Consumer complaint received 2017-12-05
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been working for almost 2 years to repair and fix my credit, by paying off all of my old debt, and by paying all of my current bills on-time. I have made a lot of progress and I have paid all of the old collection items that were on my credit reports, except for 1 collection agency. The name of the collection agency is Commonwealth Financial Systems ( XXXX ). I am having difficulty getting them to remove a debt that I do not owe. They have continued to report this debt on my XXXX and my XXXX credit reports. 

Previously, back inXX/XX/XXXX, XXXX put an amount of {$74.00} that they said I owed to Worth XXXX XXXX XXXX ( XXXX ). I knew that I did not owe this amount because I paid for all the services I received from XXXX back in XXXX. But, because the amount was somewhat small, I went ahead and paid the {$74.00} anyway to avoid the hassle, and in an effort to put this matter behind me quickly. I have attached a copy of my XXXX credit report dated XX/XX/XXXX XXXX did remove this {$74.00} collection item from my credit report after I paid them {$74.00} in early XXXX. However, I a couple months later, in XX/XX/XXXX, XXXX put another collection item on my XXXX & XXXX credit reports in the amount of {$110.00}, that they alleged was owed to XXXX. They said that this item and my account was assigned to them again inXX/XX/XXXX. I knew then that XXXX was going to keep putting these fraudulent collection debts on my credit report as long as I kept paying them. As soon as I paid an old amount, they will put a new amount on my credit report. 

However, I knew that I did not owe these debts, and what XXXX had reported was not true, because XXXX was bought out in XXXX and it no longer existed. I called the company that bought them out, XXXX XXXX XXXX XXXX ( XXXX ), and I asked XXXX two questions : ( 1 ) did their records show that I owed them anything for past services rendered by XXXX, and ( 2 ) did they assigned my account to a collection agency? The answer to both questions were NO. 

I sent a letter to XXXX onXX/XX/XXXX, to let them know that I did not owe this debt, and I requested that they remove this item from my credit reports. I have attached a copy of my letter to XXXX. I then filed a dispute with XXXX & XXXX. The date of the first XXXX dispute was XX/XX/XXXX. I have attached a copy of the XXXX dispute to my complaint. 

Unfortunately, XXXX did not remove this collection debt from my credit reports, and they denied my dispute with XXXX. In XX/XX/XXXX, I asked XXXX  to send me some proof or evidence for the services rendered by XXXX, and something showing the amount I owe to XXXX. On XX/XX/XXXX, XXXX sent me a statement that showed that all of my payments had been made to XXXX  and my balance with XXXX was {$0.00}. I have attached this letter and XXXX statement I received from XXXX to this complaint. 

In XX/XX/XXXX, I filed another dispute with XXXX and I uploaded to XXXX, a copy of the XXXX statement that showed my account balance was {$0.00} and I did not owe XXXX  anything. Unfortunately, on XX/XX/XXXXXXXX  and XXXX denied my dispute again. I have attached a copy of the 2nd XXXX dispute to this complaint. 

Lastly, on XX/XX/XXXX, I sent a final request to XXXX for them to validate the claim of debt that they allege I owe, or remove this item from all of my credit reports. I have attached a copy of that letter to this complaint. 

Please help me resolve this matter as soon as possible. I am working hard to improve my credit, and qualify for a mortgage for a new home. Unfortunately, I feel like XXXX is blackmailing me, and trying to extort money from me, with the help of XXXX and XXXX. I have attached a copy of my current credit report which shows that all collection items have been paid-in-full, and are now closed, except for the XXXX item. 

Thank you

Company response to consumer: Closed with explanation