Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: NV

Complaint narrative:
* * Consumer Financial Protection Bureau Complaint * * * * Company : * * Medical Data Systems XXXX Inc. ( MDS Collections ) * * Account Type : * * Medical Collection * * Balance Reported : * * {$950.00} * * Date Opened : * * XX/XX/year> * * Original Creditor : * * XXXX XXXX * * Account Status : * * Open Collection Account * * Complaint * * I am filing this complaint against Medical Data Systems XXXX Inc. regarding a medical collection account being reported on my consumer credit reports. Medical Data Systems is reporting a collection account allegedly related to XXXX XXXX with a balance of {$950.00}. I dispute the accuracy, completeness, and validity of this account and request a full investigation into the reporting and collection activities associated with this debt. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to report information accurately and completely. Under 15 U.S.C. 1681s-2 ( b ), upon receiving notice of a dispute, furnishers must conduct a reasonable investigation and review all relevant information before continuing to report an account. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e and 1692f, debt collectors are prohibited from using false, deceptive, misleading, unfair, or unconscionable means to collect or report debts. Debt collectors must possess sufficient documentation to substantiate the existence, amount, and ownership of any debt they attempt to collect. Because this is a medical account, there are additional concerns regarding the disclosure, handling, and reporting of medical information. Medical Data Systems must be able to demonstrate that any information furnished to consumer reporting agencies complies with all applicable federal consumer protection laws and privacy requirements. I request that Medical Data Systems provide : XXXX. A complete itemized statement of the alleged debt. XXXX. Documentation showing the dates of service associated with the account. XXXX. Documentation showing that I am legally responsible for the debt. XXXX. Documentation establishing Medical Data Systems ' authority to collect on behalf of or through assignment from XXXX XXXX. XXXX. A complete accounting of all payments, adjustments, insurance payments, write-offs, and credits applied to the account. XXXX. Documentation demonstrating that the amount reported is accurate. 7. Verification that all information furnished to consumer reporting agencies complies with the FCRA and applicable consumer protection requirements. If Medical Data Systems can not provide sufficient evidence validating the debt and supporting the information being reported, continued reporting may constitute the furnishing of inaccurate or unverifiable information in violation of federal law. * * Requested Resolution * * I request that Medical Data Systems conduct a reasonable investigation and provide all documentation supporting the validity and accuracy of this account. If the account can not be fully validated and verified, I request immediate deletion of the account from all consumer reporting agencies. I further request correction of any inaccurate, incomplete, misleading, or unverifiable information currently being reported and written confirmation of the results of the investigation.

Company response to consumer: Closed with explanation