Consumer complaint received 2025-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Credit Service Company, INC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Date : XX/XX/XXXX Credit Service Company , Inc . 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CO XXXX Subject : Formal Dispute of Debt Reporting and Demand for Removal Account Number : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : I am writing to formally dispute the collection account referenced above, which you have reported, and which currently appears on my credit report. This is to inform you that I previously notified your company in writing that I am not responsible for this debt and requested that you cease all communication with me regarding it, as provided under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ).

Despite my notification, this account remains on my credit report, and your continued reporting of this account constitutes a willful and repeated violation of my rights as a consumer under the FDCPA. According to the law : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 
Your continued reporting of this disputed debt to credit reporting agencies despite my clear refusal to accept responsibility is not only a violation of the FDCPA but also harmful to my financial reputation. I demand that you : XXXX. Immediately remove this collection account from all credit reporting agencies. 
XXXX. Cease any and all reporting of this account to any credit reporting agencies in the future. 
XXXX. Provide written confirmation of the removal of this account within 30 days of receipt of this letter. 

Failure to comply with this demand will leave me with no choice but to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office in my state. I will also consider pursuing legal action to enforce my rights under the FDCPA.

This letter serves as a final notice and demand for compliance. Please note that this is not an acknowledgment of the validity of the alleged debt but rather a demand for the correction of inaccurate and unlawful reporting. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX Account Info : Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$2800.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXX XXXX Account Info : XXXX {$2800.00} - - -No Data Account Information Address po box XXXXXXXX XXXX  XXXX XXXX CO XXXX XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX High Balance {$2700.00} Original Creditor XXXX  XXXX XXXX XXXXXXXX Past Due {$2800.00} Pay Status >Collection< Estimated month and year this item will be removed XXXX/XXXX Remarks Account information disputed by consumer ( FCRA ) ; >XXXX XXXX XXXXXXXX XXXX Account Info : XXXX Agency XXXX XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Original Amount Owed {$2700.00} Amount {$2800.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX Disputes

Company response to consumer: Closed with explanation