Consumer complaint received 2024-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants Adjustment Service, Inc.
State: SC

Complaint narrative:
The explanation that was provided in my original complaint ( XXXX ) was not satisfactory. The company replied stating that they only sent a copy of a bill, this is not a validation of the debt. They also stated that I need to contact the facility where a medical procedure was taken, XXXX has been violated because if this is my debit, which still has not been validated, what type of services were rendered should not be disclosed as I stated in the original request. Furthermore, the company that shows in my credit report is Merchant Adjustment Service, not XXXX XXXX XXXX XXXX. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( XXXX ) to protect my privacy and medical records from third parties. I did not permit my current or prior medical providers to release any of my medical information to a third party. I am aware that the XXXX allows the release of limited information about me but anything more is only to be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and XXXX authorization. 

This company is not honoring my request as a consumer to have all documentation they received sent to me, they are denying me my rights under the laws listed above. We are consumers have the right to validate any debits that appear on credit reports as we now are in a time where identity theft is at an all-time high. I am again requesting validation of this debit or to have it removed from my credit report immediately! 

Here is the original request as from the XXXX : On XX/XX/year> I wrote all XXXX credit bureaus a certified letter requesting that Merchant Adjustment Service validate the debit on my credit files. The amount of the debts that are showing on my report is {$1500.00} with the date assigned listed as XXXX and account number XXXX and {$650.00} with the assigned date listed as XXXX, account # XXXX. The credit bureaus said the accounts were verified but never provided how they verified the account with the documentation that I requested in my letter to them within 30 days. I received a copy of an itemized receipt with no signature from Merchant Adjustment Service, this is not proper validation. I am asking that this debit be completely removed if you are not able to validate the with the information I requested. This was my request : Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Please provide a breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. If you can not provide me with the information I'm requesting I am asking that you remove this debit from all XXXX credit bureaus immediately. Referring me to another company is not a satisfactory response Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation