Consumer complaint received 2018-05-22
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, My name is XXXX XXXX. I am writing this complaint because I feel I am being harassed and victimized by a collection agency named Financial Credit Network. I say this because I have been dealing with this collection agency for a few months now and have complied and provided them with all of their requests up to this point. I have proven to them that I am not the person they are attempting to collect from and yet they still keep coming after me. I don't know what else to do. If this complaint does not work, then I will have to sue them. I don't mind suing them, and I know for a fact I will win, but I would rather not waste the time for something they can simply fix if they chose to do so. 

Financial Credit Network is attempting to collect an account for a supposed hospital visit on XX/XX/XXXX. They claim that I was the patient and they are reporting it on my credit report. I am making this declaration to you now. I WAS NEVER in whatever hospital they are claiming I was a patient at during the time of XX/XX/XXXX. I have told Financial Credit Network the same thing and have explained to them that I have lived in XXXX my whole life. I did not even come to the United States until XX/XX/XXXX. Obviously they didn't believe me so I have gone to great lengths to prove to them I was not in the United States at the time they claim medical services were rendered to me.

At Financial Credit Network 's request I have provided them with many documents to prove I was not rendered services. I provided a letter of enrollment to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX between the dates of XX/XX/XXXX to XX/XX/XXXX. That alone should prove that I was in XXXX during those times studying. I didn't stop there however. I also provided them with my airfare ticket which will show I flew from XXXX, XXXX, to XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX. That is the day I left my home to migrate to the United States. I also provided them my XXXX bus ticket from the XXXX XXXX XXXX XXXX XXXX, XXXX, to XXXX XXXX, XXXX on the XX/XX/XXXX which was when I actually crossed XXXX XXXX. After a few days, I applied for a Medical card and I received it on XX/XX/XXXX. Financial Credit Network was provided that as well. Even after all this proof they still are claiming that I am the patient. 

Once I proved Financial Credit Network with all this proof, I demanded that they delete this account from my credit report and stop collecting it. Instead, Financial Credit Network sent me a letter saying that they wanted proof that I wasn't at XXXX XXXX XXXX XXXX on that day and a police report. The examples they included were a time card from my employer, and a driver 's license/identification card. I'm sorry, but I came to the United States for the opportunity to make a better life for myself. I even did it legally. I did not come here to be harassed, swindled, or taken advantage of by debt collectors. I pay ALL of my bills on time. Until Financial Credit Network placed this account on my credit report, my credit was in the high 700 's. I am not going to attempt to prove a negative with documents that don't even exist. To provide a time card from work showing I was employed during XX/XX/XXXX, they would have to assume I was working. I already provided them with documents showing I was a student during XX/XX/XXXX. Also, I don't have a Driver 's license/ identification card to provide for XX/XX/XXXX because I WASN'T IN THE UNITED STATES during that time! And as far as filing a police report for 1 medical account, it seems like they are just trying to make me work further to do their job. They have been provided ample evidence that I was not in the United States, and have been provided a demand to stop collecting and reporting this debt, and they don't care. Instead, they claim, " Our office is only able to conduct a thorough investigation with the information we are requesting. '' If I don't provide documents that don't exist and don't file a police report on an account they have plenty of proof that I wasn't even in the United States for, they will keep this on my credit report? Is that even legal? Not only that, but according to their letter to me, " The credit bureaus have been notified of your dispute and will reflect as an unresolved dispute. '' Is that also legal? I'm not sure why they are treating me this way or what Financial Credit Network 's line of reasoning behind why they are keeping this account on my credit report is, but this is the last straw. Either they delete this account immediately, or I file a lawsuit in small claims.

Company response to consumer: Closed with explanation