Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: WA

Complaint narrative:
Response to Company Reply Request for Clarification and Full Resolution XX/XX/year> Harris & Harris XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX Formal Dispute, Cease and Desist, and Demand for Validation Account # XXXX Reopened Complaint Incomplete Resolution and Disputed Debt Status To Whom It May Concern, I am reopening this complaint because the company response provided does not fully resolve the dispute and is materially incomplete. Harris & Harris XXXX XXXX stated that they have ceased collection efforts and closed the file, however they simultaneously asserted that the alleged debt is valid. These XXXX positions are contradictory and do not constitute a proper resolution of this complaint. The underlying issue remains unresolved : This alleged debt arises from XXXX XXXX provided by XXXX XXXX XXXX following an auto accident. At the time of service, coverage included : XXXX conditional payment under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Primary auto insurance coverage through XXXX Additional insurance coverage 100 % approved financial assistance through XXXX XXXX XXXX XXXX billing required coordination of primary coverage ( XXXX ) followed by XXXX conditional payment processing with appropriate documentation. XXXX XXXX XXXX failed to properly submit required billing documentation, including exhaustion verification and correct claim resubmissions, and also submitted claims with incorrect diagnostic coding unrelated to the accident. As a result of these billing failures, XXXX XXXX XXXX ultimately confirmed the account was written off as of XX/XX/year>, resulting in a {$0.00} balance. Despite this, the account was placed into collections and reported as a valid debt. The collection agency response does not address or resolve the following critical issues : Whether the account is legally enforceable given the confirmed write-off and {$0.00} balance XXXX any credit reporting was made and whether it has been removed Whether the account has been permanently terminated or could be reassigned or resold to another collection agency Simply closing a collection file while maintaining that the debt is valid does not resolve the dispute or correct the underlying inaccuracies. Requested Resolution : I request that the CFPB require the company and/or original creditor to : XXXX. Confirm in writing that the account reflects a {$0.00} balance and is not collectible XXXX. Confirm the account will not be resold, reassigned, or transferred to another collection agency XXXX. Confirm any credit reporting has been removed or corrected in full XXXX. Address the underlying billing failures that resulted in improper placement into collections This complaint should remain open until the above items are fully resolved and documented. Failure to comply has resulted in complaints filed with the Washington XXXX Attorney General and the next escalation will involve my attorneys. Again, all future communication must be in writing only. Sincerely, XXXX XXXX XXXX Attorney Washington XXXX XXXX of the Attorney General

Company response to consumer: Closed with explanation