Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: TX

Complaint narrative:
Medical Collection Dispute Letter ( XXXX & XXXX ) Date : XX/XX/year> To : XXXX and XXXX Subject : Formal Dispute of Inaccurate Medical Collection Request for Immediate Deletion I am writing to formally dispute inaccurate information currently being reported on my credit report. After reviewing my consumer disclosure, I discovered a medical collection account being reported that I believe is inaccurate, unverifiable, and in violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). The account in question is : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Account Number : XXXX Reported Balance : {$1300.00} Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information reported on a consumers credit file. I do not believe the above account meets this standard, so under 15 U.S.C. 1681i, I am requesting that you conduct a proper reinvestigation of this account. This medical collection should not be reported because the account has not been properly validated. I have not received adequate documentation proving the alleged debt is accurate, enforceable, or belongs to me. Medical privacy protections may have been violated. Medical information reporting must comply with strict federal privacy and coding requirements. The furnisher must be able to verify the debt with competent evidence. This includes documentation such as : Original medical billing statement Chain of assignment or ownership of the alleged debt Proof that the collection agency has legal authority to report this account Evidence that the information being reported is complete and accurate Any unverifiable information must be deleted. The FCRA clearly states that if information can not be verified, it must be removed from the consumer report. For your information Im aware of the federal litigation in XXXX XXXX XXXX XXXX v. Consumer Financial Protection Bureau, which addressed regulatory authority related to medical debt reporting and highlights the ongoing legal scrutiny surrounding the inclusion of medical debt in consumer credit reports. Given the legal uncertainty and heightened compliance requirements surrounding medical debt reporting, the accuracy and legality of this tradeline must be carefully verified before it is allowed to remain on my credit file. Therefore, I am requesting the following : A full reinvestigation of this account Written verification of the debt from the data furnisher Documentation supporting the accuracy of the reporting Immediate deletion of the account if it can not be fully verified If this account can not be verified within the time allowed under the FCRA ( 30 days ), it must be deleted from my credit report. Please send me written confirmation of the results of your investigation. I appreciate your prompt attention to this matter. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief