Consumer complaint received 2019-06-10
Company: Io, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2019 I checked my credit reports and was surprised by how much inaccurate and inconsistent information I saw between my 3 credit reports with XXXX, XXXX, and XXXX Regarding Receivables Management Systems. 



On XX/XX/2019 I sent a letter to the 3 credit bureaus requesting an investigation into my credit reports. I didnt get a reply in the mail by the 30- day timeframe from any of the three credit bureaus, so I decided to check my credit reports again for changes after way more than 30 days. 

On XX/XX/2019, After disputing with the credit bureaus directly, I sent investigation requests to Receivables Management Systems to have them validate the accuracy of the information listed on my credit report with no response back. 

On XX/XX/2019 I checked my credit reports again to see if there had been any changes. There were still multiple inaccuracies and inconsistent information, and my account had been re-aged. 

On XX/XX/2019 I sent a second request to the 3 credit bureaus for an investigation into the inaccuracies of my credit report and sent Proof of the STILL inaccurate and inconsistent information on my credit reports after my initial investigation request. I sent screenshots of my credit reports with circles around the inaccurate and inconsistent information and violations on my credit report along with notations. I stated I would like to know how the credit bureau verified any of the following information listed below when it is clearly still inaccurate and knowing that no one had validated the accuracy of my accounts when I sent out my direct investigation request to Receivables Management Systems ( please see copies of letters provided ). I asked did you call the original furnisher or just look at the information in their database? I then asked for the following information from the credit bureaus directly. Please provide me with the following information within 15 days : a ) The name of the creditor or collector ; b ) The persons name who verified the dispute with you ; c ) Their address ; d ) The telephone number ; e ) The documentation used to verify the dispute.

Here is a list of all the inaccuracies that I still found on my credit report after my initial investigation request : ( Original Creditor : ) XXXX Please delete this account because the collector has re-aged my account. 

ON XX/XX/2019 I checked my reports AGAIN and noticed the same inaccuracies and inconsistencies and violations and the account has been re-aged again! 

On XX/XX/2019, I again sent a second direct investigation request to Receivable Management Systems via certified mail so I can have proof they received it, along with a copy of my original investigation request that was sent out XX/XX/2019 that was ignored from my original request. I received my Receivables Management Systems investigation request which was sent via certified mail back in the mail marked return to sender, so Receivables Management systems is not even reporting the correct address on my credit report. 
As of XX/XX/2019, there have been no changes, no one ( credit bureaus or Receivable Management Systems ) has verified or explained to me how they are still reporting inaccurate and inconsistent information on my credit reports after Im providing multiple items of proof of the inaccuracies after ignoring my initial investigation request month after month. My requests have been completely ignored and this Is hurting my credit score. 

Please delete this accounts.

Company response to consumer: Closed with explanation