Consumer complaint received 2020-01-10
Company: P.S.C., Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Original Creditor : XXXX, XXXX XXXX XX/XX/XXXX - Date THIS account 1st became past due, was written off and sent to collection agency ( I don't know where I have no record of contact from them ). 

XX/XX/XXXX - Moved to Florida and have continuously updated and forwarded current addresses through USPS database from then to date. 
XX/XX/XXXX - Date this account was moved to 2nd and current collection agency ( Puget Sound Collections ). Never received any sort of notification or statement. 
XX/XX/XXXX - Date I began requesting credit reports from XXXX, XXXX, XXXX and PSC showing old XXXX debt erroneously as new debt opened on XX/XX/XXXX which caused extreme drop to credit scores appearing as new debt. 
Contacted PSC by phone to inquire about conflicting information in report, they confirmed this was account with 1st past due in XXXX and that they got it from a previous collection agency as of XX/XX/XXXX, so that is the date that becomes the 1st past due and original report date. Disputed this as accurate and requested proof of date account 1st became delinquent and that they correctly and completely report this account as past due from the XXXX date f from original creditor. 
XX/XX/XXXX - Received 1st actual statement and additional enclosed documentation that PSC stated was the response and provided by XXXX, XXXX XXXX - to include her provider office financial report ( all dates from XXXX only ) with not just dates and balances, this report included PHI I in no way conseted she could share or distribute to anyone, FULL ICD diagnosis  codes with my name for each visit date some going as far as documenting XXXX   next to the codes. She also chose to send even more PHI without consent to this collection agency, to include a had printed family history and information sheet I had completed that has my minor daughters names and D.O.B. and that they are treated and seen there ( for XXXX  ). 

XX/XX/XXXX - Sent certified receipt letter to XXXX, XXXX XXXX attached here. No response, reply or contact as of today. 
- Sent PSC certified receipt letter to PSC attached here. No response, reply or contact from them as of today. 

XX/XX/XXXX - Since this date have submitted disputes to XXXX, XXXX  & XXXX XXXX ( x3 ) that dates are incorrect, that due to the " date reported '' line information being XX/XX/XXXX, requested removal or correction. 

XX/XX/XXXX - XXXX  has since deleted the account all together. 
- XXXX now only shows as a number with X at end, only information in Account type, Account Status ( closed ) the balance {$1200.00}. Your comment : Medical ( not my comment at all ),  Coments : MEDICAL Unpaid. No Original creditor or business name or contact information at all. 
- XXXX  - contacted today dispute completed and Meets all FRCA requirements and not being removed. Stated to manager that It is definitely not meting them and all other information relating to the actual date the account was 1st past due missing completely the date of this debt is GROSSLY misrepresented and continues to have a profoundly negative impact it would not otherwise have this many years later. Told by manager that the Date the account 1st became past due is on his screen as XX/XX/XXXX so even though that does show up in ANY field or at all on my actual report they have done their job and it will just fall off XX/XX/XXXX. He said they dont have to put complete information or input all of the data they can see on their screen and if I have a problem with that I should make a report to you and or contact the Attorney General.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation