Consumer complaint received 2019-06-07
Company: Medical Data Systems, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I contacted Medical Revenue Service.Formally known as ( Medical Data Systems ) and spoke with a Ms. XXXX at XXXX XXXX XXXX ext. XXXX. Ms XXXX addressed three ( 3 ) accounts : XXXX {$150.00} ( XXXX XXXX Hospital ). 
XXXX {$150.00} ( XXXX XXXX Hospital ). 
XXXX {$1600.00} ( XXXX Hospital ) I discussed with Ms. XXXX that I want to have this information to show XXXX balance on my credit report. 
Mr. XXXX advised that paying and clearing up the three ( 3 ) accounts today XX/XX/XXXX is early and would get my XXXX balance reported to the credit bureau this month by XX/XX/XXXX. I then settled the three ( 3 ) accounts totaling ( {$230.00} ) for both accounts XXXX and XXXX. Also {$1100.00} for XXXX. Ms. XXXX asked me to call back on XX/XX/XXXX to check and verify that the funds had cleared. I called on XX/XX/XXXX, spoke with Ms. XXXX. She advised that the system showed not clear. I made note that it was clear on my bank statement. 
On XX/XX/XXXX I called back. Spoke with Ms XXXX. She advised that they had my money, however the adjustments had not been made for the settlement. She asked that I call back on Friday XX/XX/XXXX. 
on XX/XX/XXXX I called back, no answer. I called back and spoke with another rep. who advised that my money was clear however no adjustment had been made. she advised that it will take up to thirty ( 30 ) days. She also advised that Ms. XXXX did not come in on this date, however Ms XXXX did leave a message that I would be calling. 
On XX/XX/XXXX, I called and spoke with Ms XXXX. 
I reminded her of our conversation on XX/XX/XXXX. She could not explain her contradictions and miss guidance. 
Ms. XXXX on this day referred me to her supervisor Ms XXXX XXXX XXXX ext. XXXX. I explained my situation. What I was told by Ms XXXX and what I wanted. 
XXXX balance on my credit report and XXXX balance documents for my accounts. 
Ms , XXXX instructed me to send my bank statement by fax showing where my money had cleared the bank. 
on this date I sent the information she requested faxed through The XXXX XXXX, time stamped at XXXX.XX/XX/XXXX. 
On this same day I called Ms XXXX. She did not answer, I left a message. About an hour later no returned call. I then called spoked to another rep. and asked for Ms XXXX 's supervisor. She was identified as Ms.XXXX XXXX XXXX, ext XXXX. Before I could call her supervisor, Ms XXXX called me. I advised her that the document she requested had been faxed to XXXX. 
Ms. XXXX advised that the Information was not enough for her to update in the system for adjustment. 
I then advised that I wanted to talk to her supervisor ( Ms XXXX XXXX ). Ms XXXX advised that Ms XXXX was not in. I was then put on the phone with Mr. XXXX. I explained my situation. Ms. XXXX asked a few questions, access the computer system and cleared everything up. Made the accounts XXXX balance. On XX/XX/XXXX, my XXXX balance document was placed in the mail. 
On XX/XX/XXXX, I called Medical Revenue Service XXXX XXXX and spoke with Ms. XXXX XXXX ext. XXXX, who was able to connect me with Ms. XXXX ext. XXXX. 
I advised that the owed amount had not been removed from my credit report. 
She advised that the account was closed on XX/XX/XXXX showing XXXX -XXXX- balance. Ms XXXX stated another 30 days. 
I disputed the information with XXXX at XXXX On XX/XX/XXXX, I attempted to make a large purchase. The finance rate came back very high. This caused suspicion of what could be on my credit report. 
This derogatory information on my report Is preventing me from getting the best loan interest rate for my business. 
I contacted XXXX on this same day. the three ( 3 ) accounts were still showing up as owed on my credit report. Six ( 6 ) months later. 
I then filed another dispute to XXXX on XX/XX/XXXX. I also Filed a complaint with Consumer Financial Protection Bureau on XX/XX/XXXX against Medical Revenue Service. 
On XX/XX/XXXX, this is Medical Revenue Service response : Dear XXXX XXXX, We are in receipt of your CFPB complaint. Pursuant to same, we are reviewing and investigating the circumstances of the complaint. Please be advised our company does not own the account ( s ) nor do we own the debt ( s ). We are a debt collector on behalf of the original creditor and are bound by contractual parameters regarding the collection of their delinquent debts. We have reached out to our client/original creditor and upon receipt of information from the creditor to assist in our investigation ; we will provide you with a complete response. Sincerely, XXXX XXXX CFO.This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 

