Consumer complaint received 2015-04-22
Company: Credit Bureau of Lancaster County, Inc.
State: DE
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I saw this contact info on my credit report. 

LANCASTER COLLECTIONSXXXX XXXX, PA XXXXPhone # : XXXXXXXXI called them to find out/obtain the more details about collection. 
Here are some highlights of phone conversation I had with them. Definitely feel free to request the call transcript to verify that the detail I am sharing here is the true presentation. 

1. They did not have any of my personal info when I called them, they took all info from me. Name, SSN, current address and the current phone number. ( That was my mistake, I should have reach out to you in the XXXX place ) 2. They were unable to talk fluently and confidently. I sensed they were talking too defensively when I called them on Monday XX/XX/XXXX. 
3. There was a clear lack of passion and dedication towards their client for whom they were trying to collect the amount. 
4. The only correct information ( verifiable ) was the date of service of my visit to ER in XXXX. 
5. They did n't have the creditor information available handy and did not share even the phone number or the address. 

Now the above was my interpretation and feeling based on the interpretation out of XXXX phone calls I made to them. 

Here is another part of story. I made an ER room visit to XXXX XXXX last year XX/XX/XXXX. It 's true. The only verifiable amount I owe them, I have an invoice for it. 

The strange and unacceptable part, and the reason to visit this site today are ; 1. Not a single original invoice was sent by the hospital ER room at all. ( I am not talking about the reminder statements/invoices ). 
2. The ER ( never ever ) sent me the {$650.00} invoice by mail at all. 
3. Let 's say hypothetically, they sent me. The invoice They never ever sent me a reminder, collection warning letter or any final settlement opportunity to pay off my part of obligation. 
4. The only letter I received is straight from collection agency asking {$650.00}. 
5. I callec XXXX XXXX and spent quality time to pull off all invoiced I owe them, nowhere {$650.00} invoice comes into picture. 

These guys ruined my credit in a structured way, making their case by obtaining missing info from me during my XXXX call that I realized during my XXXX call with a different tone of language. 

Also, with another similar situation, a collection agency ( an authentic/genuine ) shared the creditor info right over the phone including the phone number and an address. These guys told me, we do n't have an access to those details, we 'll get back to you soon. ( No specifics here in terms of time line ). 

Another part of story, ( I am sorry, I am trying my best to connect pieces to complete the puzzle, and believe me I am not spending time to write this story just to avoid to pay {$650.00} ) Here is what happened, some how I found the creditor contact number ( The emergency room, its XXXX XXXX XXXX, which is unreachable. Only once a lady came over phone, listened to me too carefully and never picked a call after XXXX times I called then after. However I left a VM with my name and contact number ). 

I saw online, thanks to XXXX. I found this is what other people are saying about the collection agency. Definitely you can see it online. 

Please continue to read the complain in the other part of this submission.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation