Consumer complaint received 2022-10-26
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have now received XXXX collection accounts added to my credit report for a medical debt that does not belong to me and is fraudulent. The first one appeared on my XXXX credit report on XX/XX/XXXX. XXXX XXXX XXXX was assigned " my account '' on XX/XX/XXXX and reported a medical debt of {$480.00} with the date of first delinquency being XX/XX/XXXX and the original creditor named as XXXX XXXX XXXX XXXX. I do not reside nor have I ever obtained care in XXXX XXXX. I reside in XXXX XXXX and have only sought care in XXXX XXXX. When I contacted XXXX XXXX they would not provide me with sufficient information to prove the debt was mine. They only disclosed that they had my social security number, but would not verify it without me saying it first and told me they were collecting on behalf of XXXX XXXX XXXX for services PROVIDED by XXXX XXXX XXXX XXXX. I was provided an " account number '' associated with XXXX XXXX XXXX and tried looking up " my account '' and to no surprise I could not locate on their website a designated place for consumers to look up their account information. I disputed this through XXXX on XX/XX/XXXX, on XX/XX/XXXX my dispute was completed and resulted in the deletion of the account from my credit report. I received a letter from XXXX XXXX XXXX on XX/XX/XXXX confirming the account closure and return. I received ANOTHER collections account on my XXXX credit report AND XXXX report that appeared on XX/XX/XXXX. The report lists XXXX XXXX XXXX XXXX as the original creditor but now Commonwealth Finance as the current collection agency. I once again " owe '' {$480.00} for a service provided by XXXX XXXX XXXX XXXX and first date of delinquency being, once again, XX/XX/XXXX. The account was assigned to them on XX/XX/XXXX. I was provided an " account number '' this time from my credit report and tried using it on their website to login. Coincidentally, they called me shortly after I was on their website. The representative I spoke to admitted she saw I tried to login using that account number and said the reason it did not appear is because they were hired by and collecting on behalf of XXXX XXXX XXXX and that account number is for that original creditor. The account numbers given to me by XXXX XXXX XXXX and XXXX XXXX, with the claim they belong to my account with XXXX XXXX XXXX, are DIFFERENT. If I did have an account with XXXX, I would assume my account number would be the same. No where on their website is there a place to input that account number to look up. XXXX XXXX said they had my SSN so it appeared as if the debt owed is legitimate, but then said how easy it is for anyone to obtain personal information. They also stated the debt was the result of services provided by XXXX XXXX XXXX XXXX. I have disputed this on XX/XX/XXXX for a second time with XXXX and have also filed a dispute with XXXX. Again, this is NOT debt that I owe. I have NOT received any care in XXXX XXXX. Let alone, emergency services in XXXX XXXX. I reside in XXXX XXXX and seek care in XXXX XXXX. My XXXX XXXX with XXXX has been NEGATIVELY affected TWICE by this fraudulent account and now my XXXX XXXX XXXX has been NEGATIVELY affected. This is unacceptable! XXXX XXXX XXXX and XXXX XXXX XXXX XXXX need to be investigated for fraudulent activity and false reporting on credit reports!

Company response to consumer: Closed with explanation