Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Corporation
State: SC

Complaint narrative:
Request for Removal of Medical Debt Due to Mismatched Information Across Credit Bureaus, Incorrect Billing Dates, and Lack of Notification of Collection I am writing to formally request your assistance in addressing a medical debt that has been reported to the three major credit bureaus. The debt, in the amount of {$1100.00}, was reported by Receivables Management Corporation under account number XXXX. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) review this situation and facilitate the removal of this debt from my credit reports due to incorrect billing dates, mismatched information across the credit bureaus, and the failure to notify me of the collection. 

The details of the medical debt are as follows : Creditor Name : Receivables Management Corporation Account Number : XXXX Amount of Debt : {$1100.00} Date of XXXX XXXX : XX/XX/XXXX and XX/XX/XXXX There are several issues with this debt that I believe warrant removal from my credit reports : Incorrect Billing Dates : When I requested an itemized report from Receivables Management Corporation, I noticed discrepancies in the billing dates. The creditor 's report states that the charges are from XX/XX/XXXX to XX/XX/XXXX. However, the actual medical reports I received show that the services were provided between XX/XX/XXXX and XX/XX/XXXX. This inconsistency in the dates is significant and creates confusion about the actual services provided and the amount owed. The differing dates between the creditor 's report and the XXXX XXXX reports suggest errors in the reporting, which XXXX have led to inaccurate billing. 

Mismatched Information : There are discrepancies in how this debt is reported across the XXXX credit bureaus. Specifically, the amounts, dates, and account numbers vary between XXXX, XXXX, and XXXX, which creates confusion and misrepresentation of my credit history. These errors are harmful and unfairly impact my credit score.

Failure to Notify Me of the Collection : I was not properly notified of this debt being sent to collections. I did not receive any direct communication, such as a letter or phone call, informing me that this debt would be reported to the credit bureaus or that it had been handed over to a collections agency. Under the Fair Debt Collection Practices Act, I should have been notified and given an opportunity to address the matter before it negatively impacted my credit. 

To support my request, I have attached the following documentation : A copy of my credit reports from the XXXX bureaus showing the discrepancies and the collection entry. 
Copies of medical reports or payment records that reflect the correct billing dates. 
The itemized report from Receivables Management Corporation, highlighting the discrepancies in the billing dates. 
Correspondence with Receivables Management Corporation, the XXXX provider, insurance company, or other related entities that address the billing issues. 
Proof that I was not notified about the collection ( such as lack of communication or any other relevant documentation ). 
Given these issues, I respectfully request that the CFPB investigate this matter and assist in removing this medical debt from my credit reports. The incorrect billing dates, mismatched information across the bureaus, and failure to notify me of the collection all contribute to an inaccurate and unfair credit report that negatively impacts my financial situation. 

If you require any additional information or documents to support my case, please feel free to contact me at XXXX or via email at XXXX. I greatly appreciate your time and assistance in resolving this matter. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation