Consumer complaint received 2018-06-13
Company: Commonwealth Financial Systems, Inc.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
I have disputed these account entries with the credit bureaus and XXXX ( Coomonwealth and XXXX XXXX companies too ) alike. The entries are deleted and then added back without my being notified of the re-insertion from the bureaus as well as this company providing any substantiated documentation to support what they are erroneously reporting on my credit reports. This account should not even be reporting on my entry reflecting that the type of medical facility the alleged debt is associated with. This in and of itself is a violation of my consumer rights. 

This company has changed the account numbers as well for this same account ( ILLEGAL ). In my XX/XX/2017, credit report, this same account with the exact same amount reflected an account number of XXXX ( see attached ). Which is it? This proves further that this company is not being honest and abiding by the law. 
Per my credit report, these entries were opened with XXXX XXXX XXXX ( as reporting but they were truly with Commonwealth and XXXX but blatantly violating my rights with this reporting ) in XX/XX/2017 ; however, I never received any communication from this company that they were attempting to collect this alleged debt. I have never heard of this company nor have I ever did any business with them whereby a contract was signed. By not receiving a dunning letter, this is a direct violation of my rights. How am I to dispute the validity of an account if I am never notified. Had I not retrieved a copy of my credit report and noticed these inaccurate, unverifiable account entries, I would not have known they existed. 

Upon retrieving my report, I sent a certified letter with return receipt to XXXX ( as reflected and Commonwealth and XXXX ) requesting that they validate this debt. I received correspondence from yet another collection agency XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX whereby they attempted to respond to my dispute with them. XXXX XXXX XXXX provided a copy of documents that were created on their letterhead whereby they are arbitrarily stating the amount due for the XXXX account is {$780.00} and {$210.00} ; however, the entry on my credit report reflects {$710.00} ; yet another violation of HIPAA. How then are they saying they are verifying the account entries. THIS IS A LIE AND DECEITFUL!! 

Further, these collection companies have access to private information regarding the nature of the visit and exams and the facility ; where is the financial responsibility page that they should have whereby I granted permission/consent for XXXX XXXX to disclose this information? 

I requested a copy of all paperwork that was sent to me regarding this alleged account as well as a copy of any documents that bore my original signature. To date, to no avail. These companies have furnished NOTHING!! How then is this company reporting that these account entries are valid? I am aware that HIPAA allows for certain information to be shared with 3rd party collection agencies for the purpose of collecting a debt but NEVER does it allow them to disclose confidential information without written consent. These agencies do not have consent nor the paperwork to reflect the consent of this information and they are all negligent in their reporting this entry as well as in the information they sent. This company continues to blatantly violate my rights. 

I am requesting that this erroneous, inaccurate, unverifiable entry be DELETED from my credit reports IMMEDIATELY!

Company response to consumer: Closed with explanation