Consumer complaint received 2018-07-31
Company: The Outsource Group, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XXXX, I was initially on a plan with the hospital for care I received, I called and added two other accounts which did not occur. One plan broke because they placed it separate and it was sent to XXXX. Approximately XXXX I kept calling and it took forever to send the debt to XXXX. I called multiple times between then and XXXX of XXXX and it had not been received. I called in XXXX and they finally had all three of my accounts along with my husbands. The young woman advised me if I paid the balance in full on a repayment plan then I would not be reported to the credit reporting agency. I set up the plan in XXXX of XXXX and to date, I have never missed a payment, they have deducted {$150.00} payment from my checking account every month. I lost my job on XX/XX/XXXX of XXXX. I called them around mid XXXX to ask if there was a relief program, I will receive unemployment and I am calling all of my debtors to see which ones offer relief programs. The woman that I was speaking to mentioned to me that the accounts I was calling about that payments were received, however they were in a dispute status. I told her that I don't know if the young lady that I spoke to over two years ago placed them in that status so that they would not report to the credit reporting agency since I was paying off the balances, and they should not have been in collections in the first place. The hospital refused to remove the accounts, so I requested that they all be in one location so that I may pay on them. She wanted to argue about it, and then told me well I can delete the plan and set you up on a new one making smaller payments for approximately three months. I had a feeling the way this woman was talking that the representative that I spoke with was no longer there and she wanted to delete my plan so she could get the credit for the payments that was being made, and she was about to mess up the previous agreement that I had going on for years. I was never reported to the credit reporting agency, and I hold a Mortgage Loan Originator License, and with me looking for a job, I can not have items on my credit especially when I am sticking to the agreement. I told that woman not to change anything and I will call someone else. All of a sudden they have reported this to the credit reporting agencies and my credit score has fallen over 44 points. I want the items removed, and they should only be placed on my credit report if I miss a payment. On Saturday XX/XX/XXXX I spoke with a supervisor XXXX XXXX at the XXXX office in XXXX, NC. And she stated if you make a repayment plan prior to us reporting you then yes we are not supposed to place this on your credit. I faxed her my credit report, and the frequent updates to reflect that XXXX was never on my credit report, the only information that I received is that she received my fax. I need these items to be removed quickly because both XXXX and XXXX hospital in XXXX are making errors on billing accounts leaving clients to suffer.

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