Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX XXXX have lied for years to the credit bureaus, they never had validation of these two medical debts for years, not until XXXX XX/XX/XXXX, two months ago!, did they admit even halfway that they they Just now contacted their client and tried to say what they have now is illegal, and should be barred from reporting to the Credit bureaus. Never has validation been provided and the proof is herein. You all Better fix this quick or youre gon na get sued hard and deep. 

I have been victimized by fraud and am still being victimized by XXXX XXXX XXXX XXXX, a collection agency. 

XXXX XXXX XXXX, a collection agency located in XXXX, North Carolina has been attempting to collect two medical debts from me stemming back several years. 

XXXX XXXX XXXX  ( also known as XXXX  XXXX  ) is contracted by XXXX, XXXX XXXX, a local Physicians staffing company also located here in XXXX, N.C. 

XXXX, XXXX XXXX is contracted by XXXX XXXX, a local hospital also located here in XXXX, XXXX. 

XXXX XXXX  is a local hospital here in XXXX, N.C. that supposedly provided services to me back in XXXX at which time there were supposedly two different visits with one being {$85.00} and another approximately {$1000.00}. 

Over a year ago I noticed these two charges on my credit report and began disputing these two charges with Equifax, XXXX, and XXXX through this dispute process XXXX XXXX XXXX was included because they were the furnisher of information being provided to the credit bureaus for many years and claim to own the two accounts now which at one point were supposedly two medical debt collections and now are being called merely collections by XXXX. 

I learned throughout this process first that when a collection agency buys or takes control over debts they purchase or contract with, etc., is that they can tag those accounts now as simply collection accounts in most cases so that they deceive anyone reviewing my credit as a regular collection account and not a medical collection account so that it affects my credit score in the worse possible way and does not appear to someone reviewing my credit as a medical debt which is to be and usually is ignored in a credit review because medical collections are not treated or viewed the same with regards to one 's credibility. 

And so I began the process of disputing these collections and did not realize what I was getting myself into. Thus far, I have documented evidence, absolute proof of, and will demonstrate if needed to anyone that XXXX XXXX XXXX, in their collaboration with me regarding these two collection accounts have. 

Violated North Carolina state laws by sending me collection letters with threatening or coercing content and participated in deceptive behavior by threatening me with laws that do not exist to stop me from disputing these two medical debts. 
Violated HIPPA Federal Law by mailing a document that they claim is a statement of service provided to me during those two visits, which they received in XXXX XXXX of XXXX after months, and hours, pleading with them for validation of these two accounts - a statement that illegally included the doctors name that supposedly performed services on me during those visits. The document also included the services section clearly showing service of some sort that had been Xd out ( XXXX XXXX ) over the actual content. This entire document was in direct violation of HIPPA and they either fabricated it years later after multiple disputes or XXXX, XXXX, XXXX Or XXXX XXXX provided it to them. Naturally, they would be the source of the information so they are directly responsible for that data ever being in the hands of the collection agency. 

There are specific laws about what can be given to a contract collection agency and those laws were not followed at all as I was embarrassed to have received that from the mail from the collection agency. I was appalled that a collection agency would have my doctor 's name that worked for an entity contracted for XXXX XXXX. 
Violated Federal Law 15C by sending me collection letters with threatening or coercing content and participated in deceptive behavior by threatening me with laws that do not exist to stop me from disputing these two medical debts.

