Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I had a CT scan performed in an emergency room on XX/XX/XXXX. I received a bill for {$130.00} ( Account # XXXX ) from XXXX XXXX XXXX XXXX XXXX ( contact information listed below ). On XX/XX/XXXX I made a payment of {$75.00}. I later received a collection notice from XXXX XXXX XXXX XXXX ( contact information listed below ) stating that I owed the original balance of {$130.00} ( Account # XXXX ). I checked my credit report and saw that this collection was listed as a derogatory mark on my XXXX  credit report. I contacted the service provider and paid my remaining balance of {$55.00} on XX/XX/XXXX. I then contacted the collection agency and informed them that my bill was paid. A month or two later ( I'm not exactly sure when ) the derogatory mark was removed from my credit report. In XX/XX/XXXX, I started receiving calls from this same credit agency. When I spoke with them, they informed me that they were attempting to collect the balance of {$55.00} for this same account. I informed them that the account was paid on XX/XX/XXXX and they stated that the service provider showed that I had a balance due. I contacted the service provider personally and confirmed that the account was paid. I was given Transaction ID # XXXX. I called the credit agency back and gave them this information and told them to stop calling me. The representative assured me that they would confirm the XXXX   balance with the provider. I printed a copy of my account breakdown from the provider 's website that showed a XXXX balance and mailed it to the address on the collector 's statement. Later in the month, a derogatory mark appeared on my XXXX  credit report for {$55.00}. I contacted the creditor again and demanded they remove this mark from my credit report. I provided all of the pertinent information ( dates, transaction numbers, etc. ) to them again. The representative assured me that they would confirm with the provider and remove this mark. The mark has still not been removed. Today ( XX/XX/XXXX ) I contacted the collection agency again and they said they contacted the provider and were told that I had a balance. I told them that this was untrue because I spoken with the provider on more than one occasion and confirmed that my account was paid. They refused to remove the mark on my credit report. I am mailing a copy of my account statement again showing a zero balance to them, however, I feel that this should not be necessary. I was able to confirm my account has been paid with a simple phone call that took less than 5 minutes. In my opinion, this collection agency is not contacting my original service provider to confirm my account as they have been stating and are purposely misleading me to try and collect money from me that is not owed. -- - Contact Information : XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, IN, XXXX, Ph. # : XXXX -- - Contact Information : XXXX XXXX XXXX XXXX XXXX, Location : XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX, Mailing Address : XXXX. XXXX XXXX, XXXX, TX XXXX, Ph. # : XXXX -- - I have uploaded a copy of the account breakdown that shows a zero balance.

Company response to consumer: Closed with explanation