Dear XXXX XXXX, This is in response to your CFPB complaint, dispute, and request for verification pursuant to the Fair Debt Collection Practices Act. Please be advised our company does not own the account nor do we own the debt. We are a debt collector on behalf of the original creditor and are bound by contractual parameters regarding the collection of their delinquent debts. When you contacted us to pay the balance, we advised that the credit bureaus would update that the account ( s ) had been resolved. MDS does not remove from the credit but is required by the FCRA to update accurately. Should you have any questions regarding this account, please feel free to contact us at the toll-free number ( XXXX ) XXXX. Sincerely, XXXX XXXX, Operations Manager. This communication is from a debt collector. This is not an attempt to collect a debt. Our hours of operation are XXXX to XXXX Monday through Friday EST On XX/XX/XXXX, I took it upon myself to send additional information certified mail to XXXX ie documents with the account number showing XXXX balance. I did get the returned green receipt stamped on XX/XX/XXXX by a Mr. XXXX XXXX of XXXX. 
Shortly after that I received unofficial notification that there was a change to my credit report. from XXXX XXXX. I never heard from XXXX until I called them. 
XXXX {$1600.00} ( XXXX Hospital ) had been removed. However the other two ( 2 ) accounts had not been removed. 
I contacted Medical Revenue Service XXXX I spoke with a Ms. XXXX ext XXXX. I asked to speak with a supervisor. I was transferred a Ms XXXX XXXX. I was denied her last name. 
I proceeded to explain to Ms. XXXX my concern and complaint. This led to nowhere. Conversation ended with Ms XXXX telling me that It took me two ( 2 ) years to pay my debt, and that I want the company to hurry up and clear my credit report, Ms. XXXX also stated that the reason my report has not been cleared is because I keep disputing the account. I ended with saying two ( 2 ) years behind has nothing to do with the company no doing their job and that they would be hearing from my attorney. Ms. XXXX stated ok, this is all being recorded. 
I hung up and then called back and asked for Ms XXXX 's supervisor. I was transferred to Ms XXXX ext.XXXX. No last name. I advised that I would be filing a complaint against Ms. XXXX and the company ( Medical Revenue Service ). I gave her my reasons she said ok and conversation was ended. 

When you submit a written dispute about the accuracy of an item on your report, credit bureaus and your creditors must take certain actions in response. Their duties include conducting a reasonable investigation of your dispute, correcting any inaccurate information, or even removing the disputed debt from your credit report. correct or delete any inaccurate, incomplete or unverifiable information within 30 days of the receiving notice of your dispute. 

submit corrected information to the CRA subsequent to investigating your dispute refrain from continuing to submit information that it knows ( or should know ) is incorrect If someone violates your rights under the FCRA, you have some remedies available. Those remedies might include actual damages, punitive damages, attorneys ' fees, and costs. 
When the debt collector states an untruth. If a debt collector lies to you, thats also a violation of the FDCPA. 

It is XX/XX/XXXX. On XX/XX/XXXX, It will be seven ( 7 ) months and counting of trying to have wrong and inaccurate information removed from my credit report. 
What ever the case, it can not be denied that this information after 6 month 's is still on my report after several attempts to have it removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation