Consumer complaint received 2021-09-02
Company: Dynamic Recovery Solutions, LLC
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, PA XXXX MEDICAL DEBT COLLECTIONS DISPUTE BASED UPON STATE MANDATES ON CREDIT REPORTING DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. 

LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. 
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. 
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general. 
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 

DYNAMIC RECOVERY XXXX XXXX XXXX. 
XXXX, SC XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX Several states such as Texas and Oklahoma have recently passed state legislation on the reporting of medical debts. There are restrictions either dealing with the reporting of medical debts in general, or if a pre-determined good faith estimate was issued before services were performed or after emergency services. Accordingly, I live in such a state where my right are protected from aggressive medical debt collections and their longstanding abusive effects. Oklahoma SenatePasses Medical Collection Bill. The Oklahoma Senate has passed a bill that would prohibit healthcare providers from reporting unpaid debts to a credit reporting agency or placing them with a collection agency unless the patient was provided with a good faith estimate of the cost of the services prior to them being rendered. The bill, SB548, was approved in the state Senate by a vote of 38-9. It has now moved to the states House XXXX Representatives for its consideration. The bill was originally introduced by state XXXX XXXX XXXX, a XXXX. She is using the statistic that 50 % of personal bankruptcies are caused by medical debts and that patients should know before receiving treatment how much it is likely to cost so they are not hit with surprise medical bills afterwards. If you plan to report medical debt to a credit bureau, garnish wages or use the services of a collection agency against somebody who has received health care, then you are going to need to provide them a good-faith estimate of that care before that care is rendered, she said in a published report. In the event a patient is not able to be provided with a good faith estimate prior to being treated such as in the case of an emergency, the healthcare provider would not be allowed to charge more than 165 % of the Medicare rates for the services that are provided. Your agency must delete all references to medical debt collections effective immediately. 

DELETE THE AFOREMENTIONED MEDICAL DEBTS COLLECTION FROM ALL CREDIT BUREAUS!!! 

Thank you for your full consideration in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief