Consumer complaint received 2020-10-02
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am placing this complaint against Medical Data Systems, LLC. The collection agency is reporting wrong, inaccurate, conflicting, misleading, different, and inconsistence reporting on my credit report with all three Credit Bureaus. Creditors and Collectors are not allowed to report wrong, misleading, and inaccurate information to my credit reports. Under the Fair Credit Reporting Act, if the information is not accurate and fair, I have the rights to asked that is it removed. I never received a debt validation letter from Medical Data Systems, LLC, initiating contact with me informing me that I owe a debt with an amount owed on the debt, and the name of the original creditor. Along with a validation letter, Medical Data Systems, LLC should have included a number of statements of my rights, including that they have assumed a debt to be valid unless I dispute it in thirty ( 30 ) days, a statement that the collector has thirty ( 30 ) days to respond if I dispute the debt, along with other requirements. I am asking Medical Data Systems, why do they believe I owe the debt, for a record of all owners of the debt, amount and age of the debt, and under what authority Medical Data Systems has the authority to collect without informing me that they took over a debt. I am also asking for a copy of the date Medical Data Systems took over the account, the status and date of the account when they took it over from the original creditor. I will follow the proper chains of command, and file a complaint with the Federal Trade Commissions ( FTC ) I am requesting that this account is immediately removed from all three ( 3 ) reporting Credit Bureau for reporting false information, inaccurate, misleading, different, conflicting information, conflicting dates, amounts, no reporting data, collections, unknown assigned dates, accounts status reported as closed, paid, and at the same time reporting as the account being in collections as recent as XX/XX/XXXX. Medical Data Systems reported false and wrong information when they reported a last payment date was made on XX/XX/XXXX. This is false inaccurate reporting. Please provide me with a copy of a check, money order, or receipt where a last payment was made on that date. Reporting different inaccurate dates and information on my credit report that an account was paid and closed, and then reporting a recent date as being in collections is very damaging to me and my credit report. I will provide the FTC if necessary with a copy of the misleading inconsistencies that Medical Data System is reporting. There are several inconsistencies, inaccurate reporting information being reported by Medical Data Systems to the three ( 3 ) Credit Bureau. I am exercising my rights to dispute the Medical Data Systems, LLC account, and ask that this account is completely removed, updated, and show as a positive reporting with all three ( 3 ) Credit Bureaus. Please keep in mind that reporting inaccurate, inconsistent, misleading, conflicting, and wrong information will hinder my credit in a negative way, and is damaging to me and my credit. As a consumer, I have the right to an accurate credit report. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation