Consumer complaint received 2017-03-07
Company: Commonwealth Financial Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Commonwealth Financial Systems Inc has reported several fraudulent debt on all XXXX of my credit reports. I have disputed the fraudulent debts with all relevant credit bureaus, resulting in deletion because they cold not verify the debts through the automated dispute system. They never sent me notices for all but XXXX of them, and damaged my credit until disputed and deleted. This happened approximately XXXX times with CFSI. I know this is not really a violation ( unfortunately they will lie about notices ), but it should be. They knew they could n't verify from the time they reported. What they have done in violation of the FCRA, is sold, transferred a fraudulent debt after an identity theft block ( 605 ) was placed on a fraudulent debt they reported. I submitted block request to XXXX for the debt back in XXXX, and the debt was deleted within the specified time under FCRA. I can only assume it was blocked by XXXX, since it was deleted, and XXXX did not send me any notice regarding refusing to block, which the law would require if they did. Again, all of this means they placed a block on the CFSI debt, and should have notified CFSI that this debt was a result of identity theft. The fraudulent debt had an original creditor, current creditor, and collection agency that was to be collecting on the debt. EMP of XXXX XXXX, the original creditor, knows nothing about this debt and told me to contact the Attorney General. This was the only debt reported that I received notice from CFSI for, so I requested debt validation in the 30 day time allowed to dispute a debt. Their " debt validation '' is a JOKE, and has Fraud written all over it. The papers they sent me looked like someone obtained my personal info from sources, and plugged in to their pathetic excuse of a debt validation. The information did not match the timeline of my true life events at the " time of service ''. The dates, XXXX for insurance billed, and well, I 'll let you decide the ridiculous attempt at fraud for yourself. Also, these fraudsters obviously do n't have spell check, which makes them even more pathetic. The " debt validation '' has spelling errors, refering physician, and amount refered? This accurate spelling is " referred '' or " referring '' you idiots, look it up. So after XXXX blocked this debt, approximately 3 weeks later, I receive a collection notice from XXXX for the SAME debt. The debt is same amount, same original creditor, same current creditor, just different collection agency this time. Really? I was a victim of identity theft, resulting in XXXX page police report, and they should not even have my personal information, they have no legal reason to, and they continue to share it, add to another database which adds more risk of it getting stolen again. They violated the law by selling, transferring, placing for collection a debt that they were told, or should 've been told was a result of identity theft. It is their responsibility to have reasonable measures in place to make sure this DOES NOT happen, and CFSI should have made sure the debt was dissolved once notified, but they knew it was fraudulent before that. If they do n't have reasonable measures to prevent this, they should be shut down. They think they are above the law, and they are in the business of collecting fraudulent debt, this just confirms that is exactly their end game. I mean, they ca n't even spell correctly on their " debt validation '', which is beyond pathetic. The original creditor tells me to call Attorney General, so what does that say about this on top of the obvious? CFSI has also called my cell phone, which I never authorized, and never gave them my mobile phone number. I will attach FTC Identity theft complaint, but not actual police report due to amount of info it contains. XXXX XXXX XXXX Police Dept., report # XXXX, Officer XXXX

Company response to consumer: Closed with explanation