXXX was improperly filed without the doctors name, causing automatic rejection. This is XXXX XXXX administrative mistakes, NOT mine. 

XXXX XXXX then resubmitted the claim on XX/XX/XXXX, XXXX entire year after the treatment- and was denied due to me not having coverage through them. 

Because this debt was created solely due to XXXX XXXX negligence to properly get pre-authorization and confirm/bill the proper insurance, I am NOT legally responsible for any amount owed. 

ILLEGAL RE-AGING OF DEBT FCRA VIOLATION This debt allegedly originates from XX/XX/XXXX, yet it was reported as opened in XX/XX/XXXX. 

Re-aging a debt to make it appear newer is a violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( b ) ). 

A collection account must reflect the original delinquency date, not the date the debt collector acquired it.