Consumer complaint received 2020-10-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (AL)

Complaint:
PHOENIX FINANCIAL SERVIC, contact information XXXX XXXX XXXX XXXX XXXX, XXXX IN XXXX, Phone Number ( XXXX ) XXXX. Original creditor listed ; XXXX XXXX XXXX XXXX. Account number XXXX, that is listed on my credit reports. 

I have disputed this account listed on two out of three of my credit reports on XXXX  and XXXX. I have not been able to dispute it on XXXX as I have always had issues with that credit bureau asking security/identifying questions that do not and have not ever pertained to me- The questions asked are not even listed on my credit report and never have. The disputed attempts failed with XXXX  and XXXX  and still remain on my credit reports. Yet, Phoenix Financial Servic failed to contact me claiming I owe the debt. Thus disallowed me to dispute the debt or seek verification. After submitting disputes with XXXX and XXXX Phoenix Financial Servic still did not provide anything at all, much less anything substantial proving the debt is mine or sent anything allowing me to exercise my right to dispute the debt or seek validation directly with them ; prior to reporting the debt and after the dispute. If I was given the opportunity- Had Phoenix Financial Servic legally did what is required of them- I would have requested a detailed breakdown of all charges, documentation such as a signed contract, and other information. Due to this ; the laws and standards set, Phoenix Financial is  inaccurately/falsely reporting/handling this collection account to my credit profiles. I know it is not mine as the original creditor listed, XXXX XXXX XXXX XXXX, whom I never heard of, have never had an account with, or received services with the original creditor. The reported account listed date of being opened in XXXX XXXX This appears to be a medical debt & I have not had any medical attention, services, or procedures during the month of XX/XX/XXXX, or after the months of XX/XX/XXXX, or during the year of XXXX, and even longer than that as well. Especially by the original creditor listed and/or any of its affiliates. I did look up the LLC information of the original creditor listed ; XXXX XXXX XXXX XXXX  XXXX, from the Alabamas Secretary of State website. XXXX XXXX XXXX XXXX  XXXX has gone through three name changes and it strongly supports that XXXX XXXX XXXX XXXX  has four other LLCs and all are associated. There is no telling when and where on how Phoenix Financial Service has obtained this frivolous and alleged debt due to the original creditor having had its name changed three times- It was formed in XXXX and from what I can see the last name change was in XXXX. I share this to support, that I do not nor have I ever owed the original creditor for any services. I do not know of or heard of the original creditors present name, past name, or their associated businesses names as some of those went through name changes too. I have never received anything in the mail or any communications from the original creditor by its current, past, or affiliated names. 

I will say that I have read that Phoenix Financial Services has intensive poor reviews on unethical debt collection practices. However, I do have an issue and many experiences thats considered a mixed credit file. This likely could be the issue with Phoenix Financial Services and the account reported to credit reports. Mixed Credit files has been an issue for me for  years. Like for example, I can rarely access my XXXX   account directly as it never asks security/identity validation questions thats never pertains to me. Every year, at least a few times a year there are incidents where I have collections pop up that do not/nor ever belonged to me. I have had addresses listed that I never lived at, misspelling of my name, alias- I dont use an alias, nickname or shorten my name. When discovered I dispute it and have it removed. I do not know whos information it could belong to or why it happens often enough. I have had closed out/paid in full and on time accounts on my reports ; that actually helped my score, but I had to have it removed because it didnt belong to me, I didnt know any details about it, so when asked for identification questions, I couldnt answer it, thus preventing me from accessing my credit report. 

I am going to attach screen shots from yesterday on security questions asked while attempting to view my XXXX  report, not one question belonged to me. Screenshots from XXXX XXXX that wants to help me with lower insurance quotes, none of the vehicles shown/listed belong to me ever, but one. I am also going to attach screen shots from various credit reports throughout time that show info stated above that indicates my experiences with mixed credit file issues. There are a ton of examples, but I want to share some to support this is a real issue for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation