Consumer complaint received 2026-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical-Commercial Audit Inc
State: GA

Complaint narrative:
On XX/XX/year>, I entered into a binding, written pay-for-delete contract with MCA Collection Agency representative XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX explicitly stated in writing via email : " we will delete from your credit once this is paid, we update credit bureau every friday ''. On that exact same day, XX/XX/year>, I executed the payment in full. I paid a total of {$69.00} ( the {$66.00} original debt plus an additional online credit card transaction fee to which I consented for immediate processing ) under Confirmation # XXXX. On XX/XX/year>, XXXX XXXX replied in writing, confirming : " Thank you, you are all paid will delete from your credit. '' Despite the item initially being flagged for removal, MCA Collection Agency has illegally re-entered this item onto my credit profile with completely fabricated, falsified, and manipulated metadata to hide my payment and extort a second payment from me. A direct comparison of my credit reports reveals massive, illegal data manipulation. In my report dated XX/XX/year>, the collection was reported on XX/XX/year>. In the new XX/XX/year> report, MCA altered the " Date Reported '' and " Balance Date '' backward to XX/XX/year>. This backdating is a deliberate attempt to erase the electronic footprint of the XX/XX/XXXX payment timeline. Furthermore, the account is re-entered and flagged as " UNPAID '' with a balance of {$66.00}, completely ignoring the fact that they processed my {$69.00} payment. By pushing a settled tradeline back onto my report as an active, uncollected collection with falsified dates, this agency is intentionally trying to force me to pay the identical debt a second time to rescue my credit rating. MCA Collection Agency and XXXX XXXX are violating FDCPA 15 U.S.C. 1692e ( 2 ) ( A ) & 1692e ( 10 ) by utilizing false, deceptive, and misleading representations regarding the character, amount, and legal status of a debt. Displaying a fully settled account as an active, " UNPAID '' collection to induce a double payment is flatly illegal. Furthermore, under FCRA 15 U.S.C. 1681s-2 ( a ) & ( b ), as a furnisher of information, MCA is strictly prohibited from uploading data they knowor consciously blind themselves to knowingis inaccurate. Furnishing an " UNPAID '' status and altering reporting dates after executing a pay-for-delete contract constitutes a malicious, willful violation. I demand that the CFPB compel MCA Collection Agency and XXXX XXXX to immediately and permanently DELETE this fraudulent, manipulated tradeline from XXXX and all other consumer reporting bureaus. Furthermore, due to the willful non-compliance, extreme bad faith, breach of written agreement, and the XXXX XXXX caused by trying to extort a duplicate payment, I am demanding the maximum statutory civil penalty of {$1000.00} in damages as authorized under 15 U.S.C. 1692k and 15 U.S.C. 1681n.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief