Consumer complaint received 2023-05-02
Company: Phoenix Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I. { PFS } reported to the Credit Bureau, XXXX a derogatory item of medical debt on my credit report before the date of the validation letter dated XX/XX/XXXX. XXXX has reported that { PFS } submitted the derogatory item on XX/XX/XXXX, irregardless of any time to determine if mailing was undeliverable. Upon further review on XX/XX/XXXX, I obtained a periodic copy of my credit report through { XXXX }, a credit reporting and scoring company the noticed the debt placed for collection on XX/XX/XXXX. Also noted in the COMMENTS section, is a false, deceptive, and a misleading representation, where { PFS } placed a designation that ACCOUNT INFORMATION DISPUTED BY CONSUMER, and which I could not had been on record of disputing any issues or items, when a validation letter was not even noticed or mailed before XX/XX/XXXX. 
II. { PFS } is attempting to collect a debt where it, or the current creditor is not assigned or expressly authorized by the agreement creating the debt, and offered no proof that they have the legal right to collect the alledged debt, during the period beginning XX/XX/XXXX. Current billing records obtained from XXXX, a contracted provider of { XXXX } to store patients medical and billing records, requested by me on XX/XX/XXXX, provides that { PFS } or { PCPLLC } has not supported they can legally collect the alleged debt, and has refused to offer any proof when requested multiple times. 
III. { PFS } is attempting to collect a debt where it used false, misleading statements and instructions in there XX/XX/XXXXXXXX  validation letter, implying that I would receive an accurate verification of debt ; by the furnishing of proffered documents and records, before negative information was provided to credit bureaus. They have unreasonably refused to verify accuracy of the debt. 
IV. { PFS } is attempting to collect a debt where it is clear there has been a billing error. I was not notified of the alledged debt until on or after XX/XX/XXXX at the earliest, where { PFS } in its validation letter dated XX/XX/XXXX, is using a different billing address used by the original creditor and the current creditor. Evidenced by the copy of { XXXX } alleged original billing statement requested by me from XXXX on XX/XX/XXXX ( invoice date XX/XX/XXXX ), and the { PCPLLC } verification letter dated XX/XX/XXXX, both use the same unknown billing address. The alledged original billing record from the XX/XX/XXXX billing period, includes a now due date of XX/XX/XXXX ( invoice date XX/XX/XXXX ) .This copy indicates that there is no payment due. If the alledged debt is determined owed by me, the reporting to any of the three major credit bureaus should not commence until a required wait period from the time I was first notified that the medical bill had become delinquent. 
V. { PFS } is attempting to collect a debt where it has not provided a copy of a contract or other document evidencing an agreement of debtor.

Company response to consumer: Closed with explanation