Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Business & Professional Collection Service Inc
State: TX

Complaint narrative:
I am writing to file a complaint regarding the illegal reporting of a medical debt by a third-party collection agency to my credit reports. This reporting is in violation of my rights, and despite my attempts to resolve the issue, the debt continues to negatively impact my credit score. 

Specifically, the collection agency has reported a medical debt on my credit report without my consent or proper validation. The details of the issue are as follows : Illegal Reporting of Medical Debt : A third-party collection agency has reported a medical debt to all three major credit bureaus ( XXXX, XXXX, and XXXX ) XXXX I do not recognize as valid. I have not received proper notice or validation of the debt as required by law under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

No Notification or Validation : I have not been provided with adequate written validation of this debt, as required by law, nor have I received any initial communication from the collection agency within the timeframe specified by the FDCPA. 

I have attempted to resolve this issue by [ briefly describe any attempts to dispute or resolve the issue, such as contacting the collection agency, submitting dispute requests, etc. ], but the collection agency has failed to provide validation or remove the inaccurate information from my credit report. 

I am writing to file a complaint regarding the illegal reporting of a medical debt by a third-party collection agency to my credit reports. This reporting is in violation of my rights, and despite my attempts to resolve the issue, the debt continues to negatively impact my credit score.

Specifically, the collection agency has reported a medical debt on my credit report without my consent or proper validation. The details of the issue are as follows : Illegal Reporting of Medical Debt : A third-party collection agency has reported a medical debt to all three major credit bureaus ( XXXX, XXXX, and XXXX ) that I do not recognize as valid. I have not received proper notice or validation of the debt as required by law under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

No Notification or Validation : I have not been provided with adequate written validation of this debt, as required by law, nor have I received any initial communication from the collection agency within the timeframe specified by the FDCPA. 

I have attempted to resolve this issue by [ briefly describe any attempts to dispute or resolve the issue, such as contacting the collection agency, submitting dispute requests, etc. ], but the collection agency has failed to provide validation or remove the inaccurate information from my credit report. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that this collection agency is held accountable for their unlawful reporting and failure to comply with credit reporting regulations. 

Thank you for your attention to this matter. Please contact me if you need any further information or documentation to support my complaint. 

Thank you for your attention to this matter. Please contact me if you need any further information or documentation to support my complaint.

Company response to consumer: Closed with explanation