Consumer complaint received 2019-06-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cadillac Accounts Receivable Management (FL)

The collection agency I am here to write you about is CADILLAC ACCOUNTS RECEIVABLE, out of XXXX, Michigan. 

I visited my doctor in XXXX, XXXX and paid up front for my copay. I later received a bill in the mail after 30 days for an additional {$140.00} that my insurance didnt cover. I immediately paid the office, XXXX XXXX in XXXX, michigan. 
Later this week the {$140.00} was posted to my credit report by the collections agency, CAR ( we will call them ). I called the collections office for the first time, to verify the debt and why it was in collections. They stated that until the doctors office contacted them directly, or faxed them over a copy of my account balance, the debt is still valid and will not be removed unless paid to the collector ( CAR ). The doctors office kindly faxed over my receipt of payment from that account. I had disputed this account multiple times on XXXX XXXX in XXXX after it remained on my credit report. I called the doctors office and spoke to billing who agreed to call the collections agency again and try to take back the debt owed or get it taken off. Another month goes by and I call collections again, to be verbally harassed this time. I told them that the doctors office verified by phone and fax that my debt was paid in full, and I was confused that it was still not removed from my report. The woman then replies by telling me she doesnt care who I paid or if I paid the original creditor, since I didnt pay the collections agency they will never remove my account until the day that I pay them directly, because they can do whatever they want with my credit so would keep it on my credit report until I also pay them ( CAR ). It was shocking that they refused to fix my account after I did what they told me to do in the first place. 

The next month, I now have one additional OPEN COLLECTION account from the collection agency, 2 Separate debt accounts for {$140.00}, both with the same amount and same creditor/agency from the same doctors visit. So the account was somehow duplicated and dropped my credit score another 25 points after the first collection dropped it already. I again disputed this multiple times in the next year always stating that this account was paid in full and that there is now multiple accounts open fraudulently. 

It is now XXXX and I have filed separate investigations with XXXX, XXXX, and XXXX directly. As they instructed me to do on the helpline of each agency, I have had the copy of payment from XXXX XXXX with my payment of the {$140.00} in XXXX, XXXX, along with my entire cost summary of XXXX to present day which states that my balance owed is {$0.00}. Per investigation, I sent these by mail to each credit agency along with the paperwork stating that this account was duplicated and fraudulently trying to collect on me two separate times. 

All three agencies replied to the investigation concluding that the debt is valid, and nothing was done about the duplicate accounts. Are there not any humans who read these investigation reports? Is there not one single person who can fix this? This single Account from Cadillac accounts receivable has spiraled out of control. I can not afford a lawyer to represent myself and sue the collection company. This is my only hope.