Consumer complaint received 2022-03-21
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Received a collections letter in XXXX from Credit Bureau Systems , Inc. located in XXXX, KY Called on XX/XX/XXXX and spoke with a representative who stated to outline everything in an email with a deadline of XX/XX/XXXX. I sent an email to XXXX on XX/XX/XXXX, outlining all the payments I had made in XXXX of statements I had received, whatever outstanding claims needed to go back and reran through BOTH of my insurance policies ( copies of medical ins cards were also sent ), and asked for an itemized outline of all charges, what insurance has paid, and what I have paid. I was very near my deductible for the year due to several health issues including XXXX XXXXXXXX, what I had already paid out of pocket, XXXX XXXX XXXX XXXX XXXX XXXX that found XXXX, had one XXXX XXXX, then I contracted XXXX  XXXX that left me in the XXXX  for over 2 months ( primarily in XXXX ) on XXXX XXXX ( XXXX, XXXX  ( XXXX ), XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). I was in XXXX different XXXX. After being discharged from having XXXX, I had XXXX XXXX XXXX, was XXXX XXXX, and required 24/7 care and XXXX XXXX visits for nearly 3 months. I heard nothing back from Credit Bureau Systems and assumed everything was taken care of - no further correspondence or phone calls.Found differently when I went to purchase a new truck and my credit score had dropped XXXX points in one month ( was XXXX and dropped to XXXX ). This is the point I lost money since my credit score was so low, I had to pay a higher interest rate with XXXX XXXX ( XXXX XXXX  ) on the loan on a new truck. I once again contacted XXXX credit company - XXXX lied to me and stated XXXX wouldn't be able to find these items ( but XXXX supervisor did ). She refused to provide the items I had requested in XXXX- said they were already sent- but I didn't receive anything. She told me to contact my ins co and ask why they hadn't paid. She refused to withdraw the reports on my credit to allow everything to be reviewed of what was charged as I had requested in XXXX, then paid by ins and personally, then pay XXXX XXXX XXXX, XXXX, MO, what is due, if anything. I was able to contact a supervisor at XXXX who found that these charges were incorrectly assigned to my personal credit account - should have gone to the ins co. and ins processing them as of XX/XX/XXXX. These items are still on my credit report. Ive requested all statements and payments from XXXX as well. Interestingly, what is noted on my credit report is different than what XXXX sent to me in a statement. XXXX also sent duplicates of charges and other charges were never received- so I have had to go through their statements and look for errors, of which I found many. Need consistency and to allow to research all charges and payments. I don't have an issue paying what I owe. I did go through a lot of unexpected health issues ( was healthy a year ago ) in XXXX, had two medical insurance policies, and did in good faith try to get all accounts paid in a timely manner before I got so sick with XXXX  and then after being released even with having great difficulty functioning for a considerable amount of time but still continued to review and pay medical claims that were sent to me. I am still not working FT at the business I own due to my illnesses and had to sell another one that I had for 19 years because of my physical abilities in recovery.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation