Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
I am filing a complaint against Credit Corp Solutions for attempting to collect an invalid and unverified debt, sending conflicting documentation regarding the ownership of the debt, and engaging in deceptive, unfair, and abusive debt collection practices in violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2. 

1. Misleading and Conflicting Documentation - On XX/XX/year>, I contacted Credit Corp Solutions after receiving a pre-legal notice that listed The XXXX XXXX XXXX XXXX XXXX XXXX original creditor and XXXX XXXX as the current creditor. 
- When I asked for debt validation, the representative was rude, dismissive, and repeatedly insinuated that I was lying instead of providing the legally required documentation. 
- The only validation I received was a duplicate of the same pre-legal notice, except this time the " current creditor '' was changed to Credit Corp Solutions instead of XXXX XXXX. This raised serious concerns about the legitimacy and accuracy of their records, creating further inconsistencies regarding the true ownership of this debt. 
- When I called them out on this discrepancy, the representative refused to provide any further proof, continued to imply that I was being dishonest, and hung up on me. 
- On XX/XX/year>, I received another pre-legal notice from Credit Corp Solutions, but this time, the letter did not include the name of the current creditor at all. This omission raises further concerns about the legitimacy of this debt collection attempt. A debt collector is required to provide clear and accurate information, including the name of the entity that currently owns the debt. 
- The fact that I have now received three different communications with conflicting or missing information regarding the creditor suggests potential violations of the Fair Debt Collection Practices Act ( FDCPA ) and misrepresentation of the debt. 

2. Failure to Provide Proper Debt Validation Despite my written request for debt validation, Credit Corp Solutions has failed to provide any of the following legally required documentation : Proof of Legal Ownership of the Debt - A copy of the assignment or sale agreement proving that Credit Corp Solutions legally owns or has the right to collect on this debt.

- If another entity still owns the debt, written proof of Credit Corp Solutions ' authority to collect. 

Complete Account and Billing History - A detailed breakdown of the alleged balance, including all charges, adjustments, and payments made. 
- A line-by-line itemized statement showing the services or products billed and the corresponding amounts. 

Original Signed Agreement or Contract - A copy of any contract, financial agreement, or consent form that I allegedly signed, demonstrating that I agreed to the specific charges now in dispute. 

Proof That the Services Billed Were Actually Rendered - Official treatment records and clinical notes verifying that each billed service was completed. 
- Before and after photos ( if applicable ) confirming that all procedures were performed. 
- Signed patient acknowledgment forms confirming I accepted and received all services billed. 
- Any evidence that the amount being collected is correct and not subject to errors, miscalculations, or disputes. 

Instead of providing any of this, they sent me another pre-legal notice on XX/XX/year>, despite failing to validate the debt. 

Why This Is a Violation of Consumer Protection Laws : - Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, a debt collector must provide proper validation of a debt upon request. Credit Corp Solutions failed to do so and instead sent conflicting information. 
- Under the Fair Credit Reporting Act ( FCRA ), a debt can not be reported unless it is accurate and verifiableyet they have sent conflicting information on who even owns the debt. 
- Under the Consumer Financial Protection Act, debt collectors must not use deceptive, misleading, or unfair practicesbut they have sent two different letters with conflicting ownership claims. 
- The representatives rude and unprofessional behavior, as well as their refusal to provide validation, suggests an intentional attempt to intimidate and mislead me instead of following legal procedures. 

This account was also reported for fraud back in XX/XX/year>. Fraud report attached.

Company response to consumer: Closed with explanation