Either lied to all credit bureaus over the past few years or months when they responded to each dispute of validation filed with each credit bureau time and time again thus causing the credit bureaus to agree with them and discredit my dispute thus causing : My credit score to be dramatically low for years. 
Violating my rights to due process by not allowing me to dispute correctly, completely, accurately, and ly, and by eliminating the possible outcome of an amicable resolution by their false claims of validation when their account just received that information in XXXX, XXXX. 
Caused and still are causing severe health and mental problems with me for months dealing with these disputes, the threatening letter, and coercion with fear that Im going to get arrested for disputing what now is proven to be a pattern of deceptive trade practices at the highest levels with this company XXXX XXXX XXXX. 
This caused me to lose work, lost employment, XXXX, and XXXX, and not be able to focus on anything but the destruction this company XXXX XXXX XXXX XXXX has done to my credit and my quality of life. 
This caused me to lose financing, and embarrassment, even though I have a perfect credit history of credit reports from over 20 creditors and accounts on my credit report and not one single account has ever had a late payment. I have a stellar fico rating with XXXX, the highest achievement possible in credit reporting. 
Falsifiedinformationn to the federal government. Providing false and misleading information by responding to complaints via the Consumer Finance Protection Board, a federal entity engaged in monitoring and administering complaints about the Fair Credit Reporting Act and complaints between consumers and the credit bureaus, and complaints between consumers and creditors. 
I filed XXXX disputes against XXXX XXXX XXXX XXXX in various efforts to correct inaccurate or not validated information being reported to the credit bureaus and until XX/XX/XXXX, according to themselves, anything before this date would be bogus, deceptive, lies, cheating, criminal, and most of all appalling that Novant Hosptial and XXXX, XXXX XXXX had not supervised a contract HIPPA covered entities like this better to protect my rights and now my mental health with the XXXX  they have caused me over the lengthy time dealing with this. Every single complaint and dispute regarding the validation of these XXXX accounts has proven to be valid and this company should have been removed from my credit file years ago. 
Possibly all XXXX times, but several times have XXXX XXXX XXXX XXXX knowingly with intent after several disputes, perjure themselves and falsify documentation to the federal government via CFPB web portal. 
Failed to, after 30 days of my initial dispute of validation, removed themselves from my credit file but they lied, and knowingly did not possess validation documentation and every encounter with them since has been deceptive and illegal. 
Proven a track record of rogue deceptive behavior in their collections with these two accounts. 
This caused me to have hours, days, and months involved each day in dealing with, writing, responding to complaints and disputes, reading, and learning federal and state laws regarding collections agencies and the Fair Credit Reporting Act, and HIPPA regulations. 

XXXX XXXX XXXX has broken several state and federal laws and have Perjured itself multiple times since it began its efforts to collect these two medical debts from me stemming back several years as discussed above. I have proof of every claim and documentation. 

I have filed disputes with : a. CFPB ( Consumer Finance Protection Board ) b. FTC ( Federal Trade Commission ) c. The Attorney General 's office of North Carolina XXXX 
d. Equifax, XXXX, and XXXX credit agencies XXXX XXXX XXXX through the respective outlets listed. 

I have not received any helpful information from any of these parties but my statement of facts and proof of evidence was not submitted as I was still investigating these reports by XXXX XXXX XXXX XXXX. 

This report is being finalized and I will be submitting this to XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX for their input as to rectifying this series of events. I possibly will file this with public media outlets that are to be determined. I am going to extend to XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and Novant Hosptial the opportunity of rectifying what I have disclosed and if I am not satisfied with their response I will turn this over to a staff of attorneys, that specializes in Federal and State laws, HIPPA, and the Fair Credit Reporting Act that have shown great interest in these events. 
I would ask that all credit bureaus remove this bogus company from my credit files immediately. 
In recap, I have requested validation of these accounts multiple times from all credit bureaus and XXXX XXXX XXXX and you have all failed. 

XXXX, XXXX XXXX has received these complaints about XXXX XXXX XXXX XXXX, who originally owned these two medical debts and passed them on to XXXX XXXX XXXX XXXX, The collection agent for XXXX XXXX, XXXX, and have done nothing about it. 

Before receiving a letter ( attached from XXXX XXXX XXXX ) mailed to me and received by me in XXXX of XXXX. Nobody would listen to me. 

This letter mailed to me by XXXX shows that and proves that XXXX XXXX XXXX has never properly or honestly validated these medical debts with the credit bureaus after each dispute that I have filed with each credit bureau and shows gross negligence by each credit bureau that accepted XXXX XXXX XXXX validation of these medical debts during a period that no validation documentation existed and for failure to investigate my claims of validation multiple times. 

This letter attached shows by their own account, that they never had any validation documentation in their possession for these two accounts they have been reporting against me for years, until XXXX XXXX, AND, XXXX XXXX XXXX XXXX apparently and routinely broke the rules of engagement that they are required to abide by in contract with the credit bureaus ( Equifax, XXXX, and XXXX ), XXXX XXXX XXXX, knowing and maliciously, Failed to have the required validation documents for years and lied about it to the credit bureaus and me only recently in XXXX of XXXX admitted they then contacted their client XXXX XXXX, XXXX, and claimed they were told by XXXX XXXX, XXXX, that these two accounts were valid. 

