Consumer complaint received 2022-01-11
Company: AR Resources, Inc.
State: CA
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:
Good afternoon, I noticed 2 collections accounts on my credit file ( XXXX ) . These are completely incorrect and i have tried my absolute best to have them removed for the past 1 year to no avail!! The 2  collections show for debt collection agency XXXX  resources. These are for 2 medical bills from when I lived in Florida in 2020. The main reason of my complaint is that I was receiving Medicaid ( Hospital charity ) at the time of both these ER room visits, and the hospital assured me that both m hospital visits would be fully paid as i was receiving hospital charity ( Medicaid ) at the time. 

Due to the incompetence of XXXX  XXXX XXXX, XXXX XXXX, Florida, THEY made an error and did not pay my physicians medical bill and ( without sending me any notifications of bill ) they forwarded my file to a collection agency called XXXX  resources in XXXX. This resulted in me having 2  collection accounts added to my credit file ( through no fault of my own! ) I have tried continuously every week for the past 7 months trying to remove these 2 incorrect collections/derogatory marks on my credit file. I have called XXXX XXXX XXXX nearly every day since 7 months ago and they say : " we apologize we overlooked that you were receiving Medicaid " We should have paid it at the time, but our billing team missed this. As a result, my 2 hospital visits were not paid and was forwarded as a collection to AR resources ( a debt collection agency in Pennsylvania ). 

I also called AR resources ( Address : XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX ) i have called them close to 200 times the past 7 months and sent them letters with a letter from Medicaid Florida confirming that i was receiving hospital charity and bill should have been cleared. 

AR resources respond saying they can not remove from my credit file as it has already got to collection level ( even though it's the hospitals incompetence and fault as they did not mark the visits paid!! ) Every time i call the hospital or AR resources collection agency they yell at me and say they refuse to remove this incorrect collection and fix their mistake!!!

I have done everything i can, i have called the billing department at the hospital in Florida, the collection agency AR resources over 200 times and i have gotten nowhere in 7 months. They swear at me on the phone ( they are very rude staff ) and hang up the phone on me.

I also tried disputing these 2 collections/derogatory marks on my credit file with XXXX, but they results OF MY 4 DISPUTES RE THESE COLLECTIONS keeps coming back from them as " verified not able to remove ''. Subsequently XXXX have not removed these 2 collections from my credit file even though i provided them with the letter from the hospital confirming i got Medicaid at the time of these hospital visits!!! I disputed 4 times each time they say they will not remove it. I want to complain about XXXX as i do not believe they are looking into my collections correctly ( especially as i provided them with the letter evidence showing i was receiving hospital charity/Medicaid at the time... so why would they not remove it!!!! I don't believe XXXX  are even looking into it as every time i make the dispute the result comes back the next day. how can a collections dispute come back the next day??? I don't think they are even disputing my collections!! 

For no mistake of my own i am having to suffer lifelong because the hospital and XXXX 's incompetence/Lies/incorrect information. Noone will let me open a bank account/ or credit card. I have tried to rent several places to live they are refusing me as they say i have collections on my credit file ( THAT ARE INCORRECT ) So basically, i can't live because no one will give me any credit ( EVEN THOUGH I HAVE NEVER MISSED NOT 1 PAYMENT MY ENTIRE LIFE. I ACTUALLY PAY ALL MY BILLS EARLY FROM DAY 1. mY CREDIT SCORE WAS 7XXXX LAST YEAR but due to THESE 2 INCORRECT COLLECTIONS MY CREDIT SCORE DROPPED XXXX POINTS AND IS NOW XXXX. My credit file is immaculate apart from these 2 collections and noone will remove them.

I can't rent, get any credit despite having an immaculate credit profile before all this!! I think they want me to sleep in the park and be XXXX because no one will rent an apartment to me due to " my bad credit '' I have never missed a payment in my life as im a very organized individual, but these 2 collections have completely ruined my life ESPECIALLY SINCE THEY ARE INCORRECT. Because of their incompetencies and refusal to remove the incorrect information from my credit profile, i can not rent/live anywhere. 
I have been fighting this with all 3 companies ( XXXX XXXX XXXX Florida, AR resources and XXXX!! ) and got absolutely nowhere. This is why i am not making a formal complaint after 7 months of trying and fed up of being on the phone every day. 

PLEASE CAN SOMEONE HELP ME remove this incorrect information from my credit file? 

Thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation