Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United Collection Bureau, Inc.
State: FL

Complaint narrative:
I have sent mail to the credit reporting companies about inaccurate information being reported on my credit report. The company has failed to prove that the bill they continue to report as delinquent is in fact mine and what it was for. All of my bills are paid from XXXX XXXX XXXX XXXX and i have sent 3 letters to " United collection '' to 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 them and to Cease any credit bureau reporting until the debt has been validated by me. I requested full documentation of what they received from the provider of the service in connection with this alleged debt as I'm 100 % sure it is inaccurate.

I submitted a dispute with UNITED COLLECTION on XX/XX/23. complaint ID- XXXX. " This was their response We have mailed a written response to the complaint received through the CFPB portal directly to the party whose identifying information matches the identifying information of the complainant. Should you require any further information, please contact us. " I received a 2 page list of different fees and what appears to be ALOT of medical information shared with UCB that I did not authorize. According to article 15 U.S.C. 1681 Section 602 A., states 'I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions. I understand basic information is to be shared however I DID NOT AUTHORIZE my sensitive medical information to be shared with UCB which is all over the paperwork they sent me to verify. I asked them to verify a itemization i did not give them permission to receive very very sensitive medical information. 

There are many issues that need to result in this being removed from my credit report and in addition to the ones I already mentioned, here is another. Many of the items of " medical care '' on the validation list, I did not in fact receive. I was billed for numerous items that were not indeed performed. The breakdown does not show an itemization of what balance of each item was paid and what was not paid and or resulting in a left over balance of the {$1500.00}. FOR EXAMPLE if a blood test cost {$550.00} what portion balance ( {$550.00} ) of that blood test remains???? I spoke to billing in the hospital in addition to my physician in regards to items I was billed for that I did not receive and was assured it would be adjusted. Your company is now reporting collection on my credit report fraudulently as the items your attempting to bill for are inaccurate.

There are also services listed on the breakdown that were provided by providers that are not named and listed on the validation request. Only my primary dr is listed. The reason this is important is because I'm being charged for service that were provided by Out of Network providers that was never made aware to myself prior to consent to which I am protected under the No surprises act! This was considered Emergent care and I am protected under the rights made forth by the XXXX! 



If your company can not accurately explain what each item originally was billed for and what the remainder balance of each one of those items in addition to all the other concerns I listed above than you need to cease and remove all negative reporting as you're not following FCRA guidelines. And lastly I received a call from an agent from UCB whom said I owed this debt. I asked what was the debt and he could not answer because I wouldn't give him my personal/sensitive information to verify. This agent called me an disgusting name and my husband recorded it on his phone which I have saved. The same agent then called me 6 more times. I am completely appalled that this agency is allowed to run after all of this unprofessionalism. I will be taking legal action on my behalf against UCB if this is not addressed and resolved properly.

Company response to consumer: Closed with explanation