Consumer complaint received 2017-10-06
Company: BC SERVICES, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XX/XX/XXXX, my then XXXX son was XXXX. I called the police and they made the decision to take my son to XXXX XXXX here in XXXX, Colorado. I was instructed to follow the police to the hospital. I had my son 's insurance card with his father 's information listed on the card and in the XXXX XXXX data base. I checked my son into the ER ward and gave all of the responsible party information along with the XXXX XXXX XXXX health insurance card to the admittance department. 

Some weeks went by when I got a bill from XXXX XXXX for approximately {$3000.00}. No itemization, and no way for me to contact the insurance carrier about what they paid for since I was not the insurance provider -- my son 's father was and still is. The insurance carrier refused to communicate with me for obvious reasons. It 's not my insurance. I have never had any idea what the full amount of my son 's night stay at the hospital was. 

( By way of a court order, my son 's father had to maintain health insurance and was solely responsible for all medical expenses -- until the age of majority. That court order was entered into and signed by a XXXX District County judge in XX/XX/XXXX. With no subsequent modifications since the original separation agreement was contractual in nature. ) XXXX XXXX refused to allow me to send them a copy of our separation agreement -- stating they would not acknowledge receipt of any documentation from me. They also refused to contact my son 's father -- the insurance provider -- even though at the time of admitting my son I gave them all of his father 's contact information. The insurance carrier, XXXX XXXX XXXX, never sent any statement/bill to me or my son 's father. Nothing. Just a " pay up or else '' from XXXX XXXX. 

I did send them a copy of the separation agreement and all contact information for my son 's father. His full name, address, social security number and DOB. I fought with the hospital for the entire summer. 

XXXX then sent the account to BC Services , Inc. -- a medical collection company. They also refused to allow me to submit any documentation to demonstrate that I was not the responsible party. They stated that because I was at the hospital and provided a medical insurance card, I 'm the responsible party. 

Under the circumstances -- with my son 's severe emotional issues -- I was under extreme duress. I believe I was taken advantage of. Since my son 's father is a well-known local attorney, I do n't think XXXX XXXX or BC Services , Inc. wanted to deal with him. 

I have been battling this debt for over three years. BC Services , Inc, does not have my social security number or my DOB. XXXX XXXX does have my former husband 's information -- it 's listed on his insurance card and with XXXX XXXX XXXX. 

I have experienced being turned down for credit as a result of this large medical collection. I 've also been charged higher interest rates when credit has been extended to me for necessities such as a car loan. I have lived in fear that a judgment will be obtained and my wages will be garnished ; that I will experience a process server at my home or place of employment.

Company response to consumer: Closed with explanation