Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Transfinancial Companies, Inc
State: FL

Complaint narrative:
THIS IS NOT A DUPLICATE. THIS IS A NEW COMPLAINT WITH UPDATED INFORMATION REGARDING TO THE ALLEGED REPORTING COLLECTION ACCOUNT. 
Do not disregard this matter because you are choosing to continue to report inaccurate information. You have the responsibility to delete the account due to the information I have provided. Whether you choose to do the right thing or not, the account will be blocked and you will be sued. My letter will be resubmitted below.

I am writing this letter as a final form of communication with proof provided from the original creditor regarding an alleged debt reporting from TRANSFINANCIAL CO. This debt has a reporting balance of {$1100.00} and is reporting as a collection.

As you are able to see, I have disputed this debt on several occasions and as of recently, on the grounds of falsification and inaccuracy. I was recommended by Equifax to reach out to the original creditor regarding the debt to see if there was any further information they could provide to help my dispute since TRANSFINANCIAL continues to verify the debt based on them getting their information from the creditor. This is a medical debt that was a product of a hospital visit in XXXX of XXXX. 

At the time of my visit, the hospital WAS and IS XXXX XXXX XXXX XXXX. This can be validated by the original itemization invoice that I provided in my last dispute. Prior to this, the hospital was owned by a company known as XXXX XXXX. XXXX XXXX completed their acquisition of XXXX XXXX XXXX in XX/XX/XXXX, which was eight months prior to my visit. I find it very interesting that the XXXX documents that TRANSFINANCIAL is using as validation of the debt, are coming from XXXX XXXX and not XXXX XXXX XXXX. You can see this at the top of all of their documents. After reaching out to the hospital 's accounts department, they informed me that they had NEVER sent my information to a debt collector and that I had an account balance of XXXX. This is because as a not for profit hospital, XXXX XXXX made a charity care adjustment on my remaining balance, meaning that the amount being reported by TRANSFINANCIAL per XXXX XXXX, is falsified, unjustified and ultimately inaccurate as I have been stating! 

Because there is no balance and because I do not owe a company that was no longer in ownership of the hospital upon my visitation, there is no reason why this debt should continue reporting. Because I signed an agreement with TGH and not XXXX XXXX, there is no reason why XXXX should be sending my information to a debt collector to collect money for services that they never provided, for amounts that I never knew of. There is also no reason why a company that allegedly went bankrupt should be trying to profit from my medical information! 

Attached will be the letter received from XXXX confirming the amount balance of ZERO. Since it is a FDCPA violation for collectors to report settled or paid debts as unpaid, I am requesting this collection to be DELETED and cease its reporting from ALL credit bureaus immediately. May you be as prompt to delete this debt as you all were in reporting it and tarnishing my credit score and profiles.

Company response to consumer: Closed with explanation