Consumer complaint received 2022-05-22
Company: Choice Recovery, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted the following dispute to XXXX ( through the XXXX web site ) on XX/XX/XXXX. ( I was given a very limited space to give additional comments. ) See below : Why are you disputing this account? 

Account is not accurate Reason ( s ) for dispute : 1. The dates on this account are incorrect 2. This account is too old to be on my credit report Additional Comments : " This balance different than statements received from XXXX  Both different than original hospital balance. The statements I have received FASELY show payments I have never paid. Original service XX/XX/XXXX '' I received XXXXXXXX XXXX  response on XX/XX/XXXX ( Attached ) The original total that I was " responsible '' for was {$1800.00} ( I have attached a copy of XXXX  from XXXX ). The amount that Choice Recovery ( CR ) was attempting to collect was {$1600.00} ( I have attached copies of statements from CR ). And the amounts CR reports to the credit bureau are {$360.00}, {$520.00}, {$420.00} and {$350.00} leaving a total of 8 negative marks... This is not necessarily the problem, however. 

As you can see on the XXXX from XXXX, the date of service is on or about XX/XX/XXXX. On the credit bureau report ( account details ) the open dates for the above amounts are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX respectively ( I have attached copies of these pages also ). 

Additionally, as you can see on the attached statements from CR each statement declares " We have received a payment of ... '' at the top. I have never made a payment on any of these accounts because I left my employment shortly after this hospitalization ... Interestingly, many of the payments that CR claim that I made is in the amount of {$73.00}, the amount of my payments for current accounts at XXXX XXXX ( I have attached a current statement from XXXX ). If CR has access to my current account at XXXX, I feel this is also in violation of my HIPA rights. You will also see on the statement from XXXX that the earliest date of service is XX/XX/XXXX, meaning that I had payment arrangements with XXXX at that time. ( All of the " open dates '' for CR is after that date. ) Again, I did not make any payments on the XXXX account because I was unable to " catch up '' and " keep up '' at the same time... 

Also, Please note that, while CR claims that I " made a payment, '' the balance on the statement never changes. 

Finally, I believe that XXXXXXXX XXXX investigation amounted to allowing CR to " self investigate. '' We are now in a position that requires us to look for housing and I am concerned that, with a credit score below XXXX we will be denied housing. 

Thank you for your time! 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation