Consumer complaint received 2018-01-23
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A collection company by the name of United Revenue Corp, has placed a collection account onto my credit files, a medical collection account that I do not owe. 
This collection company claims that they are collecting a debt for XXXX XXXX XXXX. 

On my credit files, this collection company has falsified information to make it seem as though this medical bill is a recent bill, when in actuality they finally admitted that they are collecting for a supposed medical bill that they claim that I incurred on XX/XX/XXXX, over 4 years ago. 

To begin with, this collection agency has placed falsified dates onto my credit files. They claim that the Date opened was XX/XX/XXXX, and first reported XX/XX/XXXX, and the Date of status is XX/XX/XXXX. 

They claim that I am past due {$630.00} as of XX/XX/XXXX, none of this is factual, and I want this fraudulent collection account immediately removed from all of my credit files. 

This collection agency did not provide any doctors name, nor did I ever receive any itemized statement from them. 
Nor have I ever spoken to, nor have I ever been contacted by anyone regarding this bill by telephone, mail or any other form of communication, as they are falsely claiming. 

United Revenue Corp. has never contacted me to verify this bill, prior to them placing this debt onto my credit files, they just placed this fraudulent debt onto my credit files without my knowledge. 

On XX/XX/XXXX, my mother called United Revenue Corp., and she spoke to someone named XXXX XXXX. 
This XXXX XXXX was coming up with dates that supposedly she had spoken to me regarding this bill, but none of XXXX XXXX claims were true, I have never been contacted by anyone regarding this fraudulent collection account. 

XXXX XXXX claims, that I did not have my medical information at the time that she had first contacted me, and that I had told her on more than one occasion that I would get the information and provide it to her, but I know that what this lady has stated is not true. 

During the time that I was covered under my mothers medical insurance coverage, I had a medical card that I carried with me at all times, and the medical card had all of the needed insurance billing information on it. 
So if I was seen at this facility, I know that I gave them the insurance information, I would not have been able to be seen without first showing them my proof of how they were going to be paid for the visit. 

I truly believe that this collection company is intentionally mixed up on their collection, they are trying to make it look as though it is my fault why supposedly there is an outstanding medical bill that is past due, if there really is one. 

I believe that the medical facility is trying to bill me for their oversight in not collecting on this bill, if it even ever was my bill. 

No one from this collection company has ever spoken to me regarding this bill, as stated, I was living in XXXX XXXX XXXX for part of XX/XX/XXXX, I returned to XXXX in XX/XX/XXXX. 

This bill is from 4 years ago, and during that time I was a university student, and I was fully covered under my mothers medical insurance. 
I was fully covered on that insurance from XX/XX/XXXX through XX/XX/XXXX, as the documented proof that I have enclosed, shows. 

The documentation shows that I was covered on my mothers insurance up until X/2014, and I was married that same year. I became eligible for insurance coverage under my spouses insurance that same year also. 
As stated, part of XXXX I was living in XXXX XXXX, due to the fact that my spouse is in the military, I returned to XXXX in XXXX. 

My mother contacted her insurance carrier on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, and she was informed that XXXX  XXXX XXXX had never sent in any claim for payment to them for that date of service, nor any other. 

I have already disputed this debt with the credit bureaus, but it appears that the collection company is providing the credit bureaus with false information in order to keep the debt on my credit files. 

This collection company is also changing the date of this supposed medical claim, if they told my mother this debt is from XX/XX/XXXX, why are they putting an updated status date of XX/XX/XXXX on my credit files for this fraudulent medical collection. 

The enclosed letter from United Revenue Corp, was recently sent to me by XXXX XXXX XXXX legal firm. 

This is the first and only documentation that United Revenue Corp has provided regarding this collection. They placed themselves onto my credit files without first notifying me of this medical bill, as stated I have previously disputed owing it with the credit bureaus. 

United Revenue Corp., claims that they were being threatened, they have not been threatened in any way. 
The attorney was clearly stating in her letter to United Revenue Corp., that I have rights concerning the fraudulent debt that they have placed onto my credit files, ruining my credit rating. 

But I feel that the response that United Revenue Corp., has provided back to Attorney XXXX XXXX, letter dated XX/XX/XXXX, with the copies of a law suit that United Revenue Corp. has  claimed that they have won against a plaintiff by the name of a XXXX XXXX, I consider this intimidating, and hostile. 

I feel that I should have every right to dispute false inaccurate information that has been placed on my credit files, without being bullied or intimidated. 

I have not retained any attorney regarding this matter as of yet.

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