Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Credit Service International Corp
State: TX

Complaint narrative:
Dear Sir/Ma'am To whom it may concern I am a mother, a wife, and a student. I was in school taking classes and I became very hungry. So, I stepped out to go get lunch somewhere at XXXX XXXX XXXX. I got home that night, and I had severe XXXX XXXX I suspected it was XXXX XXXX. I rushed to XXXX XXXX XXXX because it was very close to my home. I explained my situation and everything that had happened ; I was attended to and XXXX ( see discharge note and time attached ). I do not remember all that happened that night as far as insurance was concerned but I am not sure why my insurance was not billed because I believe I had insurance at the time. But then I was XXXX, and I went home. Unfortunately, none of the medications I was XXXX with really helped because I had to take " PEPTO BISMOL '' which is an OTC medication. " XXXX XXXX '' did the magic for me. Well, I got better and moved on with my life. I never got any bill! The next thing I saw was a report of " {$2000.00} '' on my credit score from a collection agency ( And I barely saw this last year ). I was surprised and wondered where this report was coming from. I called the number available and was told it was from my visit on XX/XX/2022 at the XXXX XXXX XXXX ( address and phone number of hospital on my discharge note ). I was confused! I said to myself " What could I possibly be sick of to accrue a bill of " {$2000.00} ''. I do not have a XXXX XXXX and I was not XXXX. It was a " XXXX XXXX  ''. Then I became more curious and started calling the collection agency for more clarity as to the bill. I even called XXXX XXXX XXXX, but no one seemed to be giving me answers. I have been asking questions about the actual bill ; I wanted to see a breakdown of what was done in a visit that lasted less than XXXX hour. How did y'all come about this ridiculous amount and why was my insurance not billed instead ( because, again I believe I had insurance then ; it's been a minute, and I can't remember all that happened as far as insurance was concerned )? And even if I had to pay cash, for XXXX 's sake, it should never be this ridiculous because I was not dealing with a terminal illness. At the end of the day, the doctor 's office wrote me and gave me a vague explanation ( see attached ) and also attached the same bill from the collection agency showing how many times they have billed me ( which does not explain anything ). I believe I am being exploited, tortured, and threatened for being " sick ''. This has affected me mentally and has given me sleepless nights as I wonder exactly what is going on. I was lucky to have talked to a legal practitioner who advised that I reach out to CFPB XXXX. I have just noticed as I try to take a screenshot ( see attached ), I saw " opened since XX/XX/2022. It is interesting because I barely saw this on my report last year ( sometime in XXXX and I have been in communication with them ever since ). Also worth noting is that on their report they have " bad debt '' dated XX/XX/2022. I am not sure why there are so many inconsistencies in their response to me and so on. Having that on my credit report with no prior bill and not having an idea what is going on is just mentally disturbing! I have had to suffer this in the last few months as I tried to apply for credit even for a car loan and was turned down because it will reflect on my credit score and so on. I am a hard-working citizen and I have never had to ask or beg for anything for free. I try to work hard for myself and my family because I believe that there is dignity in labor. It's unfair to me that someone somewhere XXXX be trying to exploit, torture, and threaten my very existence for no reason. What could I possibly be sick of to accrue a hospital debt of {$2000.00} '' This is ridiculous! Please Sir/ma'am, I implore you to use your good office to look into this matter. Thank you in advance for your anticipated positive help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation