Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
Summary of Complaint I am filing a complaint against XXXX XXXX XXXX XXXX and its collections vendor Medicredit for ongoing improper billing and unlawful debt collection activities related to a XXXX XXXX XXXX hospitalization. Despite multiple written disputes, XXXX  and Medicredit continued to send bills, assign new account numbers, and attempt collection after receiving a formal cease-and-desist and after acknowledging my dispute in writing. 

This appears to violate the FDCPA, Texas Debt Collection Act, Texas XXXX, and federal protections for consumers disputing medical billing errors. 

Background I was hospitalized at XXXX XXXX XXXX XXXX for XXXX XXXX  and XXXX. I immediately disputed all charges because the hospitalization resulted from preventable medical errors and safety failures. Multiple state and federal agenciesincluding XXXX  XXXX XXXX, CMS, XXXX, XXXX, XXXX, OIG, and the Joint Commissionhave open investigations or confirmed receipt of complaints relating to the care I received. 

I notified XXXX in writing of the billing dispute beginning in XX/XX/2025, and I repeatedly requested that all billing be paused while the matter was under review by regulators. 

Timeline of Billing Dispute & Collection Misconduct XX/XX/2025 : I submitted my first verbal and written billing dispute to XXXX regarding all charges related to the XXXX hospitalization. 

XX/XX/2025 : XXXX  billing department instructed me to send documentation to XXXX and told me to wait 1530 days. I complied. 

XX/XX/XXXX & XX/XX/2025 : I followed up twice because XXXX did not respond. No written resolution was ever provided. 

Multiple times from XXXX XXXX  : XXXX continued sending bills from various XXXX billing entities despite the dispute. 

XX/XX/2025 : XXXX acknowledged receipt of my dispute in writing. 

XX/XX/2025 : Medicredit signed for and acknowledged my certified cease-and-desist letter. Despite receiving this, they continued collection communications. 

XX/XX/2025 : A new Medicredit bill was issued referencing new account numbers, even though the debt is disputed and under investigation by regulators. 

XX/XX/2025 : XXXX again attempted to bill me despite the ongoing disputes, regulatory filings, and the fact that the balance should have been internally flagged and removed from active billing and collections. 

Why This Falls Under CFPB Jurisdiction Medicredit continued collection efforts after receiving a cease-and-desist. 
This is a direct FDCPA violation. 

Medicredit and XXXX attempted to collect on a debt that is disputed, unverified, and tied to ongoing regulatory investigations. 

XXXX repeatedly changed account numbers and continued billing despite being notified multiple times that the charges are under formal dispute. 

Consumer harm : - Time spent disputing - Emotional distress - Threat of credit damage - Ongoing harassment while recovering from life-threatening illness - Administrative burden of submitting evidence to multiple state/federal agencies Billing attempts continued while XXXX was under investigation by : - XXXX  XXXX XXXX ( multiple open cases ) - Texas XXXX ( submission acknowledged ) - CMS ( No Surprises portal ) confirmation # XXXX - Joint Commission safety event submission - Texas XXXX XXXX XXXXXXXX XXXX Texas Attorney General XXXX should not be permitted to continue billing or assign an account for collections while the matter is under formal dispute and active investigation. 

What I Am Requesting From CFPB - Immediate halt to all billing and collections activity by XXXX, Medicredit, and any affiliated billing entities. 
- Full investigation into XXXX 's and Medicredits FDCPA violations. 
- Removal of all collection activity from internal and external systems to prevent credit harm. 
- Written confirmation that the disputed account ( s ) have been suppressed and will not be sent to collections or negatively affect my credit report. 
- Requirement for XXXX to provide a formal billing determination or zero-balance resolution while regulatory investigations are pending. 

Attachments/ Evidence Available Upon Request I have available : - Certified mail receipts ( including Medicredits signed XXXX & XXXX ) - XXXX and Medicredit billing statements- Timeline of communication with XXXX - Emails confirming XXXX received dispute letters- Copies of regulatory complaints and investigation letters - XXXX XXXX and XXXX XXXX medical records documenting the hospitalization and subsequent care ( e.g., XXXX, XXXX, XXXX treatment ) - Example : XXXX  consult notes referencing XXXX  and hospitalization, XX/XX/2025 follow-up documenting clot progression and treatment - CMS complaint confirmations and uploads ( multiple files submitted ) - XXXX  complaint confirmations and uploads ( multiple files submitted ) I can upload any documents CFPB requests. 

Closing Statement I am asking the CFPB to intervene because both XXXX and Medicredit have repeatedly ignored my dispute, violated federal and Texas consumer protection laws, and continued billing and collection actions despite active investigations and clear written instructions to cease contact. 

Thank you for your attention. I am prepared to supply the full documentation packet upon request.

Company response to consumer: Closed with explanation