Consumer complaint received 2024-07-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (ME)

On XX/XX/year> I received an alert to my credit report that my score dropped XXXX points. 
After looking at my report it said Medical Data Systems of Florida submitted a collection on my credit report. 
Sir, Madam, I do not know these people. 
I know there is some debt with XXXX XXXX XXXXXXXX XXXX, and have tried to resolve it- XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX only allows XXXX ways to pay XXXX ) pay in full XXXX ) Pay off the entire amount in XXXX months XXXX ) apply for a bank owned system to pay in XXXX months, but entire amount must be paid in the 24 months. This changes it from XXXX debt to an outside bank loan. 

XXXXXXXX XXXX XXXXXXXX XXXX wont accept anything less, they would not accept anything I could send. I submitted paperwork to the XXXX reporting agency proving this. 

so it appears they sold my account to a XXXX XXXX. But again, I do not know these people. 

Maine XXXX XXXX, XXXX XXXX XXXX XXXX XXXX told a creditor to accept my payments from XXXX ( XXXX XXXX XXXX ). on their behalf, and I do, every XXXX weeks. I have submitted this documentation to the Dispute I have filed with XXXX. 
. I use XXXX because these Hospitals sell your account, then others sell it again, I have paid to different people on the same account twice, that is why It is so important to pay XXXX and have them disperse payments, so that when they are sold, XXXX knows and alerts me. I do not understand why this XXXX refuses to do the same. 

.Medical Data Systems must verify the debt, send me paperwork for verification as required by law Medical Data Systems musXXXX remove this from my credit report immediately. I received no debt verification. 

Medical Data Systems must provide proof if they have sent this verification to XXXX XXXX XXXX, my legal name, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was not getting mail, I assume some was going to my ex husband, I had to get a XXXX XXXX XXXX 
All these factors led me to a notice on my credit report, to an agency I don't know. 
My children and I will be homeless as a result.. I have XXXX children. 

The only debt I have is the Mortgage, which I have to assume, according to court. My husband divorced us, but left us a place to live. I have never been late on the Mortgage. 
Doubtful any financial institution will allow me to assume the Mortgage with a XXXX XXXX of XXXX, it was XXXX. This is what Medical data Systems has done to us. I have no loans other than the Mortgage, I have no credit cards, no car loan, nothing. XXXX XXXX a XXXX XXXX XXXX car, but my XXXX XXXX XXXX is XXXX free so I XXXX XXXX a washing machine to work if that's what it took.. I pay on all my little boys medical debt, it is substantial, but I am doing it. We do not qualify for 'free care '', all medical debt is from copays.. {$15000.00} is XXXX year of co pays for my son. 
It does not make sense I would be paying on {$15000.00} medical debt for my youngest child, but not pay on another to have put us in this position. I also pay medical debt to XXXX XXXX XXXX XXXX XXXX XXXX, This agency sent no debt verification. I would never, put my children in a position to be homeless. 
Medical Data Systems must verify the debt, send me paperwork for verification as required by law,, and remove this from my credit report immediately due to their error. When I receive debt verification I will make arrangements thru XXXX ( XXXX XXXX XXXX ) to pay. I have an account with them on medical debt, I can add more. 

It is a crooked system to hurt a family who needed XXXX care, refused an amount we could pay, only to send their bill to collections because they wanted an {$800.00} a month payment or nothing at all. I will accept any help you can give us, and gratefully. 
With every respect, XXXX XXXX XXXX