Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Universal Envoy Corporation
State: MD

Complaint narrative:
This complaint is an ongoing complaint filed XX/XX/2023 against Universal Collection XXXX. The " fradulent '' collection agency has manipulated the CFPB, and the consumer. Universal Collection XXXX " failed '' to provide valid contact information for original creditor. The underhanded collection agency ( Universal Collection ) failed to identify to the CFPB, and the consumer of the following facts, ( 1 ) The collection company ( Universal Collection XXXX ) is the billing company for the provider ( creditor ), ( 2 ) XXXX, confirmed on XX/XX/XXXX, Universal Collection XXXX never submitted the medical claim for payment. In fact, if Universal Collection XXXX timely submitted the alleged medical debt of ( {$500.00} ), XXXX would have paid the claim as they paid XX/XX/2023 ( 3 days ). Universal Collection XXXX submitted a " TIMELY FILING '' with XXXX because they " NEVER '' submitted the claim, and their underlying purpose and intent was to harass, aggravate, and irresponsibly report false information to the credit reporting agencies, despite the consumer numerous requests to simply validate the alleged medical debt. The collection agency have a responsibility to validate and report accurate infroamtion, especially when the consumer disputed the medical debt ( 39 times ). The consumer has possession of the invoices from both XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, which clearly and indisputably shows, the claims submitted for the date of service was immediately paid upon receipt of the claim. The deceitful medical debt alleged by Universal Collection XXXX is for a emergency room physician, who failed to follow the streamlined process to submit, and receive payment. In turn, Universal Collection XXXX unjustly reported and continued to report the alleged medical debt after the consumer repeatedly requested them to validate the alleged collection account. 



denied she was responsible for. If in fact the underhanded collection agency ( original billing company ) would have validated the account as the consumer asked over the last two years, the damage to the consumers credit score and credit worthiness ( negative reporting to the credit reporting agencies ) would not have occurred. This is a heinous, manipulative and intentional error by the underhanded and deceitful collection agency. Collection agencies have a " REQUIRED '' duty per FDCPA, FTC, CFPB to validate information for accuracy prior to reporting the credit agencies. Underhanded collection agencies such as ( Universal Collection Agency, XXXX MD ) run-a-muck and take advantage of consumers daily. Universal Collection XXXX " Failed '' to perform collection activities in accordance with Federal agencies, but rather accumulated several FDCPA violations. Not only did the deceitful company refuse to validate the accuracy of the account, they refused to provide the contact information for the original creditor.. Universal Collection XXXX wears two hats... the billing office for the provider, and the collection agency for the provider. Universal Collection XXXX manipulated the consumer into paying money, which they knew she did not owe, repeatedly harassed the consumer to pay the account balance, threatened to continue reporting inaccurate and negative ( damaging ) information to the credit reporting agencies, unless she paid the account - ( money she did not owe ), refused to validate the account information as requested numerous times by the consumer over two years, just to identify a few of the violations by Universal Collection XXXX. 
in accordance with the FDCPA. Universal Collection XXXX is disgusting to say the least, and prey on innocent consumers to make illegal profit and gain. Universal Collection XXXX is a prime example of what the XXXX XXXX refer to as " illegal underhanded rogue collection agency that works above, around, and below the laws established by the FTC, and FDCPA. They " SHALL '' be held accountable for their intentional and deliberate harm to the consumer " credit worthiness '' and " credit standing ''. Everyone reports to a higher chain if command. Universal Collection XXXX was fully aware of their manipulative actions. This alleged collection agency " DOES NOT '' work directly for XXXX XXXX nor there subsidiaries, but instead work independently for that particular emergency room physician. And, that is why XXXX nor XXXX XXXX could find the alleged claim. The emergency room physician intentionally requested and took on the task ( responsibility ) to bill the consumer directly, which in fact he failed to do, rather billing the consumer. The physician employed this unintelligible collection agency to bill patients accounts, that he treated in XXXX XXXX emergency room. The only reason this unintelligible collection agency finally removed the collection account from the consumer credit report... was because they had no choice .. and could no longer cover the lies they reported to the three credit reporting agencies, CFPB, FDCPA , FTC , and the consumer. Universal Collection XXXX need to be put out of business permanently. The unintelligible collection agency committed " FRAUD '' when they finally submitted the claim to XXXX ( years later ) for payment. XX/XX/2023, Universal Collection XXXX submitted the alleged medical claim for {$500.00}, when in fact the consumer paid {$25.00} leaving an unpaid balance of {$470.00}. They have continuously " lied '' throughout this entire investigation. The consumer disputed the invalid collection account with all three credit reporting agencies, prior to contacting the CFPB. Universal Collection XXXX takes no responsibility for their deceitful and unlawful collection activity, and prey on Innocent consumers. The consumer demands the return of the money she was manipulated and forced into paying, plus interest, points returned to her XXXX score, and compensation for every violation they needlessly subjected the consumer too. The " Only '' way to hold these money hungry collection agencies accountable, is to bring exposure, and file charges with the CFPB, FTC, FDCPA, Director of the CFPB. Universal Collection XXXX had so much too say .... they were so adamant with their deceitful lies, alleging the consumer owed the medical debt ( she continued to disput ). 
Prior to filing in MD XXXX XXXX, the consumer request CFPB XXXX XXXX XXXX, FDCPA, FTC XXXX XXXX XXXX, XXXX MD XXXX XXXX, MD XXXX Attorney XXXX XXXX to resolve the intentional and willful violations filed against Universal Collection XXXX XXXX XXXX XXXX, MD. Request a blind copy be submitted to the White House XXXX XXXX XXXX XXXX to show a first hand example of a ruthless and predatory collection agencies. This claim filed with the CFPB, against Universal Collection XXXX is for every consumer which they manipulated, and reported invalid information to the three credit reporting agencies.

The entire time this fraudulent collection agency was responding to the CFPB, they already had filed the claim with XXXX for payment. I retained a copy of communication which may be used to support this claim. 

" If a consumer prove a violation occurred, you may be awarded {$1000.00} in damages for each offense, plus additional compensation for any actual harm they caused. If you win, the collector may also be responsible for paying your lawyer fees and costs ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief