Consumer complaint received 2019-05-13
Company: Nevada Credico, Inc.
State: NV
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:
On about XX/XX/XXXX Quantum Collections posted a collection with the credit bureaus, on XX/XX/XXXX, I contacted them to request a debt validation thru certified mail no : XXXX XXXX XXXX XXXX XXXX that they received and signed XX/XX/XXXX. 
On XX/XX/XXXX I received bill showing partial payments with the co-payment I paid at the office on XX/XX/XXXX {$50.00}, Insurance payment on {$150.00}, Insurance write-off {$1400.00} due to an agreement between XXXX XXXX XXXX and the insurance company but doesnt show the payment I made on XX/XX/XXXX for {$20.00} on the day of the service. The bill provided by Quantum clearly shows that I had already satisfied this account even when XXXX XXXX XXXX is not reporting the {$20.00} payment they received from me on the day of service. 
So, as per the bill provided by Quantum, this account was paid in full by XX/XX/XXXX before XX/XX/XXXX when Quantum acquired the bill as you can see by the record provided by Quantum Collections. 
I had provided Quantum Collections with bank statements showing payments made to XXXX XXXX XXXX on XX/XX/XXXX on my XX/XX/XXXX bank statement page 3 for {$20.00} and XX/XX/XXXX bank statement page 1 showing two payments made to XXXX XXXX XXXX for the amounts of {$30.00} and {$20.00} by certified mail no : XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX followed with a regular mail as well , delivered by USPS on XX/XX/XXXX. 
Some one has the record wrong but clearly that is not me, I had provided to XXXX  and Quantum Collections with physical proof, copy of the bank statements showing payments made by me and I provided them with copy of insurance settlement. 
If we went fallow Quantum Collections bill statements, them that would show that I overpaid, and that XXXX XXXX XXXX owe me {$20.00} and that is by the statement provided to me by Quantum   Collections. 
So, I dont understand where is that XXXX  find that this account was verify, XXXX dont want to provide the time require to truthfully investigate the truth and choose to continue reporting inaccurate information. 
XXXX  is the worst out of the three bureaus, because they lie about having verified my dispute, but how can that be, when I had provide XXXX  over and over with the proof that this account was paid in full or they must hired people that cant read, I had contacted XXXX, XXXX  with the same facts and they have corrected my report. 
Quantum Collections also had chosen to ignore the truth and had not responded to my last letter on XX/XX/XXXX, as today they continue to report this account knowing that this account was paid in full already and they know this because I provided them with proof and their own bill statements would support my case. 
On XX/XX/XXXX I contacted them again and requested they clear my name with XXXX, course no responses again. 
Their careless attitude and gross negligence in failing to report the truth had cost me money and aggravations. 
Many American consumers are victimized by collections agencies like Quantum Collections and XXXX who ignored the truth for their conveniences. These conducts also cost the American consumers billions in higher interest rates. 
I dont understand why the government dont act against company who choose to ignore the law for their conveniences. 
The Consumer Financial Protection Bureau is aware of XXXX   attitude in refusing to correct inaccuracy in consumers files, I read many other complaints filed by other consumers for the same reason, believe me that something must be wrong with XXXX  way of reporting, this company cant be trust it with American consumers persona information when they are refusing to see the truth. Is very frustrating as a consumer to fight this big company, because your life is on the hands of Company like XXXX. 
I understand that Quantum Collections had purchased the useless bill and they want to recover their money from anyone at any cost but when they refuse to see the truth there are hurting American families. 

Quantum should go after XXXX XXXX XXXX for selling them a useless collection account and for not providing them with the facts.

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