Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Fidelity Services, LLC
State: MI

Complaint narrative:
My Complaint About Debt Collection Practices Company Name : Midwest Fidelity Service Account Number : Original Creditor : Quality Solutions -- - What Happened to Me I am filing this complaint regarding improper debt collection practices by Midwest Fidelity Service, acting on behalf of XXXX XXXX. Midwest Fidelity Service claims that I owe a balance of {$2200.00}, but I dispute this debt due to the following issues : 1. Failure to Provide Validation : I have not received a proper debt validation notice that proves : The legitimacy of the debt. 

The accuracy of the balance being collected. 
Proof that the debt was legally assigned or sold to Midwest Fidelity Service.

2. Lack of HIPAA-Compliant Authorization : This debt stems from medical services provided by XXXX XXXX  XXXX I have not received any documentation proving that a valid HIPAA-compliant authorization was provided, allowing the sharing of my protected health information ( PHI ) with Midwest Fidelity Service for collection purposes. 


XXXX. Conflicting Balances : Previous correspondence with XXXX XXXX, acting on behalf of XXXX XXXX, indicated a balance of {$1800.00}. Midwest Fidelity Service is now reporting a balance of {$2200.00}, which is inconsistent and requires explanation. This discrepancy raises concerns about inaccurate or improper billing. 


XXXX. Unclear Insurance Payment Application : There is confusion about how insurance payments were applied to this account. Midwest Fidelity Service has not provided documentation clarifying whether the balance reflects payments made by my insurance company or me directly.

5. Negative Credit Reporting : Midwest Fidelity Service has reported this account to credit bureaus as " collection/charge-off '', which is harming my credit standing. This reporting was done without proper debt validation or resolution of the disputed balance. 
What I Want Midwest Fidelity Service to Do To resolve this issue, I request the following actions : 1. Provide Full Validation : A detailed debt validation notice, including : Proof of the original services rendered.

A breakdown of the charges.

Documentation of the assignment or sale of the debt to Midwest Fidelity Service.

2. Prove HIPAA Compliance : Submit proof that a HIPAA-compliant authorization was obtained before transferring my medical billing information to Midwest Fidelity Service. This information is about substance abuse and mental health which requires special authorization. It is in the file they sent me.

3. Clarify the Balance : Provide a clear explanation for the balance discrepancy between Midwest Fidelity Services records ( {$2200.00} ) and the previously stated balance ( {$1800.00} ). Include a detailed accounting of any payments made and how they were applied.

4. Provide HIPAA Authorization : If no HIPAA-compliant authorization exists, confirm in writing that Midwest Fidelity Service is not authorized to possess or use my medical billing information for debt collection purposes.

5. Correct Credit Reporting : Remove the negative entry from my credit report or update it to reflect that the account is under dispute until the debt is validated.

6. Declare the Debt Invalid : If Midwest Fidelity Service can not provide adequate validation or demonstrate legal authorization to collect this debt, I request that the debt be declared invalid and immediately removed from collections.

-- - Steps I Have Already Taken I previously attempted to resolve this issue with XXXX XXXX and requested documentation to validate the debt. However, they failed to provide sufficient evidence. Midwest Fidelity Service is now attempting to collect the debt without addressing these prior concerns or providing the necessary validation.

-- - My Supporting Documentation Attached are : Correspondence with United Billing showing a differe
nt balance.

Screenshots of the Midwest Fidelity Service collection account from my credit report.

Any other supporting documentation related to the disputed debt.

-- - My Desired Outcome I request that Midwest Fidelity Service : 1. Provide adequate debt validation, including proof of the original charges and services rendered.

2. Submit HIPAA-compliant authorization or confirm that they are not authorized to possess or use my medical billing information. 


XXXX. Clarify discrepancies in the balance and explain how payments were applied. 


XXXX. Remove or correct any negative credit reporting related to this account. 


XXXX. Declare the debt invalid and immediately remove it from collections if sufficient validation can not be provided.

Company response to consumer: Closed with explanation