Consumer complaint received 2021-04-09
Company: TRANSWORLD SYSTEMS INC
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX oXXXX XXXX I was in a severe motor vehicle accident, and spent 5 days in the trauma unit of XXXX XXXX XXXX XXXXXXXX Hospital. I was insured by XXXX XXXX XXXX at the time, and they initially denied coverage for some of the XXXX medical bills. I appealed that denial, and was successful in my appeal. During the lengthy appeal process, several bills were sent to Transworld Systems Inc. ( TSI ) by XXXX for collections. I informed TSI that they were disputed medical bills, and that I was appealing their status with my insurance company. I had also communicated the dispute to the XXXX XXXX XXXX XXXX Hospital billing department long before they sent the bills to TSI for collections, and I made TSI aware of that fact. I continued to inform TSI that the appeal was ongoing, and yet TSI reported them as delinquencies to the credit bureaus in what I feel is a violation of 15 USC 1692e ( 8 ).

TSI is continuing to report inaccurate negative information on me to the XXXX XXXX and XXXX credit reporting bureaus. I have attempted several times to resolve this issue with TSI via phone and fax, but have been unsuccessful. I have also contacted XXXX XXXX XXXX billing, who has informed me that only TSI can address my issue. I have documentation of my communications with TSI and XXXX if that is useful to you. I have also filed disputes with each of the three credit bureaus, only one of which ( XXXX ) has removed the negative reporting. 
The items being reported are shown as account on my credit reports. The items are four medical bills place with TSI by the XXXX XXXX XXXX XXXX Hospital Medical Group between the service dates of XXXX XXXX 2016 and XXXX XXXX. 2016. 
It is also worth noting that I paid the bills out of pocket while the appeal process with my insurance company proceeded. I mentioned this to one of TSIs representatives on the phone, who then indicated that by paying the bill I was myself implying that the bill was legitimate, which I feel was a false representation subject to 15 USC 1692e ( 2 ) ( A ). My credit reports do show the items as paid, but that does not remove the negative reporting of collections. 
Presuming I can upload a file with this request, I am providing supporting documentation of the illegitimacy of the disputed items. This documentation includes a communication from XXXX XXXX XXXX indicating that my dispute had been resolved in my favor. An Explanation of Benefits ( EOB ) is included which details the charges for the period of the dispute, of which some are the subject of the false delinquencies being reported by TSI to the present. This EOB show that some bills were initially rejected, and then paid after the dispute resolution. 
Because the bills which were sent to TSI we the responsibility of XXXX, and XXXX has confirmed that, I feel that it is wrong for these items to adversely affect my credit rating.

Company response to consumer: Closed with explanation