Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Capio Partners, LLC
State: PA

Complaint narrative:
I am filing this complaint regarding an improper debt re-aging incident and inadequate investigation conducted by XXXX  concerning an old debt that was re-reported and negatively impacted my credit score. 

In XX/XX/XXXX ( per my mortgage representative ), my credit scores were : ExperiaXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I worked diligently to raise my credit scores in preparation to purchase a home. After completing two recommended credit report adjustments, I was successfully preapproved for a mortgage and began house hunting. 

The only remaining negative item on my report was a medical debt from XXXX XXXX XXXX. This debt had been sold to XXXX XXXX, who then listed the account on my credit report with a Date Opened as XX/XX/XXXX, and updated it on XX/XX/XXXX. 

On XX/XX/XXXX, this account dropped from my credit report. 

However, on XX/XX/XXXX, this same debt reappeared under Capio Partners , LLC, who purchased the debt on XX/XX/XXXX. Capio Partners reported this account as a new debt, which constitutes unlawful re-aging of a debt. 

This re-reporting caused my XXXX  credit score to drop from XXXX ( XXXX ) to XXXX ( XXXX ), directly affecting my ability to secure a mortgage during a critical period in the home buying process. 

Of note : XXXX XXXX and Capio Partners , LLC are wholly owned by Capio Management LLC.

This debt should not have been reported as a new account given its age and prior reporting history. 

I filed a dispute with XXXX, and within 2 days ( over a weekend ), they marked the dispute as " resolved '' and stated the debt was " verified. '' My concern is not whether the debt is mine, but that Capio Partners and XXXX XXXX have unlawfully re-aged the debt, which is a violation of the Fair Credit Reporting Act ( FCRA ). I just received a letter yesterday that a new company has purchased the debt. It was removed from my credit report and will likely soon return yet again as new debt by XXXX XXXX, XXXX. Capio Partners sent me a letter in the mail stating that the debt had been sold by XXXX XXXX XXXX and now sold to XXXX XXXX. This debt has been charged off by XXXX XXXX XXXX. I'd like the assignment contracts from all the collection agencies involved ; these agencies don't own this debt unless they have the full chain of assignments per the supreme court case Green v PRA.

I am requesting : A full investigation into the re-aging practices of XXXX Capio Partners and XXXX XXXX, XXXX. 

That XXXX fulfill its duty to properly investigate disputes beyond merely confirming the debt exists. Their investigation was merely reaching out to Capio Partners, making them aware of the dispute and having THEM verify the debt. XXXX  did not perform any due diligence. They are complicit in allowing this illegal re-aging. 

I request that my credit score be restored to " good '' status as it was prior to the improper re-reporting and this debt be removed entirely from my credit profile.

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief