Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Designed Receivable Solutions, Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX AL, XXXX XXXX XXXX XX/XX/XXXX To whom this may concerned I am writing to acknowledge and express my support for the XXXX  XXXX XXXX XXXX ( CFPB ) recent finalization of a rule that removes medical bills from credit reports. This decision is a monumental step toward ensuring fairness and accuracy in consumer credit reporting. 

Medical debt often arises due to unexpected emergencies, making it an unreliable measure of an individuals creditworthiness. By eliminating medical debt from credit reports, the CFPB is helping millions of Americans regain financial stability and access to better credit opportunities without being unfairly penalized for XXXX expenses. 

This rule aligns with the principles of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), which mandates that consumer reporting agencies ensure the maximum possible accuracy of credit reports. It also supports the XXXX XXXX XXXX Reform and Consumer Protection Act, which grants the CFPB XXXX to regulate the credit reporting industry and protect consumers from unfair practices. 

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Complaint XXXX XXXX XXXX XXXX, and XXXX for Non-Compliance with Credit Reporting XXXX Dear Consumer Financial Protection Bureau XXXX I am submitting this formal complaint against XXXX, XXXX, and XXXX for their continued reporting of medical debt in violation of consumer protection laws. Despite the CFPBs finalized rule removing medical bills from credit reports, these credit reporting agencies have failed to comply, causing ongoing harm to my financial standing. 

Violations of Consumer Protection Laws XXXX. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) Under 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. Continuing to report medical debt after the XXXX rule change constitutes an inaccuracy and a failure to maintain proper procedures. 
Under 1681i, I have the right to dispute inaccurate information, and XXXX, XXXX, and XXXX are required to conduct a reasonable investigation. However, they have either failed to remove the medical debt or have provided inadequate responses to my disputes. 
XXXX. XXXX XXXX XXXX XXXX and Consumer Protection Act ( 12 U.S.C. 5511 ) The CFPB has authority under this Act to prevent unfair, deceptive, and abusive acts or practices ( XXXX ). By failing to remove medical debt from reports as mandated, these agencies are engaging in unfair and deceptive practices that harm consumers. 
3. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) If any debt collectors continue to furnish medical debt to credit reporting agencies despite the XXXX  rule, this may constitute a violation of the FDCPA under 1692e, which prohibits false, deceptive, or misleading representations in connection with debt collection.

DESIGNED RECEIVABLE SOLUTION XXXX XXXX XXXX  XXXX.XXXX # XXXX XXXX, XXXX  XXXX XXXX Account # XXXX Account Type Medical Collection Agency Creditor Type -- Account Rating Payment after charge off/collection Portfolio Type Collection Owner of Account Individual Original Creditor XXXX XXXX XXXX Amount Owed {$890.00} Past Due Amount {$0.00} Last Payment {$0.00} Last Payment Date N/A Original Balance {$0.00} Placed in Collections XXXX XX/XX/XXXX Last Verified Date XXXX XX/XX/XXXX Paid off Date Charged Off Closed Date Charged Off I appreciate the XXXX commitment to consumer protection and look forward to seeing these changes implemented effectively. Please do not hesitate to reach out if further information is needed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation