Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Specialized Collection Systems, Inc.
State: TX

Complaint narrative:
I am requesting an investigation into a company that is fraudulently reporting a {$760.00} collection account on all three of my credit reportsXXXX XXXX XXXX XXXX I contacted the company on XX/XX/XXXX in an attempt to obtain clarification regarding this alleged debt and how it was incurred. However, I was unable to obtain any verification or supporting documentation. Additionally, I am experiencing difficulty disputing this inaccurate information on my credit report. XXXX has indicated that my dispute is considered frivolous, even though I am attempting to verify information that I believe is fraudulent and damaging to my credit. To date, I have not received proper verification or supporting documentation from either the collection agency, XXXX Specialized Collection Systems , Inc., or XXXX that is detailed with the XXXX Hospital Billing Itemized Statement per my request on XX/XX/XXXX for {$500.00} ( same services ). XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Re : Dispute of Inaccurate Credit Reporting Specialized Collection Services ( Medical Debt Collection ) Reference Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing to dispute the accuracy and validity of a medical collection account reported on my XXXX credit report by XXXX XXXX XXXX in the amount of {$760.00}. I dispute this information because : XXXX. I do not believe this debt is valid or properly verified, and Specialized Collection Services has failed to provide validation of the debt despite my written request. Under the FDCPA, a debt collector that reports a debt to a credit reporting agency is required to provide verification of that debt upon written request. I mailed a certified letter to Specialized Collection Services requesting validation and verification of this alleged debt approximately XXXX days ago, and I have not received a response or validation. Consumer Financial Protection Bureau XXXX. Medical debt carries special reporting protections ; medical debts must be accurately reported with documentation of the amount, original creditor, dates, and proof of verification. If the collector can not verify the debt, it should not be reported to the credit bureaus. Therefore, I am requesting that Equifax : Investigate this disputed account under the Fair Credit Reporting Act ( FCRA ) by contacting the furnisher ( Specialized Collection Services ) for verification and documentation. Delete this item from my credit report if the debt can not be properly validated within the time period allowed by law. Update my credit file and notify me in writing of the results of your investigations. Debt Validation Request ( FDCPA ) : Under the Fair Debt Collection Practices Act, I am also requesting that Specialized Collection Services provide validation and verification of the debt, including : The name of the original creditor and address ; Documentation showing the debt belongs to me ; A complete itemized account statement showing how the alleged amount was calculated ; Proof the collection agency has legal authority to collect this debt ; Documentation showing chain of ownership of this debt. Consumer Financial Protection BureauXXXX Since I have not received proper validation, I am disputing this debt and request that any and all furnishing of this information to credit reporting agencies be suspended until it is properly verified. Notice of Further Action : If this account is not verified, or if you fail to remove this inaccurate information from my credit report, I will be filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and any other applicable regulatory agencies. I have enclosed copies of the letter I sent to Specialized Collection Services and the certified mail return receipts. Consumer Financial Protection Bureau Please complete your investigation and provide written confirmation of your results within the timeframe required by the FCRA. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation