Consumer complaint received 2022-01-06
Company: Credit Consulting Services, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Impact medical group contacted me by phone and mail to collect on a debt I never agreed or contracted to pay.The calls were harassing, aggressive and very threatening. I explained to them when they called I never agreed or contracted to pay on this debt and I know this debt has to be a mistake because this debt is a medical bill and I've always had medical coverage. My medical coverage covers all my hospital/clinical visits. I've never been told at any visit that after my visit I would owe anyone a debt. After telling them I had medical coverage during that time, the rep said she/he would look into the case and give me a call back. The rep called me back and stated I did have medical and medical should have covered the visit but since the bill was in their office I had no choice but to pay the bill. I disagreed with the rep and told him/her I would be sending impact medical group a debt validation letter to validate this debt actually belonged to me since I never contracted to pay on this debt. Impact medical group continued to call, harass and threaten me over this debt, they said I technically didn't owe. After non stop harassing calls I sent in a debt validation letter in didn't receive a response. After I didn't receive a response I sent in another debt validation letter and still have yet to receive a response. Impact medical group then sold this debt to credit consulting services inc. Credit consulting services began to harass threatening and call me over this debt, which I explained to them the same thing I explained to Impact medical group. They stated they didn't care what I said and they were going to get what was owed to them. I told them I would not be paying for a debt that didn't belong to me and I would need validation for this debt before we discussed any type of payments being made on this account. I sent a debt validation letter to Credit consulting service inc and they never responded to the letter. Credit Consulting Services started to report negative and defaming information on my credit report as XX/XX/2021. Since they have never supplied me with sufficient information in order to validate this debt, I know this debt is not mines and this debt account was not handled accurately. I don't not feel like my account was handled with accuracy and/or integrity. Therefore, with respect, I am challenging the accuracy and integrity of this information. 
12 CFR 1022.41states ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

12 CFR 1022.41 ( d ) also states Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. 

Due to the number of inaccuracies with this account which I have highlighted in the image below in the attachment section I know this debt is a mistake and shows this account was not handled with accuracy or integrity. As you can see in the highlighted image this account furnished by Credit Consulting Services Inc it has inaccurate late payments, date opened, last reported date and last active date. Please remove this account from my consumers report. Due to the inaccuracies of this account I have been denied loans I would have been approved for had this account been handled with accuracy and integrity. This has caused me sleepless nights, stress and really bad anxiety. Going forward all accounts should be handled wit accuracy and integrity as 12 CFR 1022.41 ( a ) ( d ) states.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation