Consumer complaint received 2026-07-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: IN

Complaint narrative:
I am filing this complaint against Credit Bureau Systems regarding multiple medical collection accounts being reported on my XXXX and XXXX credit reports. These accounts are connected to XXXX XXXX XXXX and are currently being reported in several separate balances, including approximately {$510.00}, {$3000.00}, {$740.00}, and {$3600.00}. These are not ordinary consumer debts. They are medical bills that I have disputed because I do not believe the balances are valid, complete, properly verified, or properly reported. The underlying medical accounts appear to be the result of billing, coding, insurance, VA-care coverage, and financial-assistance/loan-processing failures at the time of service. I have repeatedly disputed that these balances should not have been placed in collections or reported against me because the provider failed to properly process the available coverage and/or financial paperwork at the time of care. At the time of service, I had coverage and/or expected coverage options that should have been properly reviewed and applied before these accounts were treated as personal collection debt. I have disputed that XXXX XXXX XXXX failed to properly process insurance, VA-related care coverage, coding, and/or required financial paperwork. I also disputed that a loan or financing process intended to help cover the medical expenses was not properly handled because the provider failed to complete the correct documents at time of service as required. As a result, I was placed in a situation where the charges were sent forward as personal debt even though they should have been covered, adjusted, reviewed for assistance, or corrected before any collection activity occurred. I have not received proper validation showing that these medical balances are accurate, legally owed by me in the amounts reported, properly coded, properly submitted to available coverage, properly reviewed for financial assistance or charity care, and properly assigned or placed with Credit Bureau Systems for collection. I have also not received a full itemized accounting showing the dates of service, billing codes, insurance submissions, VA-care coverage review, financial-assistance review, loan/financing paperwork status, payments or adjustments, contractual basis for the balances, and the reason these charges are still being reported as collectible consumer debt. I am a XXXX veteran. On XX/XX/XXXX, I was the victim of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I spent years in XXXX XXXX XXXX and continue to receive ongoing XXXX XXXX. This event severely affected my ability to work, earn income, manage complex financial matters, and recover from medical and housing instability. The continued reporting of disputed medical collections creates additional barriers to housing, employment, credit access, and basic financial stability. I first sent Credit Bureau XXXX a written dispute and request for removal on XX/XX/XXXX. In that letter, I disputed the validity of the medical balances and explained that the accounts were the result of improper medical billing, insurance/coverage processing failures, and financial paperwork failures. I stated that I had not received proper invoices or validation proving that I personally owed these amounts to Credit Bureau XXXX. I also objected to inconsistent credit reporting and requested that the accounts be removed. I later sent another written hardship and dispute-related request in XX/XX/XXXX to Credit Bureau XXXX and XXXX XXXX XXXX XXXX In that request, I again explained the severe hardship, asked for full release or forgiveness of the balances, requested review under hardship/charity-care or financial-assistance procedures, and requested removal of the accounts from TransUnion and Equifax. I asked that these accounts be placed in a non-collection or financial-assistance status if relief was available. Despite these written requests, I have not received a meaningful written response that fully addresses the dispute. I have not received complete validation of the accounts. I have not received proof that the balances were correctly billed, correctly coded, properly submitted to insurance or VA-related coverage, properly reviewed for charity care or hardship assistance, or properly transferred to Credit Bureau XXXX XXXX I have also not received a clear explanation of why these disputed medical accounts continue to be reported on my credit reports.

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