Consumer complaint received 2023-08-26
Company: Commonwealth Health Corporation
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
HillCrest Credit Agency XXXX XXXX XXXX XXXX has 7 different charges of alleged medical debt that they are actively reporting to the credit bureaus against me for a total amount of {$41000.00} This amount is absurd and totally false, and I have receipts to prove so. I have sent HillCrest Credit Agency 3 debt validation letters months ago, 2 by certified mail and one of which I dropped off at their office in person. HillCrest Credit Agency has refused to respond entirely to the debt validation letters, yet they continue to report the inaccurate charges monthly to the 3 major credit bureaus. On XX/XX/2023 I called their office at XXXX XXXX  and spoke with XXXX XXXX. I explained that I had sent the agency 3 debt validation letters however I have not received a response. I advised her this was a direct violation of the Fair Debt Collection Practices Act. She stated that it wasnt. She was very rude and stated she wasnt able to give me any information, and further stated I needed to contact an attorneys office, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY. I explained that first and foremost, I have been in contact with XXXX XXXX XXXX, I have all responses to the suit filed from XXXX XXXX XXXX on file with the XXXX XXXX XXXX, in regards to the ongoing lawsuit. Additionally, XXXX XXXX XXXX XXXX XXXX have not responded to my most recent response placed on file with the Courts, of which is now over a month with no response from them, as I check daily with the Court Clerk. Furthermore XXXX XXXX XXXX has not been able to provide a debt validation letter either, and multiple request were sent to them as well. Lastly, XXXX XXXX XXXX has no mention of HillCrest Credit Agency in the Court Documents filed against me. HillCrest Credit Agency is not listed as a Creditor, neither any debt is listed as owed to HillCrest Credit Agency neither is HillCrest Credit Agency listed as a party represented by XXXX XXXX XXXX. Most Importantly, the law office is NOT reporting this alleged inaccurate debt to the three major credit bureaus but HillCrest Credit Agency is the party doing so. I advised if they are reporting this debt to the credit bureaus on a monthly basis, with the most recent reporting on XXXX XXXX, they need to validate the debt they are reporting. She stated she was going to hang up in my face and then proceeded to do just that. HillCrest Credit Agency is directly in violation of the Fair Debt Collection Practices Act, and participating in bad and unethical business practices. It is my right as a consumer to have an alleged debt validated. Any alleged debt by the Debt Collector should be validated within a reasonable amount of time, or cease reporting it to the credit bureaus if they are not able to validate it. Additionally, HillCrest Credit Agency is inaccurately reporting a debt and when asking for information on this alleged debt, they are verbally stating they can not provide me any information.

Company response to consumer: Closed with explanation