Consumer complaint received 2018-01-28
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
One XX/XX/XXXX I filed the following complaint with the XXXX XXXX XXXX XXXX On XX/XX/XXXX I sent by Certified mail ( see attached ) a individual letter for each account held by the company for the following amounts {$670.00}, {$1600.00}, {$930.00}, {$1300.00}, and, {$630.00} ( see attached ) asking for validation of debt. This is five separate accounts they are reporting and alleging I owe. According to the USPS tracking, XXXX XXXX XXXX ( " XXXX '' ) received the letters, which were sent all in one envelope. As of the date of this complaint, XX/XX/XXXX, they have not validated the debt. They do not list the date of debt on any of the credit reporting agencies and I do not have a method validating any of the debt as mine. I asked for validation within 30 days. I have provided XXXX extra time given the holiday break with XXXX and XXXX XXXX. I attached 1 through six attachments. 

As a result, this was XXXX XXXX XXXX ( XXXX ) answer : We have reviewed our records in this matter, and find the following. XXXX XXXX XXXX XXXX moved from the address the consumer sent the validation request to in XX/XX/XXXX. Our address has been updated with each of the credit bureaus, however, several credit monitoring services, such as XXXX XXXX have not updated their records. Due to the fact that the request was sent to an incorrect address, we did not receive it, or have an opportunity to respond to it. The consumer also mentions that the date of the debt ( s ) is not available, which also leads us to believe the consumer is obtaining her information from a third party, rather than the bureaus directly. Our office routinely provides each of the credit bureaus with the date the account was listed with our office, and the delinquency date of the account. Prior to the receipt of this complaint, we have received no correspondence from the consumer either directly or indirectly. We also have not been informed of any disputes filed directly with the credit bureaus. We have reviewed the accounts with our client, and have verified that the information being reported is accurate. We have flagged the accounts to be reported as in dispute. We have requested that validation be sent to the consumer at the address provided in this complaint. As required, the validation will include the name of the original creditor ( s ), the dates of service in question, and the current balance of the accounts. 
I stated the following resolution would be acceptable. 
1 ) The account to be closed and collections to be stopped immediately. 
2 ) Collections to be ceased now and in the future 3 ) Collections be removed from being reported all credit reporting agencies. 

XXXX stated uncorrect facts. I only use XXXX   and XXXX. ( See attached # 7 for XXXX ) You can see from directly from my credit report the address directly from XXXX credit report the address is the address is what was the address that the certified letter was sent to and the accepted. 

The ONLY accepted resolution will now be the original resolution at this point. They have not updated any addresses to the credit reporting address, if they have moved to the CRAs. They have in their response attempted to deceive the CPFB and me as a consumer. 

XXXX has attempted to deceive the consumer and CPFB by not giving the correct information to validate the debt. 

Please note I have removed a lot of my sensitive information and non-relative information from my credit report. Items not pertaining to this complaint. 

I will also be sending this information over to the CRAs and my attorney. 

The name my accounts are under is in the attachments as it in my maiden name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation