Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revenue Enterprises, LLC
State: OK

Complaint narrative:
This complaint concerns an alleged medical debt reported and collected by Revenue Enterprises LLC, involving numerous and serious violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). These actions have caused significant harm to my credit, financial standing, and personal wellbeing.

15 U.S.C. 1692g ( a ) Failure to Provide Required Notice of Debt Revenue Enterprises did not provide me with the legally required written validation notice within 5 days of their initial communication, as required by the FDCPA. 

The debt was sold by the original creditor on XX/XX/XXXX. 

Revenue reported the debt to credit bureaus on XX/XX/XXXX the very next day. 

This premature reporting denied me the 30-day dispute window mandated under 15 U.S.C. 1692g ( a ) - ( b ) before a debt can be reported to credit bureaus. Reporting the debt prior to providing notice and before allowing the 30-day
dispute period to elapse is a clear violation of my rights under federal law.

15 U.S.C. 1692g ( b ) Continuing Collection Activity Without Validation I submitted a formal written request for validation on XX/XX/XXXX, which Revenue Enterprises has ignored to date. 

Despite this, they have continued to report, update the amount owed, and attempt to collect the debt. 

Continued collection and reporting without validation violates the FDCPA.

15 U.S.C. 1692e ( 2 ) ( A ) False Representation of Amount Owed Revenue Enterprises has reported inconsistent balances to multiple platforms, including : {$2400.00} ( confirmed by the original provider as the correct amount ) {$3100.00} on Revenues internal statements A {$0.00} balance on Revenues online account portal Multiple different amounts on my credit reports These discrepancies constitute material misrepresentations of the debt amount.

15 U.S.C. 1692f ( 1 ) Collection of Unauthorized Amounts Revenues statements reflect interest charges being added to the balance.

The original medical provider confirmed that no signed agreement exists authorizing the accrual of interest., and that the provider themself does NOT charge interest. 

As such, these charges are unauthorized and illegally inflated, violating federal law.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and ( b ) Reporting Inaccurate and Conflicting Information to Credit Bureaus Revenue Enterprises has reported conflicting statuses to different credit bureaus : XXXX shows the account as closed with a balance. 

XXXX lists the account as an active collection in the derogatory section. 

These inconsistencies violate the FCRAs requirement to report accurate and verifiable information and to investigate disputed information promptly and fully. 

Violation of 12-Month Waiting Period for Medical Debt Reporting ( Industry Standard ) As per current guidelines supported by all three major credit bureaus, medical debt must not be reported to consumer reporting agencies until at least 12 months after being sent to collections.

Revenue Enterprises reported the debt one day after it was assigned, in clear violation of this standard.

Supporting Documentation Attached : Copy of my XX/XX/XXXX written validation request Screenshots of Revenues internal portal showing {$0.00} balance Statements showing inflated balance with interest as well as an incorrect address. 

Credit reports showing conflicting data from XXXX and XXXX

Company response to consumer: Closed with non-monetary relief