Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
I am submitting this complaint because a derogatory collection/charge-off account reported by MCA MGMNT CO is appearing on my consumer credit report and the company has not provided any legally required validation, documentation, or proof that the alleged account is accurate, legitimate, or belongs to me. Despite multiple dispute attempts through the credit reporting agencies, the negative account continues to appear, and no supporting documentation has been supplied. Because of this, I believe MCA MGMNT CO and the credit bureaus involved may be violating the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Discovery of the issue and initial actions taken I first became aware of the MCA MGMNT CO collection account while reviewing my credit reports from the nationwide credit reporting agencies. The report showed that MCA MGMNT CO is reporting a derogatory account with a past-due balance of approximately {$5700.00}, marked as a collection/charge-off item. It appears only on one bureau, which immediately raised concerns about accuracy and consistency. If this were a legitimate account with proper documentation, it would generally be reported uniformly across all credit bureaus.

Upon discovering this negative item, I took the required steps under the FCRA to dispute the accuracy of the information. I submitted written disputes to the credit reporting agency reporting the account. In my dispute, I requested a reinvestigation and asked for the method of verification used to confirm the accuracy of the information, as required under FCRA 611 ( a ) ( 6 ).

Lack of documentation or validation from MCA MGMNT CO After submitting disputes, I expected, as the law requires, that MCA MGMNT CO would furnish the necessary documentation to verify the account. However, MCA MGMNT CO has never provided : A copy of the original signed agreement A contract or application with my signature Any billing statements A complete payment history Itemized charges Documentation showing how the final balance was calculated Proof that MCA MGMNT CO owns or has legal authority over the alleged debt Copies of notices allegedly sent before reporting the debt Under FDCPA 809 ( b ), when a consumer disputes a debt, the debt collector must cease all collection activityincluding reporting to the credit bureausuntil it provides written validation. Reporting a debt on a credit report is considered a form of collection activity, because it pressures consumers into payment by damaging their credit.

Since MCA MGMNT CO has never provided validation, the continuing presence of this account on my credit file appears to be a violation of federal law.

Credit reporting agency responses did not include proper verification Each time I disputed the entry through the credit reporting agency, I received a generic response stating that the account was verified or updated. However, the bureau did not provide : The specific method used to verify the information The documents MCA MGMNT CO supplied The name of the individual who verified the debt The system used for verification Whether e-OSCAR or an automated system was used Any proof of physical documents or evidence The FCRA requires that reinvestigations be reasonable, yet the bureau appears to have relied solely on automated electronic confirmation from MCA MGMNT CO without any actual documentation review. Automated responses without documentation do not satisfy the requirement for a reasonable reinvestigation under FCRA 611 ( a ).

In addition, when I asked for the method of verification, the bureau did not provide a legally acceptable answer. They did not disclose how the information was verified, nor did they provide the documentation MCA MGMNT CO claimed to have. This suggests that either MCA MGMNT CO did not provide documents or the bureau did not request them.

Inconsistencies in reporting and lack of complete or accurate data This account appears only on one bureau, which suggests inconsistent or unreliable reporting. When a furnisher reports to only one bureau, it often indicates : A lack of proper documentation Incomplete or inaccurate reporting practices A debt purchaser using low-quality records Automated or mass-uploaded data without supporting evidence Furthermore, the information being reported is incomplete. The tradeline lacks : The date the debt allegedly became delinquent The date the alleged account was opened The date of last payment Identification of the original creditor A clear explanation of how the balance reached {$5700.00} Incomplete reporting violates FCRA 602 ( A ), which states that consumers have the right to fair and accurate reporting.

Failure to report the account as disputed Under FCRA 623 ( a ) ( 3 ), once a consumer disputes a debt, the furnisher is required to report the account as disputed to all credit reporting agencies. This requirement is mandatory, and failure to mark an account as disputed is considered misleading.

Despite my disputes, the MCA MGMNT CO account continues to appear without any dispute notation, which misleads lenders and violates the requirement to report accurate information.

This failure suggests that MCA MGMNT CO has not properly responded to disputes, has not reviewed the matter, and may not have followed the required steps for handling consumer disputes.

