Consumer complaint received 2019-03-29
Company: Commonwealth Financial Systems, Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello, I have reached out to XXXX XXXX and XXXX XXXX, 1 ) to ask for a copy of my credit reports that they have with my information. I have contacted and called them without receiving a report. They have things on my credit that are not correct and need to be corrected. 2 ) HIPPA violators : I have doctor bills from XXXX ( XXXX XXXX, XXXX, Commonwealth Financial & XXXX XXXX ) and the other hospital is XXXX XXXX XXXX that were also paid either through medicaid from the past, charity, and employee insurance. I also have copies of the letters from the hospitals themselves, that I was approved for hardship and they paid the bills. For some reason, not through the not hospitals, they are still being reported negatively to my credit. They are not supposed keep passing to the next creditor after being paid. Against the law. They were to be paid in full and never late. 3 ) Lastly, I have inquiries on my credit that I have not sign up for. Why is it that companies can pull my credit, they do not leave my account for two years, but they bring my score down when they want? I thought my credit was for me to mess up and not others who are trying to get business? How is this fair to me? I want to be compensated if someone pulls my credit without my say so, but their pull can bring my score down. This is not fair to me and my money, due to lower scores I pay more in the end. It really is an insult when I pay companies to correct credit and my score goes up, but then right back down cause inquiries from others are pulling when they want. I want a copy of my reports to sent from ALL companies like XXXX XXXX, XXXX XXXX, and etc. It is my information and that is my right. I would like for the inquiries to stop without me freezing my accounts. Why should they be able to pull my credit to see if I qualify for anything before I am in need of it. How can paid doctor bills report negatively, with XXXX balance, and states it is paid in full? Then they just add an extra number to the account number and make it look as if I have two accounts for something paid? These are unfair practices and I have paperwork. But once I state the obvious, I am marked for life. Please help to correct these issues by numbers. I have tried to send the paperwork into the bureaus, even though it is on the companies letterhead, they would not accept it. Totally confused. So if the company never corrects or reports to the bureaus, I just suffer? Still spending money with companies to assist with credit repairs and steady wasting money due to these issues. since 2006 to present. 4 ) I also have a letter from one of the companies stating that they were going to correct the owed amount in 30 days due to them using unfair credit practices and that was part of their law suit. Still waiting on that and have not gotten one answer after contacting. Its easier to fax my documents instead of uploading. Be on the look out.

Company response to consumer: Closed with explanation