Consumer complaint received 2019-12-04
Company: BC SERVICES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ), to report a Colorado business that is violating Federal and State Laws. The company is BC Services Inc, they are located at XXXX XXXX XXXX, XXXX, CO XXXX. They are in violation of Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). This complaint is not only to have the CFPB investigate my complaint, but to further investigate BC Services on behalf of all Colorado residents who have been victims of their unlawful business practices. 

Here are main facts of my complaint in order of occurrence : 1. On XX/XX/XXXX, I received a letter from XXXX, XXXX XXXX XXXX, XXXX, TX XXXX. This letter was to inform me that 1 potentially negative item ( s ) were added to my credit report. ( Exhibit A ) 2. On XX/XX/XXXX, I accessed my credit report online per instructions in the letter ( item 1 ) at XXXX ( Exhibit B ). This credit report contained 1 potentially negative item, a Collection Account, the details of the item are : a. Account Name : BC Services b. Account Number : XXXX  c. Recent balance : {$1500.00} as of XX/XX/XXXX d. Date opened : XX/XX/XXXX 3. I was in shocked at this Collection Account, as I have never done business with nor spoken to any representatives of this company BC Services. Nor was I ever notified ( to this date ) that BC Services placed a Collection Account on my credit report. This is in violation of the FDCPA and the FCRA. 
4. On XX/XX/XXXX, Per item 3, I sent a letter to BC Services, Certified with Return Receipt, notifying them that they are in violation of the FDCPA and the FCRA ( Exhibit C ). The letter specifically contained these statements : a. Since I am disputing this debt, until it is validated, your information concerning this debt is considered inaccurate, and if you have already reported this debt to any credit reporting agency or credit bureau then you must immediately inform them of my dispute b. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. 
5. On XX/XX/XXXX, the date of me filing this complaint, I again checked my credit report and confirmed that the Collection Account from BC Services remains on my credit report with an additional month reported. 

In Conclusion, As we know, our Credit Scores affect multiple critical aspects of our lives as credit scores are used for many important life necessities, such as : Access to credit to purchase a house or a car, auto insurance premiums, employment opportunities in most states. This list goes on and on. 

By allowing this company, BC Services, to continue their unlawful business practices, we are hurting all Coloradans due to the negative impacts that their practices have on our states Rules of Law. If you do a simple internet search with BC Services XXXX CO you will see page after page of complaints of wrong doing from other Colorado residents. 

I request that CFPB investigate BC Services and stop this company from committing crimes in our state. I believe the right thing to do is revoke their license to do business in the State of Colorado. 

Sincerely, XXXX Exhibits to be provided upon request.

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