Possible violations of federal consumer protection laws Based on my experience, MCA MGMNT CO and the credit bureau reporting the account may have violated multiple provisions of federal law : FCRA Violations 602 ( A ) : Failure to uphold the standard of fair and accurate reporting 607 ( B ) : Failure to follow reasonable procedures to ensure maximum accuracy 611 ( A ) : Failure to conduct a reasonable reinvestigation 611 ( a ) ( 6 ) : Failure to provide a method of verification 623 ( a ) ( 3 ) : Failure to report the account as disputed FDCPA Violations 807 ( 8 ) : Communicating or threatening to communicate false credit information 809 ( b ) : Continuing collection/reporting activity without validating the debt If MCA MGMNT CO lacks documentation, continuing to report the debt is unlawful.

Harm suffered due to the inaccurate reporting Because of this unverifiable and derogatory reporting, I have experienced negative consequences including : Lower credit scores Denied credit applications Higher interest rates Difficulty securing financing Emotional and financial stress Damage to my financial reputation The presence of an unvalidated derogatory collection item has an immediate and long-term negative impact on a consumers ability to obtain credit, employment, housing, insurance, and more.

Procedural negligence in dispute handling From what I can see, the credit bureaus dispute process appears to have been automated and superficial. Instead of reviewing actual documents, it appears the bureau simply sent an electronic code to MCA MGMNT CO through e-OSCAR, and MCA responded with another electronic code.

Under FCRA, dispute investigations can not rely solely on electronic data exchanges. Furnishers must have actual evidence that the debt is legitimate.

MCA MGMNT CO appears to have no documentation to support the debt. Instead, it is providing verified responses without supplying evidence.

No evidence of a reasonable investigation by MCA MGMNT CO When a debt is disputed, the furnisher must conduct a reasonable investigation under FCRA 623 ( b ). That includes : Reviewing original documents Checking account records Confirming the identity of the consumer Verifying amounts and dates Nothing MCA MGMNT CO has done suggests any reasonable investigation occurred. If they had reviewed documents, they would have been able to provide those documents to the credit bureau or in response to my disputes. Since no documents exist or have been provided, the account should not be reported.

Debt validation was never provided Under the FDCPA, if a consumer disputes a debt in writing, the debt collector must provide : The amount of the debt The name of the original creditor Proof that the collector owns or was assigned the debt A copy of the original signed contract A full account history MCA MGMNT CO has never provided any of this.

Continuing to report the account without validation violates FDCPA 809 ( b ), which requires collection activity to stop until validation is provided.

Credit reporting is collection activity.

My actions to resolve the issue I have : Obtained full credit reports Identified the inaccurate and unverifiable MCA MGMNT CO tradeline Submitted multiple written disputes to the reporting credit bureau Requested validation under FDCPA 809 Requested the method of verification under FCRA 611 ( a ) ( 6 ) Asked for copies of all documents MCA MGMNT CO provided Asked for proof of ownership and assignment Asked for the complete accounting history Requested all notices of delinquency Re-disputed the account when new information failed to appear Despite all these steps, neither MCA MGMNT CO nor the bureau provided any documents.

Why the CFPBs involvement is now necessary Because the credit reporting agency continues to publish the account without documentation and MCA MGMNT CO continues to verify it without providing evidence, CFPB oversight is necessary to ensure compliance with federal law.

MCA MGMNT CO should not report a debt it can not validate, and the credit bureau should not keep a tradeline that can not be verified.

Summary of the problem In summary, here is what happened : A derogatory MCA MGMNT CO account appeared on my credit report.

I disputed the account multiple times.

MCA MGMNT CO failed to produce validation.

The credit bureau verified the account without supplying evidence.

No original documents or proof of debt ownership were provided.

The account is not reported uniformly across all bureaus.

The account is missing critical information.

The account is not marked as disputed.

The credit bureau did not provide the method of verification.

MCA MGMNT CO continues reporting despite having no evidence.

This has harmed my creditworthiness and caused financial and emotional distress.

Because federal law requires accuracy, verification, and fair treatment, the continued reporting of the unvalidated MCA MGMNT CO account is improper and unlawful.

Closing Statement I am submitting this CFPB complaint so that an independent regulatory agency can require MCA MGMNT CO to either : Provide full legal validation and all documentation required under FCRA and FDCPA ; or Delete the account from my credit reports immediately if validation is not possible.

I am also asking the CFPB to review the credit bureaus reinvestigation process to ensure it complied with all FCRA requirements.

Until valid documentation is produced, the derogatory MCA MGMNT CO account should not appear on any consumer credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief