Consumer complaint received 2017-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Collections U.S.A., L.L.C.
State: FL

Complaint narrative:
Spring XXXX I paid a medical office a 6 month old balance that was due. I was never notified by the medical office that the account was in process of being sent to collections or was ever in collections. Paid the debt to the originator without any issue. A few days later, I received a highly abusive and manipulative letter from Credit Collections USA. It was written in all caps and sarcastic. It was threatening and insulting. Further the letter actually advised me to go to a bank, lie and take out a loan for " house repairs, student expenses, etc '' but to actually use it for the implied debt. Not only did I no longer owe the debt, I was astonished at the wording of the bill. Very disrespectful, abusive, and illegal. I contacted the doctors office, and they apologized profusely that the debt was newly sent or in process of being sold to collections, and the medical office then attempted to contact the debt collection company to notify them the debt is n't valid anymore ( as it was paid ), and cease their tactics. Credit Collections USA continues to harass me, and report on this debt in an effort to manipulate me to pay them off. The doctors office and I are n't sure why this company insists on reporting on a invalid debt. Unfortunately for months I have received nothing but threats and harmful actions from the collections company. They call me from blocked numbers, and different numbers demanding I pay them. Upon further review and investigation, I realized the debt they are attempting to collect is n't even mine, as the dates of delinquency and other details are severely inaccurate. They must have me confused with another, or someone is using my old information and debts to collect on- fraud. Credit collections USA is knowingly using an old, outdated, once valid debt owed that was paid to the Originator, and doctored/fudged the details to attempt to collect money from me. I 've tried to no avail to discuss this with them, but have received nothing less of serious verbal abuse and threats while they demand I pay them to have it removed. What they are reporting is grossly inaccurate. Even though their claim is entirely invalid as is their details on my credit report. They are XXXX mailing me. They have placed defaming notes and updates on my report when disputed, and ca n't be stopped from their damage. I have been a victim of IRS identity theft from XXXX and additionally am a victim of XXXX data breech. I have requested that they remove their inaccurate and invalid debt from XXXX as it is fraudulent. Credit Collections USA refuses to comply with FCRA laws, shows no integrity, no ethics, and has provided literally no legitimate, relevant, or recent proof to their claim of debt. This debt does n't exist. The type, information reported, and dates of delinquency are false. I 've never had an account with them, never owed any debt with the information Credit Collections USA are reporting. There was once a valid debt similar to the claim that Credit Collections USA is attempting to collect on, but that debt is paid in full to originator. Credit Collections USA has bought an old claim and fraudulently reporting on it in and attempt to collect. I want it removed immediately and blocked from my XXXX report, and I will continue to persist in holding this collections company legally responsible and accountable for their illegal harmful actions until it removed. I have all documents to support my case, including XXXX 's abusive letter. I have all records of any relevant or similar debt that XXXX has copied and used as black mail for payment. There is no ethical reason for this company to continue pursuing and fighting my efforts to have this removed- more than 14 disputes with Equifax XXXX Even though the debt is n't valid. XXXX has told me they will continue to update Equifax against me until I pay them money. CFPB should hold this company entirely accountable for their abusive and illegal actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation