Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
Synerprise Consulting Services ( SCS ) is furnishing a collection tradeline to the credit reporting agencies for an alleged debt with Original Creditor : XXXX XXXX XXXX XXXX, which is a medical provider. This is therefore a medical collection. However, the tradeline is being furnished in a way that does not properly identify and code it as medical and is misleading/inaccurate. 

How it is reporting ( as shown on my credit report ) : Furnisher/Collection Agency : SCS / Synerprise Consulting Services Address XXXX XXXX XXXX, XXXX, KS XXXX XXXX : ( XXXX ) XXXX Date Opened : XX/XX/XXXX Date Updated : XX/XX/XXXX High Balance / Past Due : {$1500.00} Pay Status : Collection Remarks : Account information disputed by consumer ( FCRA ) and/or Placed for collection Account Type listed as : Open Account Loan Type listed as : Collection Agency/Attorney Estimated removal : XXXX/XXXX This furnishing is inaccurate and incomplete because it fails to properly categorize and report this account as a medical collection and fails to provide the basic detail needed to verify accuracy ( dates of service, itemization, insurance/EOB processing history, and the basis for the balance and delinquency timeline ). Medical collections are subject to special credit reporting restrictions and the way SCS is coding this tradeline appears designed ( or negligently structured ) to avoid those rules.

In addition, the nationwide credit bureaus announced changes requiring that medical collection debt not be included until after a waiting period ( 365 days ) and that medical collections under {$500.00} not be included. SCS is furnishing a tradeline tied to a medical provider but not clearly reporting it in a compliant medical collection manner, which is inaccurate/misleading. 

SCS is a furnisher and is required to investigate disputes and can not avoid that duty or perform a superficial review. SCS is also required to furnish information with accuracy and correct or delete information that can not be substantiated under FCRA 623 ( and related Regulation V obligations ).

FCRA 623 Inaccurate / misleading furnishing : SCS is furnishing a medical collection but coding/reporting it in a misleading manner ( Open Account / Collection Agency/Attorney ) without clearly identifying it as medical and without substantiating the data fields being reported ( balance, delinquency timeline, and basis for the debt ). Furnishers must not furnish inaccurate information and must correct inaccurate or incomplete information after investigation. 

Failure to conduct a reasonable investigation of disputes : When disputes are submitted through credit reporting agencies, SCS must conduct a reasonable investigation and review relevant informationnot simply confirm by internal matching. CFPB has stated furnishers can be liable if they fail to investigate disputes properly. 

Medical debt reporting compliance : The CRAs publicly implemented special medical collection reporting rules including the 365-day waiting period and {$500.00} threshold. SCSs furnishing does not clearly comply with medical collection reporting standards and appears misclassified.

Company response to consumer: Closed with explanation