Consumer complaint received 2017-09-22
Company: Phoenix Financial Services LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent multiple letters to them and made phone calls requesting a validation of debt because I have known the debt was not mine. Through phone conversations with the collection agency they told me they were sorry for the confusion and the debt would be removed but it has n't after months. 

Collection agency : Email : XXXXXXXXXXXX Address : XXXX XXXX XXXX XXXX, IN XXXX Phone : ( XXXX ) XXXX I sent the following emails and then called to confirm that they had been recieved on these dates : XX/XX/XXXXand XX/XX/XXXX This is the letter I sent both times.

Name : Last 4 digits of SSN : Address : Below you will find a letter requesting a validation of Debt appearing on my credit report. You are only allowed to contact me by email and mail. 

To Whom It May Concern, I am sending this letter to you in response to erroneous errors I saw on my credit report. No one has been in contact with me about this debt. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for ; which includes the cover page and charges of services received and dates received Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent ; Provide a verification or copy of any judgment if applicable ; If your offices have reported invalidated information to any of the three major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or th3 company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 
Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. 

I also contact XXXX who failed to remove the unverified debt from my credit report XXXX Dispute number : XXXX Dispute number : XXXX Dispute number : XXXX Dispute number : XXXX I 'm very considered that this collection agency shows they ca n't verify my information but XXXX leaves it on my credit report. How can something be on my credit report that is unverifiable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation