Consumer complaint received 2018-08-16
Company: Express Recovery Services, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was seen by Dr XXXX XXXX on XX/XX/2018. And when I was seen I was told billing wanted to speak with me. I promptly went back and spoke to someone in billing. They told me that they had just sent the account to collections but because of the holiday they wanted to see if they could still accept the payment at the office. I guess once it gets reported to Express Recovery, I then have to go through them, and billing wouldnt be able to accept a payment. Which is  understandable. We tried and my card went through. XXXX XXXX accepted my payment of XXXX on XX/XX/2018. And I was told the collection company would no longer have access to collect on that account and it would be noted the account was paid. Fast forward to XX/XX/2018. When I get a notification that Express Recovery has listed new collection of XXXX dollars on my account. I call billing and they say I have no accounts in collections and they will call Express Recovery and find out whats happening. I called back a few days later and spoke to someone else. They said they had no idea what was going on or why Express Recovery would be collecting on an account thats not in collections and they will take care of it. 

In XXXX I pull my reports again to find Express Recovery is still actively updating the collection account for XXXX dollars. In XXXX, I pull my reports again. Guess what? Express Recovery is still reporting a collection account on behalf of XXXX XXXX for XXXX ( which is not even the correct amount!! ) so at this point, I come into the office and talk to someone face to face. Im showing them my receipt from XXXX, that I paid this amount, {$180.00}, on XX/XX/2018. Everyone is dumbfounded. Which I can understand. I just wanted to get to the bottom of it. So after they told me they would call Express Recovery again and take care of it, I decided that I would dispute this account myself because now Express Recovery is not only screwing with my Credit Scores and affecting my ability to get a decent percentage rate on a car loan or new mortgage, they are now breaking federal laws. And after 3 people in the billing office tried to get Express Recovery to update the account and delete the inaccurate information that they are reporting to the Credit Bureaus, I decided I was going to take Express Recovery on myself. And if that means taking them to court to delete the false information then I would do so. 

Express Recovery has falsely reported inaccurate information for months on my credit reports and I have the proof below. This account didnt sit in their office for 5 months As they reported. They never received a dime from me. Or received payment on behalf of the doctors office for this account like they reported. Its done nothing but hurt my credit and I have tried my best to stay on top of paying all my bills on time and in a timely manner. I have taken this up with Express Recovery and they refuse to follow FEDERAL LAWS. They continue reporting inaccuracies to the Credit Bureaus and have continued to damage my credit report. The thing that baffles me the most is the fact that this bill was take care of in the very beginning of XX/XX/XXXX. And it wasnt until XX/XX/XXXX that they decided to start reporting the collection to the Credit Bureaus for an unpaid debt. And continued to report on an unpaid debt that they didnt have in their procession.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation