Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Account Resolution Corporation (MO)

Reasons for complaint it has/is causing me great financial harm along with ruining my reputation. FACT I am NOT liable for payment due to following ; Law # 1 State of Missouri Revised State Statue-Chapter 375-Section 376.782. XXXX  Law # 2 111th Congress 2nd Session PRINT 111-1, Compilation of Patient Protection and Affordable Care Act [ As Amended thru XX/XX/XXXX ] Including Patient Protection and Affordable Care Act Health-Related Portions of the Health Care and Education Reconciliation Act of 2010. Prepared by the Office of the Legislative Counsel FOR THE USE OF THE U.S. HOUSE OF REPRESENTATIVES ] XX/XX/XXXX # 3 Binding Contract between XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Covered with NO Member Cost-Share [ updated XX/XX/XXXX ] .The Affordable Care Act [ ACA ] or health care reform law Requires XXXX XXXX to cover certain preventative care services with NO member cost-sharing. This list includes XXXX XXXX XXXX XXXX XXXX, including exam, XXXX, and including genetic testing for XXXX XXXX & XXXX XXXX when certain criteria are met. 
____________ Had XXXX [ XXXX ] at XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MO XXXX. & reading/diagnostic by [ affiliate ] XXXX XXXX XXXX. XXXX XXXX sent me a billing statement I called numerous times & sent letter explaining I was not liable for payment per XXXX. 

On XX/XX/XXXX XXXX XXXX sent me to Account Resolution Corp., XXXX XXXX, XXXX, MO XXXX for medical non-payment of {$140.00}. Ive learned this was for reading of my XXXX by XXXX XXXX XXXX XXXX [ affiliate ]. XXXX XXXX NEVER should have sent me to collection agency due to above mentioned two [ 2 ] LAWS & the fact of having a Binding Contract with XXXX XXXX stating same as laws. 

Received notice thru letter [ XX/XX/XXXX ] from Mr. XXXX XXXX at Account Resolution Corp., Acct. xxx, XXXX File # xxxx. Called [ XX/XX/XXXX ] & explained I am NOT responsible for payment per XXXX because its a Preventative Screening Test my Primary insurance XXXX XXXX XXXX XXXX is responsible for payment. He said he would call them. 

I applied for a loan in XX/XX/XXXX started receiving lots of rejection letters due to DEROGATORY PUBLIC MARK on my Credit Report for medical non-payment. Called Mr. XXXX he said he sent me to the 3 Bureaus [ NEVER should have sent me per above ] because he received a generic standard letter [ no real or supporting information ] from my Primary Insurance, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, ID # xxx, XXXX   XXXX, XXXX, GA XXXX, [ customer service ] XXXX. 

Mr. XXXX said I should be happy-only {$35.00} is left on account. I Asked who, when & why wasnt full amount paid since it was paid on? He replied, He did not have that information in his/my file. [ hung up on me ]. 

Sent Mr. XXXX letter [ XX/XX/XXXX ] asking if he thought I was responsible for payment to send me documentation. Also, Record fact I am disputing having any obligation for this debt. Along with letting the 3 bureaus know Im disputing. [ never heard a reply from Mr. XXXX to date ].