Consumer complaint received 2017-07-10
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
RE : Compliant Against SCA Collections ; Co # XXXX XXXX In the first quarter of the New Year I began credit monitoring on my credit report due to fraudulent activity, during that time I saw a medical Bill reported on my credit report from SCA Collections , Inc. XXXX XXXX XXXX. XXXX XXXX, XXXX NC XXXX. I opened up a dispute with the 3 major credit bureaus and contacted an attorneys office for assistance with the fraudulent accounts. After a few months I received a new alert in XX/XX/XXXX that SCA Collections , Inc. had placed another MEDICAL COLLECTION on my account for the same amount as the collections I was and am disputing. <P/>My demand is that they remove both accounts for the following reasons : 1. The new account posted to my credit report in XX/XX/XXXX has an open date of XX/XX/XXXX which seems to be RE-AGING due to my open compliant for the initial bogus account. ( No other collections from SCA were on my credit report prior to my compliant against them in XX/XX/XXXX ). 2. The new account also seems to be SCA Collections PARKING debt on my credit report without allowing me to dispute the validity of the debt. There were no communications with me nor written statements of a debt that was owed in the amount of {$160.00} 3. How could SCA Collections validate the debt that is not accurate when the original creditor is no longer is business ( I presume from their business practices ). 4. I have attempted to contact SCA Collections with no response, they do not answer the phone. I also had an attorney ask them about what seemed to be RE-AGING my credit debt yet they have refused to respond ( see enclosure ). After no response from SCA Collections , Inc I could not go to the original creditor, XXXX XXXX XXXX for information because the y were no longer in business and could not respond. <P/>respond. I then sent messages and contacted XXXX XXXX XXXX XXXX XXXX who have been my medical insurance provider for the last 11 years. I was informed of the following. 1. The date of service was XX/XX/XXXXand the XX/XX/XXXX ( see enclosed ) and was paid late more than 3 months later by them. Per the information attached I demand that SCA Collections REMOVE THESE TWO ACCOUNTS from my credit report for the following reasons. 1. The information reported by a collections company must be accurate or REMOVED per the FCRA. The information provided by SCA Collections in not accurate per the documents attached they have reported that my Date of Delinquency on the account was and is the actual date of service per the attached documents. The DOFD ( date of first delinquency ) submitted by the original creditor can not be changed by SCA Collections. 2. SCA Collections , Inc. purposely PARKED the inaccurate collection debt on my credit report as retaliation for disputing the initial XX/XX/XXXX {$160.00} collection debt as inaccurate. 3. SCA Collections , Inc. did not provided ample time for me to respond to them that this was inaccurate and the proof that the insurance company provides proves this was and is inaccurate. 4. SCA Collections , Inc. has refused to respond to both verbal and written communication.

Company response to consumer: Closed with explanation