This is hearsay and secondly they then at that point mailed me a statement in their description of a form that violated my HIPPA protection and federal law violations. 

Before XX/XX/XXXX, XXXX XXXX XXXX by their admission in that letter, indirectly admitted to just now ( XX/XX/XXXX ) contacted their client XXXX, XXXX XXXX, for their validation apparently, but before that, never maintained records of validation in their place of business, and this further proves that they perjured themselves to the credit bureaus time and time again when disputing my dispute of and in the request of validation. 

I have requested through disputes of validation of these two accounts from all three credit bureaus and XXXX  through disputes for 1. Honest and reliable validation supporting their even most basic right to collect these accounts against me, and to date have not received a proper response to the validation of these two accounts, and 1b. It has all been lies, deception, and possibly a conspiracy with the collection bureaus in their rebuttal to all of the disputes regarding validation of these two accounts, to me and the credit bureaus unless there is a conspiracy with the credit Bureaus and XXXX to continue to harm me for years even though no validation was ever-present in the first place, with the proof being by their admission in this letter, and 2. I, respectively, asked simply for Proof to these accounts were valid before I would pay them if they were determined to be valid, and 3. My rights have been destroyed by XXXX XXXX XXXX XXXX for never providing me the proper information for years and after pleading with them all to produce this validation requires by law, and 3b. For XXXX  in their providing of false and inaccurate data to the credit bureaus and me, directly violating my right to due process by not allowing me to engage in a valid collaboration of dispute with no possibility of an amicable or just resolution to the dispute, and 3c. For XXXX in falsifying their responses to the federal agency, CFPB, on their web platform that logs and administers complaints revolving around the fair credit reporting act, and 3d. And XXXX, XXXX XXXX, and XXXX  XXXX  should be found at fault for not supervising such events with a company they contract with ultimately allowing XXXX  to act as a rogue collection agency that operates with total disregard to federal and state laws, and 4. Knowingly knew about these complaints as they revived complaint copies of each dispute as they were filed, but never responded to, allowed an entirely to operate in affiliation with them, That not only violated many rules/laws under the fair credit reporting act, they 5. Violated HIPPA rules/laws when they gained and furnished to me through the US mail along with that letter in reference ( Attached ), what looks to be a form or what XXXX  called in that letter to me, and looks like a third grader prepared it in on their word processor, a document with the doctor 's names that performed services on me, which is illegal, they were only to provide to me the entity name of the original creditor, and 6. The document they sent to me even has the services section in clear view, but it was XXXXd out thank God!, But, 6a. Was A CLEAR AND PRECISE DOCUMENT WITH HIPPA VIOLATION WRITTEN ALL OVER IT!, 7. And so several years later we finally see their failed attempt to produce validation of these accounts because the pressure was getting hot to produce this validation because of my due diligence, and it gets even worse, 8. they made the worse and most careless mistake ever when they sent that letter and the enclosed statement that Violated my health information privacy rights protection. ( HIPPA ), and to make matters even worse, 9. They threatened me by referencing law that was in effect for me disputing their collection attempts and their reporting of me to the credit bureaus, and worse, attempted to coerce me by this referenced law that does not even exist, and 10. I an effort to shut myself up from disputing those two accounts because the big lies were coming to the surface I was and continue to be diligent in my investigations about my credit file being damaged for years by XXXX, and 11 And XXXX  were deceptive referencing a nonexisting law in their efforts to thwart me in my investigation endeavors and broke many many Laws, and federal rules, and 12. XXXX  has caused me to be sick the entire time. 

13. I asked anyone reading this, Why couldn't be honest and do the right thing?

14. To add continued anxiety they continue even today, to engage in this same behavior by still reporting these two accounts against me, with no apologies for their wrongdoing and with no concern to even me or my health but most importantly ; state and federal laws. 

Thank you for your time and assistance in this matter. I am Sincerely yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation