Consumer complaint received 2017-10-02
Company: Receivable Recovery Services, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Not verified, not liable,, no legal contract, not mine. I received a copy of my credit report XXXX XXXX at that point I saw a collection account from the Company Receivable Recovery Service, I sent out a letter in regards to this debt asking for verification and validation of this debt to the company .I never received a return response from the company via mail in regards to the letter I sent after 30 days. I sent another letter, still no response, But I did start receive ugly phone calls of harassment and threats early morning and night calls .I tried to explain that I had no clue of this debt and that this was not my account .The caller was very rude with a nasty attitude to the point I asked them to stop calling me because .I also sent out letters to the bureaus asking them for verification from Company. I never received the verification information, but I did see where on my report it was updated as verified .How can they verified something I did n't do .I HAVE HEALTH INSURANCE AND HAVE HAD INSURANCE ALL OF MY LIFE therefore it is no reason for me to owe a medical debt besides I never went to the hospital or was sick for any reason that 's why I requested verification when I say a medical charge. .Last month I decided to send off a letter asking for that verification again to the Credit bureaus soon after I received a letter from Receivable Recovery Services for the first time ever stating they mailed me papers back in XXXX of XXXX which I never received and they told me that my limitation for verification had expired at the end of XXXX XXXX .I HAD NO KNOWLEDGE OF THIS ACCOUNT AT ALL..How can my time expire about something I have no knowledge of. I had  no clue about this debt until XXXX and I Immediately disputed this, Also after being denied verification from the company in the letter I received, I was threaten that if I continue to send letters asking for verification That I would be forcing and demanding to take other actions against me .They also stated they had taking care the issue with me .How can you take care of the issue with a person, when that person really have no knowledge of this debit because it do n't belong to them and your trying to threaten and bully them to allow you to report something that 's not yours .They have no interest in doing the right thing .They only want to collect money and damage my consumer report .They did n't satisfy this with me all they 've done was harass, threaten and bully me .They need to remove this account because its not mine, It was n't authorized by me, I Never signed a contract and they ca n't verify it.t I did n't even know this existed .I am very upset .This is wrong .A company just putting negative accounts on your report and you 've begged for verification because this is n't your debt, therefore it should n't be reporting on your credit report. This Company placed negative information on my report that affected my score negatively and now I 'm being threaten .THIS ISNT MY DEBT .Dealing with this company has been a nightmare.

Company response to consumer: Closed with explanation