Consumer complaint received 2021-06-22
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
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:
Account Resolution Services is attempting to collect a debt that does not belong to me. Account Resolution Services is reporting a delinquent medical collection account to XXXX, XXXX  and XXXX. I am not claiming this is fraud, so please don't suggest I file a police report or identity theft affidavit. I have requested adequate, sufficient validation of this alleged debt from Account Resolution Services on multiple occasions. While they have replied to my requests by mail, they have yet to provide me with legal, sufficient proof that this alleged debt belongs to me and that I am legally obligated to pay them for this alleged debt. Their incorrect representation of this alleged debt and delinquent account is hurting my credit score and I need this removed immediately. My first request for validation of this alleged debt was sent via XXXX mail on XX/XX/2021. They responded on XX/XX/2021 ( Beyond 30 days ) by mail with a very vague letter that contained little information other than a service date, an account number and what appears to be the name of a medical establishment. Most of the information I requested in my Debt Validation Request sent out on XX/XX/2021 was ignored and not included in their response. ( See my attached letter ) I went ahead and sent them a follow up Request For Debt Validation letter via USPS Certified mail on XX/XX/2021. I have included the receipt for this as well as the contents of my letter. They responded on XX/XX/2021 with the same letter that they originally sent out, again ignoring all requests for the information that I need to adequately validate and identify this debt. I have also attached this letter. I have yet to receive any form of SUFFICIENT validation of this alleged debt. This is the second complaint I have initiated with the Consumer Financial Protection Bureau and I am requesting legal action to terminate this account immediately and have it deleted from all major credit bureaus. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt ARS claims that I owe. I have given them plenty of opportunity to remedy the situation, and feel I've been more than fair. Since ARS is still reporting this account on my credit report, they are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from them by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from them within 15 days. ARS should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure their legal staff will agree that non-compliance with this request could put their company in serious legal trouble with the FTC and other state or federal agencies.

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