Consumer complaint received 2021-10-03
Company: Commonwealth Financial Systems, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This past XXXX, 2021, around the middle of the month, I recieved a collection notice in the mail. I assume it's a medical bill based on the name of the original creditor, but I have never heard of any such organization before. I don't know where they're based out of. I don't know what the bill is actually for, or when the services were supposedly rendered. I found this all very strange, especially due to the fact that I recently had two state income tax returns siezed, and my wages had been garnished for approximately 3-4 months, to settle an unpaid hospital bill. I did a little research online to see what my options were, and how I should handle the situation, and decided on sending them a dispute letter to validate the debt, and clarify when and how it was even accrued to begin with. I sent the letter by certified mail on XX/XX/2021. On XX/XX/2021, someone by the name of XXXX XXXX signed that they recieved the letter. Shortly after that, I noticed that they had made a note on my account with all three bureaus that I had disputed the information, but the account status has remained either " active '' or " closed '', depending on which bureau. All three have the number of " disputed '' accounts on my report listed as XXXX. I have been waiting patiently ever since for any kind of information. I have recieved absolutely no response whatsoever from anyone at Commonwealth Financial. I checked my credit score yesterday, and noticed that nothing on my report had changed at all regarding that account, besides the fact that it listed the last " reporting date '' by the debt collector as XX/XX/2021. I do not believe this is a valid debt, at all. I have been given zero information on when this debt was accrued, how Commonwealth Financial became involved, when these services were rendered, or where they were rendered. I have been working hard to improve my credit score, something that I had never given much thought to until recently. On this upcoming Wednesday, XXXX the XXXX, it will have been 90 days since Commonwealth recieved my letter, which they even made note of on my account themselves, was compliant with the FCRA requirements. This negative mark is not only holding me back financially, it is also personally off-putting to be accused of owing a debt that you refuse to pay. I feel that this information is completely and totally inaccurate, and I have been provided absolutely zero evidence that this debt is in any way shape or form a valid debt. I would like to have this mistake removed completely from my credit report as soon as possible. Any help or advice on solving this matter, or what steps I should take next would be greatly appreciated. I thank you in advance for your time and consideration. I am providing copies of the following documentation pertaining to the matter : the orginal collection letter, my dispute letter, the signed return ticket proving they recieved my letter, a summary of the disputed account as listed by each of the three bureaus provided by experian.com last night ( XX/XX/2021 ) showing they have recently reported activity on my account, and lastly, the account summary from my XXXX report, also obtained last night, which makes a note that I have disputed the information, and my dispute did meet FCRA requirements, yet in the column that specifically asks if the account has been disputed, it is clearly marked " no. '' I thank you again for your time and assistance.

Company response to consumer: Closed with explanation