Consumer complaint received 2019-07-08
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had disputed several accounts posted by PlusFour Inc in on my XXXX report that were created by my Ex-wife.

PlusFour Inc is attempting to collect several debts for XXXX XXXX XXXX, after discovering these debts on my credit report, I attempted to get more information from XXXX XXXX XXXX but I was told to contact PlusFour Inc because these accounts are in collection and they refused to give more information on these accounts.

Right away I contacted PlusFour Inc to get a debt validation but they had never responded to my requests.

Since last year, I contacted PlusFour Inc and they had never provided any physical proof that these are my accounts. 

After I filed a complaint, I received a computer printout of these debts, these are no proof that these are my accounts, these statements showed that someone owe money to XXXX XXXX XXXX, but in no way these statements show that these are my debts as anyone can create any of these statements on any computer. 

PlusFour Inc was made aware that these accounts are not mine, is now over one year and they had never provided any physical verification as theyre required by the Fair Credit Reporting Act. 

They continue to report these accounts under my name after theyre were notified that the rightful owner of these accounts is my ex-wife. 

Reporting agencies are supposed to report accurate and truthful information but XXXX continue to report these accounts when they were made aware that these accounts are mine. 

XXXX had refused to proper investigate these accounts for proof that they belong to me, but they just go by a computer printout that shows an outstanding amount, these kinds of verification is harmful to the consumers because a computer printout is not a proof of ownership but these types of investigation save them money and time. 

I believe that PlusFour Inc doesnt have any physical proof, but the computer printout that they continue showing the credit bureaus and that is why they continue to use the tactics they had used so far.

PlusFour Inc and XXXX  are aware that these accounts are not mine, but they continue to report these accounts on my credit files. I had disputed these accounts with both XXXX and PlusFour Inc. 

The facts are, that I never been to XXXX XXXX XXXX for anything. 

My Ex-wife and my children are cover by my health insurance company that is why they have my name and social security for the purposes of filing insurance claims but, in no way, Im obligated to pay for any contract that my ex-wife gets into it. 

XXXX XXXX XXXX had summitted claims with the wrong social security number and that is why those accounts were never settled accordingly. 

Im not responsible for the claims that were summited incomplete and with errors by XXXX XXXX XXXX. 

I would had provided XXXX with any information they need it to process their claims, but I never received any communication from them or PlusFour Inc.

For the record I will like to file an official complaint against PlusFour Inc for failing to notify me of these debts before placing them on my credit reports and for failing to respond to debt validations. 
Also, for looking the way when they had been notified of the truth owner of these accounts, they just dont care. 

I discovered these collections after requesting my credit report. Immediately after discovering that PlusFour Inc had posted these negatives accounts on my credit report I disputed these accounts with XXXX  and I requested debt validations directly thru PlusFour Inc. XXXX is the only credit bureau that refused to remove this inaccurate information from my files, I had made XXXX  aware that these are not my accounts and told them the same thing over and over.

I dont understand what kind of investigation are XXXX  is conducting when clearly would show that these are not my accounts. 
XXXX is required by the Fair Credit Reporting Act that information reported is accurate but I dont believe that theyre following the law, since they continue to report inaccurate information on my file. 

Also, I like to express that my ex-wife didnt due anything wrong by using my credential for the purpose of Insurance claim. Since XXXX XXXX XXXX are provider to my insurance carrier my  ex-wife is only responsible for {$10.00} co-payments, so this doesnt make sense since she made all co-payments required before she visit the doctor. 

The error was created by XXXX XXXX XXXX when they careless staff summited wrong information to the insurance company, causing claim to get declined, but I find myself in the middle of this mess.

Company response to consumer: Closed with explanation