Consumer complaint received 2023-12-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (NC)

I checked my XXXX credit report the beginning of XXXX XXXX and saw an account that was in collections for $ {$590.00} owed and the original amount was {$1300.00}. I also saw that my credit score on XXXX was horribly low around XXXX due to that collections! That account does not belong to me. I had no idea what the account was or who it belonged to. I could not see the full detailed information on the, so I had to get a full credit report to see the account was posted by a collection agency FirstPoint Coll Resources for XXXX XXXX for a medical bill for an account ending in XXXX for Medical or Health Care. The collections had been on my credit report as a collection account since at least XX/XX/2023. It states on the collections it went into collections XX/XX/2023. I had no idea this account was on my credit report all this time, because I only check my XXXX credit report and didn't check XXXX until XXXX XXXX. I do not have any medical bills, obligations or anything with XXXX XXXX, and the account nor the bill is mine. I contacted XXXX XXXX on XX/XX/XXXX and spoke to XXXX XXXX and again several other times since telling her it is not my account and they need to remove it from my account. I was denied personal and business credit due to this collections being on my account. I had no idea. XXXX XXXX told me they would have it removed and it is still there. She sent me a letter from FirstPoint stating it would be removed and that is was paid. I told her I have nothing to do with that account and it should not be associated with me and my credit at all and that the letter should state it was put wrongly put on my account. The account is still on my credit report and still as a collections reported XXXX, in XXXX places, on my XXXX credit report. It is illegal for them to put an account on my credit report that is not mine. Unfortunately I had to prove the account was not mine, not my responsibility and yet they still have not removed it. This is not my account, I never signed as guarantor, never took any financial responsibility nor did I know anything about the account bills, it going into collections nor being on my credit report. XXXX XXXX and XXXX XXXX knew the account was not my account and FirstPoint should have known too. I do not know how they get away with doing this. It should be against the law and they, both XXXX XXXX XXXX and FirstPoint, should be heavily fined. I spoke with FirstPoint today and they said XXXX XXXX never told them to take the account out of my name. She has been very untruthful as she lied several times stating I had signed as the gurantor for this account and then I had to prove I did not, which she already knew. This was and is never my account or responsiblity. They said the would only give me a letter stating it was paid off, but the account would still be in my name. This is and was never my debt nor did I ever take responsibility for it and it needs to be removed completely from any record that has to do with me. It should not be associated with me in any way.