Consumer complaint received 2015-10-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ATG Credit, LLC
State: FL

Complaint narrative:
Based on the detailed facts below and attached documents, I am concerned that I am a victim of some type of attempted financial fraud by a collection agency or an alleged collection agency. On XXXX XXXX, 2015, I began receiving several alerts at the same time, from my credit monitoring service related to various companies who claim that I owe them a debt. The majority of what I could glean from the credit alert was that the alleged debts were related to medical collections although a few of the alerts did not state any circumstances regarding the debts. In the case of XXXX XXXX XXXX XXXX and XXXX XXXX, they appear to be the same company using the tactic of reporting the same collection to various credit reporting agencies but using different names in an attempt to damage my credit and coerce me to pay for a debt that I do not owe. I have never received bills from the said companies and I have no idea what the nature of the collection may be. 
In the case of ATG CREDIT LLC, the amounts owed are different than proposed by XXXX XXXX XXXX and XXXX but I am concerned that this company is somehow related to or acting on behalf of XXXX and XXXX since their collection attempt is also related to alleged " medical '' debts and it was reported to the credit unions on the same day that XXXX and XXXX placed the negative charge against my credit. In addition, if they are related companies coercing me to pay a debt not owed while holding my credit worthiness status hostage, the act of reporting the same debt to different agencies, changing account numbers, changing their corporation names and addresses is manipulative and is an exaggeration to deliberately coerce me to send money for a debt not owed. 
Please advise me whether or not this practice is illegal in the State of Florida or under Federal Law. I can not believe that we have a judicial system that allows scandalous collection agencies to use bully tactics to siphon money from unwitting citizens and furthermore, are not required to provide me with official notice of the details of the debt owed including the establishment where the debt was incurred, the dates and any proof of their allegations. I have not been provided any services by XXXX XXXX XXXX, XXXX XXXX or ATG CREDIT! 
NOTE : On XXXX/XXXX/2015, I called ATG CREDIT using the number ( XXXX ) XXXX to inquire about the debt at XXXX. I spoke to a woman who escalated the conversation to the level of a bully and did not provide details regarding the nature of the debt, the provider, the date, etc. A few minutes later, I called back to try and get another service representative and I did. I explained why I was calling and he politely told me to hold. The same bully got back on the line with a harassing tone and hung up when I asked her permission to record our conversation. She said she was recording me so I only thought it was fair to represent myself for future issues. To date, I have yet to receive the requested formal correspondence regarding the details of what the company claims I owe to them. The collection is still on my file. How is all of this legal???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation