Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AR Resources, Inc. (CA)

Good afternoon, I noticed 2 collections accounts on my credit file ( XXXX ) . These are completely incorrect and i have tried my absolute best to have them removed for the past 1 year to no avail!! The 2  collections show for debt collection agency XXXX  resources. These are for 2 medical bills from when I lived in Florida in 2020. The main reason of my complaint is that I was receiving Medicaid ( Hospital charity ) at the time of both these ER room visits, and the hospital assured me that both m hospital visits would be fully paid as i was receiving hospital charity ( Medicaid ) at the time. 

Due to the incompetence of XXXX  XXXX XXXX, XXXX XXXX, Florida, THEY made an error and did not pay my physicians medical bill and ( without sending me any notifications of bill ) they forwarded my file to a collection agency called XXXX  resources in XXXX. This resulted in me having 2  collection accounts added to my credit file ( through no fault of my own! ) I have tried continuously every week for the past 7 months trying to remove these 2 incorrect collections/derogatory marks on my credit file. I have called XXXX XXXX XXXX nearly every day since 7 months ago and they say : " we apologize we overlooked that you were receiving Medicaid " We should have paid it at the time, but our billing team missed this. As a result, my 2 hospital visits were not paid and was forwarded as a collection to AR resources ( a debt collection agency in Pennsylvania ). 

I also called AR resources ( Address : XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX ) i have called them close to 200 times the past 7 months and sent them letters with a letter from Medicaid Florida confirming that i was receiving hospital charity and bill should have been cleared. 

AR resources respond saying they can not remove from my credit file as it has already got to collection level ( even though it's the hospitals incompetence and fault as they did not mark the visits paid!! ) Every time i call the hospital or AR resources collection agency they yell at me and say they refuse to remove this incorrect collection and fix their mistake!!!

I have done everything i can, i have called the billing department at the hospital in Florida, the collection agency AR resources over 200 times and i have gotten nowhere in 7 months. They swear at me on the phone ( they are very rude staff ) and hang up the phone on me.

I also tried disputing these 2 collections/derogatory marks on my credit file with XXXX, but they results OF MY 4 DISPUTES RE THESE COLLECTIONS keeps coming back from them as " verified not able to remove ''. Subsequently XXXX have not removed these 2 collections from my credit file even though i provided them with the letter from the hospital confirming i got Medicaid at the time of these hospital visits!!! I disputed 4 times each time they say they will not remove it. I want to complain about XXXX as i do not believe they are looking into my collections correctly ( especially as i provided them with the letter evidence showing i was receiving hospital charity/Medicaid at the time... so why would they not remove it!!!! I don't believe XXXX  are even looking into it as every time i make the dispute the result comes back the next day. how can a collections dispute come back the next day??? I don't think they are even disputing my collections!! 

For no mistake of my own i am having to suffer lifelong because the hospital and XXXX 's incompetence/Lies/incorrect information. Noone will let me open a bank account/ or credit card. I have tried to rent several places to live they are refusing me as they say i have collections on my credit file ( THAT ARE INCORRECT ) So basically, i can't live because no one will give me any credit ( EVEN THOUGH I HAVE NEVER MISSED NOT 1 PAYMENT MY ENTIRE LIFE. I ACTUALLY PAY ALL MY BILLS EARLY FROM DAY 1. mY CREDIT SCORE WAS 7XXXX LAST YEAR but due to THESE 2 INCORRECT COLLECTIONS MY CREDIT SCORE DROPPED XXXX POINTS AND IS NOW XXXX. My credit file is immaculate apart from these 2 collections and noone will remove them.

I can't rent, get any credit despite having an immaculate credit profile before all this!! I think they want me to sleep in the park and be XXXX because no one will rent an apartment to me due to " my bad credit '' I have never missed a payment in my life as im a very organized individual, but these 2 collections have completely ruined my life ESPECIALLY SINCE THEY ARE INCORRECT. Because of their incompetencies and refusal to remove the incorrect information from my credit profile, i can not rent/live anywhere. 
I have been fighting this with all 3 companies ( XXXX XXXX XXXX Florida, AR resources and XXXX!! ) and got absolutely nowhere. This is why i am not making a formal complaint after 7 months of trying and fed up of being on the phone every day. 

PLEASE CAN SOMEONE HELP ME remove this incorrect information from my credit file? 

Thanks XXXX XXXX XXXX