Consumer complaint received 2017-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Medical Data Systems, Inc. (GA)

I owed a balance of {$200.00} to XXXX XXXX, and the collection agency collecting for them which is, Medical Data Systems ( MDS ), had agreed to remove the account from my credit report once account was paid in full. I made my last payment on XX/XX/XXXX and I noticed about 3 weeks later the account was still on my credit report so I decided to call them and when I called them to inquire as to why the account had not been removed, I was then informed that the account would not be removed but that only the account would be updated to a XXXX balance and closed out with a paid in full notation. I then told the rep that I had been told it would be removed as a result of final payment which is why I agreed to the payment arrangements and the rep proceeded to debate with me and hung up on me. I must admit that I was extremely upset and called the business a total of 91 times because I felt as though I had been swindled and mislead dishonestly into thinking they were going to remove the account once final payment had been made. I felt the company had stolen my money from me. I was extremely upset and had a few choice words with a few reps but never threatened violence against anyone. After I had spoken with supervisor after supervisor, I had then requested to speak with a manager and I spoke with, XXXX XXXX, I believe that is her name and she was just as rude as the other folks I had dealt with. I find very dishonest of them as a business for their previous call notes not to reflect what was actually discussed. I Do n't trust this company as far as I can see them. They are dishonest. After so many horrible and unsuccessful attempts in getting them to honor their part of the deal. I had decided To dispute it with XXXX on XX/XX/XXXX. The reason for my dispute was. /the creditor agreed to remove the account/ and the second reason was / the Account had been settled/. I listed both reasons because its the truth. XXXX, agreed to investigate the matter and their investigation concluded on XX/XX/XXXX and the results were that the account was valid and it would remain .I have an issue with that as well because, the account currently reflects a balance of {$57.00} as of XX/XX/XXXX. Now that part is INCORRECT and the agency themselves were aware of this when the investigation concluded with XXXX, but the still chose to report that there was a balance when in fact there was n't and had n't been since the final payment on XX/XX/XXXX .I do n't know if XXXX , has failed to do its part but that account had been settled weeks prior to their investigation concluding. I feel as though, XXXX, has violated my consumer rights because they did not verify that the current balance is NOT {$57.00} but instead the account is Settled and paid in full. I did n't ' think I needed to make that part any clearer as that was one of the reason 's I included for disputing the account and XXXX did not correct or verify the information, or did the collection agency respond to my dispute and verified on their end that the account is not to be removed and is currently correct because if that is the case then they lied and I have proof they lied. I have initiated a charge back through my bank for the payments I made to MDS because I feel as though they collected the money under false pretenses and mislead me to believe that once I PIF that it would be delete. Please tell me what I need to do. I would like the company to honor their end the bargain and I would like it removed from my credit report asap. I tried to call the collection agency back and record the call but they are n't saying much at this point and keep hanging up on me. Had I known I would go through such issues then I would have just requested it in writing and just recorded the phone call but did n't. They were nice until they got their money. I choose to refer to them as wolves in sheep 's clothing.