Consumer complaint received 2020-05-31
Company: The Outsource Group, Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is a second complaint against Medicredit. I am very upset they are still taking a stance of they won't delete the account in collections knowing full well they didn't validate this debt in a timely manner even though I am willing to pay them in full. 

My husband called Medicredit and spoke with them on XX/XX/XXXX. Even though Medicredit provided us with an itemization through my last CFPB complaint against them, it took 4 years from when they obtained the account for collections to provide me with it. Even when I asked them for one and gave them my proper address, it still took more than 60 days AND a complaint to you the C.F.P.B. before they decided to provide me one. They even go as far as to have the audacity to say in their response " Medicredit maintains high levels of professionalism and follows rigorous policies and procedures to ensure satisfactory customer service and we apologize that the consumer found their experience with our office unsatisfactory. '' I don't want an apology, I wa n't them to remove this from my credit report. 

By their own admission, they didn't have my address, but an old address provided by XXXX XXXX XXXX. I understand it is not XXXX 's job to " hunt me down, '' but it is their job to bill me in a timely manner. How am I supposed to know I owe someone money and notify them of a change of address if they didn't bill me properly? And XXXX XXXX XXXX did not bill me properly. According to the itemization provided to me by Medicredit, I had services rendered on XX/XX/XXXX and my insurance paid them on XX/XX/XXXX. I lived at the address provided to XXXX until XX/XX/XXXX. XXXX didn't bill me for this account for 3 1/2 months. Again, how am I supposed to notify someone of a change of address when I don't even know I owe them money. To add to this, forget about my address, they had my phone number. I never once had a call from XXXX asking me for this money. In fact, I had my old phone number until XXXX which is two years after the collection agency said they received this collection account and THEY never called me about this account. 

Here is some food for thought. The collection agency has admitted they had this account for two years without notifying me since they don't have my address. They've admitted they didn't call me. They've admitted we were misinformed about the status of this account when we called and spoke to them since we were told its a XXXX account and not a XXXX account. When we asked for proof of the debt since we had doubts of legitimacy due to the faulty information we were given, they failed to provide validation of debt within the time frame allowed by the Fair Debt Collections Practices Act and forced me to file a complaint just to obtain what is required by law. They tell me they are sorry they didn't meet my standards and follow rigorous policies and procedures for satisfaction. But when as a consumer I call to attempt to pay for this in full in exchange for a simple courtesy deletion since those same policies and procedures weren't followed, the account in question was grossly mishandled, and collection laws were broken, I am told no. I am told no even though they know I was not provided an itemization within due time frames nor any notices were received due to faulty addresses. But they are following rigorous standards and policies to provide me with satisfaction? That is a joke and I'm very upset they would treat me like a XXXX  and XXXX  child. 

I was originally being fair and responsible by offering payment in full plus whatever interest they had accumulated simply to remove this account from my report due to the gross mishandling of it. Now I am demanding they delete this from my credit report post haste or I will simply sue them. I am not going to sit here and be patronized. If they seriously want to try and pretend like they are in the right or have a superior stance on this matter then they can try and test me. Thirty days is what I'm going to give them to provide me with a notice saying this account is going to be deleted or I will see them in court.

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