First - None of the previous options to choose from explain the situation accurately. I believe this was a communicate issue and a refusal to provide information on account they hold for collections due to not having a fax number. 

XXXX/XXXX/XXXX I called I C Systems to ask questions about information I saw on their website when I went to pay XXXX XXXX XXXX on XXXX/XXXX/XXXX. There were more accounts reporting on / in their system that I had never received the bills for and I wanted to find out what the accounts were from and why I did n't receive a statement from the Provider before it went to collections. 

The first agent explained that I have to mail a letter for requesting any details on the bills and that it is best to go back to my insurance company instead. She also stated that I would not be provided a paid in full letter on the individual amounts I pay unless I was willing to settle the entire balance. She stated XXXX laws prevented the collection agency from being able to simply give the information on the accounts they are trying to collect on. 

I stated that the collection account was n't reporting to my credit as XXXX account and the individual amounts were each listed. I needed a paid in full letter for each account and the payment confirmation number. She stated the only method a letter close to my request could be sent would be by fax. I stated I do not have a personal fax machine and asked if it could be emailed to me or sent via mail. The agent responded no. She suggested I go to a public place to receive the letter. I stated this violates my privacy by making me to to a public place or my employer to receive personal medical information about my payments and should n't that be protected under XXXX to keep my information private? 

I requested to talk to her supervisor. He told me that the fax machine was the only way and kept interrupting me so my voice and concerns could not be recorded on the phone call. I expressed frustration that I was being denied a paid in full letter on the account I just made payment in full on for the amount of XXXX with the previous agent to delete it from my credit report. The amounts are reporting separately and I want to be able to prove each for the credit bureaus and my own records. I requested to speak with his XXXX and he stated he would refer me to the fax was the only method again. I still requested to speak with a XXXX. 

A gentleman I believe his name was XXXX got on the phone and was not briefed on the conversation which I had to repeat. I stated to all three agents I would report this to the CFBP and BBB for their system not allowing me to receive a separate letter on the paid account in full to remove from my credit report. I told them I wanted to resolve this together and avoid reporting their company. XXXX was not apart of that department, team, and had no authority to help me, but assured me their other XXXX would call me before end of day. 

The other XXXX did call me before end of day and stated their legal team would draft a letter for me in this situation and mail it my home. I have received the letter and it is not what I requested and has put XXXX of collections accounts that I disputed them updating to my credit reporting and hurting my credit once again. I told the agents I was working with XXXX XXXX XXXX  on the amount that showed owing XXXX due to I received XXXX bills for the same XXXX and wanted to know why they all had different account numbers and amounts before paying the wrong XXXX. I stated I could pay the XXXX account when I was paid. They have put on my credit that I dispute these XXXX items and did not remove the paid in full item from XXXX/XXXX/XXXX paid in full with the first agent for XXXX with my XXXX XXXX XXXX card ending in XXXX. 

I did not state to them I wanted them to list the accounts as disputed and as soon as I understood the bill with the original services XXXX XXXX XXXX I would pay it. 

I also went onto the online website to pay the other accounts listed on the I C Systems website to pay them in full while I requested the individual statements and would resolve that with the original provider but wanted to make the account as current as I possibly could on XXXX/XXXX/XXXX. That payment was also made with my XXXX XXXX XXXX card ending in # XXXX for a total of XXXX. XXXX is the information reporting on my statement. 

In conclusion I do not want anyone else to be denied the right to a paid in full letter of an individual bill / XXXX item paid with I-C Systems due to their system will not allow it even though the XXXX XXXX XXXX XXXX XXXX XXXX made it so millions of Americans would no longer be hurt by XXXX XXXX remaining on their credit reports as long as the bill was paid. I paid the XXXX and am denied a letter paid in full due to their system. They also updated my accounts with the credit agencies with false information that I was disputing the owing amount XXXX XXXX XXXX accounts with them. 

I never stated in those phone calls I was disputing those debts with IC Systems. Also, denied the right to know where the accounts are from and who is reporting it and having to mail in a request, having to receive information only by fax and violating the individuals rights to this information if they do not have access to a private fax line or do not want this information sent to a public fax violating their rights to keep their medical bills / history private. The Collection company can hide behind XXXX laws, but refuse to protect the individual being reported. I want the the negative status of disputing information removed my credit report, the XXXX Removed due to being paid in full. I also want my paid in full letter for the XXXX and an itemized statement with original statements from the providers sent to me. 

Below is proof off my credit card statement the XXXX bills were paid on XXXX and a link to the information I quoted from the XXXX XXXX XXXX XXXX XXXX who helped millions of Americans. 

XXXX/XXXX/XXXX XXXX/XXXX/XXXX IC SYSTEM PAYMENTS XXXX MN {$110.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX IC SYSTEM PAYMENTS XXXX MN {$130.00} Link : XXXX XXXX XXXX