Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MiraMed Revenue Group LLC
State: FL

Complaint narrative:
To Whom It May Concern : I am filing this complaint against XXXX XXXX XXXX and MiraMed Revenue Group for improper medical billing, failure to bill insurance correctly, and unfair debt collection practices in violation of the Fair Debt Collection Practices Act ( FDCPA ) and federal insurance billing regulations. 

Summary of the Issue : I received medical care at XXXX XXXX XXXX and provided both my XXXX and XXXX insurance information at the time of service. 

Despite having both insurance coverages, XXXX XXXX failed to properly bill my insurance providers. 

Because of this billing error, I was wrongfully left with a balance that should have been covered by insurance. 

Instead of correcting the billing issue or submitting the claim properly, XXXX XXXX sent the account to MiraMed Revenue Group for collection. 

I received one text message from MiraMed and then called to inquire about the debt. 

During the phone call, the representative stated that if I set up a payment plan, the debt would not be reported to credit bureaus. 

When I requested written confirmation of that statement, the representative refused, saying, We cant put that in writing ; its on a recorded line.

I have never received any written validation notice or letter from MiraMed regarding this alleged debt. 

When I explained that XXXX and XXXX should have been billed, the MiraMed representative told me the billing issue was my fault, which is false and inappropriate. 

Violations and Concerns : Failure to bill insurance : XXXX XXXX failure to properly bill both my primary ( XXXX ) and secondary ( XXXX ) coverage violates insurance coordination and XXXX billing requirements. 

Unlawful collection attempt : Sending the account to collections without first correcting the insurance billing issue resulted in an invalid debt. 

FDCPA violations by MiraMed : Failure to provide written validation of the debt within five days ( 15 U.S.C. 1692g ( a ) ). 

Making false or misleading statements about credit reporting ( 15 U.S.C. 1692e ).

Attempting to collect an amount not legally owed ( 15 U.S.C. 1692f ). 

Requested Action : Investigate XXXX XXXX XXXX billing process and ensure the claim is properly submitted to XXXX and XXXX. 

Require MiraMed Revenue Group to cease all collection activity and provide full written validation before contacting me again. 

Ensure that no negative credit reporting occurs while the billing issue is under investigation or correction. 

Require XXXX XXXX to rebill my insurance and provide a corrected explanation of benefits. 

My Contact Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Email : XXXX Debt Collector Information : MiraMed Revenue Group , LLC Phone number used : XXXX Date of text : XXXX Date of call : XXXX Hospital Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Insurance Information : Primary : XXXX Secondary : XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation