Consumer complaint received 2021-07-07
Company: Vericred Solutions LLC
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a debt on my credit report from XXXX for {$1200.00}, it said the original debt came from XXXX XXXX XXXX. I called the debt collector and told them that I had insurance at the time and they told me I would have to call XXXX  XXXX XXXX, which I did, XXXX  XXXX XXXX said that they were able to verify that I had XXXX insurance at the time of the visit and I provided my insurance information at the time of the visit. XXXX  XXXX XXXX stated that they would try to run it back through insurance, but since the charge was so old, they didnt believe that XXXX would pay. They said even if XXXX did not pay they would take responsibility for the charge because it was faulty on their end by not running it through insurance on time the way they were supposed to. XXXX XXXX XXXX promised me this charge would be off for good. They promised me that it would come off my credit report in 30 days over and over again. I did see the charge come off XXXX XXXX and XXXX  and XXXX. About a week later the charge was back on my account by a different debt collector named XXXX.I called XXXX to complain that this charge was not valid and that it was taken care of with XXXX XXXX XXXX. They were extremely rude to me and were saying things like what you dont think, youre not responsible for your medical bills, you think you dont have to pay what you owe. I try to explain to them that XXXX  XXXX XXXX told me that my debt was about to be sold around the same day that I called to clear it up and I think that something happened where some information got transferred before it was deleted out of the computer. I told them that it was taken off XXXX  and XXXX  but just stuck on XXXX XXXX. They told me I would have to call back to XXXX XXXX XXXX and get proof. I called back to XXXX XXXX XXXX to get proof but they have absolutely no record that that charge ever existed in history. They have absolutely no record of the account number at all anymore. I also called back to XXXX to see if they had some kind of proof that it XXXX XXXX XXXX had canceled the charge but nobody has any proof of anything. I have disputed this issue on XXXX XXXX, on XXXX XXXX and with the debt collector. I have disputed this charge at least 3, 4 or five times and only most recently received a letter in the mail stating that my dispute was denied one time. All of the other times I disputed the charge I never received any notification if or why it was denied or approved. The last time I disputed it, I told them that I had disputed it in the past several times and never received a letter or an email saying if it was approved or denied or why. The last time I disputed it they finally sent me a letter saying it was denied but none of the previous times before. I go around in circles every day calling around trying to figure out how to remove this charge because its only stuck on XXXX XXXX. My bank uses XXXX XXXX and so I am unable to get a loan or an unsecured credit card or buy a car or buy a house because this charge that I do not owe is stuck on XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation