Debt collection -- False statements or representation -- Complaint #15888655
Complaint Overview
Complaint ID: 15888655
Company: Capio Partners, LLC
Product: Debt collection
Sub-Product: Medical debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Texas
ZIP Code: 751XX
Date Received: 2025-09-11T12:00:00-05:00
Date Sent to Company: 2025-09-11T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Illegal re-aging and duplicate reporting of medical collection accounts Company : Capio Partners LLC Accounts in Dispute : Account # XXXX Balance {$4800.00} Account # XXXX Balance {$9100.00} Account # XXXX Balance {$560.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX I am filing a formal complaint against Capio Partners LLC for serious violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) related to three medical collection accounts they are reporting on my credit file. Illegal Re-Aging of Time-Barred Debt Each of these accounts falsely shows an Opened date of XX/XX/XXXX, despite the fact that the original XXXX XXXX were incurred in XXXX. This constitutes re-aging, an illegal practice that artificially resets the reporting clock. Under the FCRA, Section 605 ( a ), adverse accounts can not be reported more than 7 years + 180 days from the date of first delinquency. These debts are time-barred and should have been purged from my credit file years ago. False, Deceptive, and Misleading Representation By changing the open date to XXXX, Capio Partners has misrepresented the character, age, and legal status of the debt, violating the FDCPA, Section 807 ( 15 U.S.C. 1692e ). This is a deceptive collection practice designed to coerce payment on debts that are no longer legally enforceable. Duplicate and Inflated Reporting Two of the accounts appear to stem from the same original creditor and time frame, yet are reported under separate account numbers with different balances ( {$4800.00} and {$9100.00} ). This results in duplicate reporting of a single obligation, further misrepresenting the debt and compounding harm to my creditworthiness. Supporting Evidence Copies of my credit report showing the three Capio Partners accounts with false Date Opened entries in XXXX. Evidence that the debts originated from XXXX XXXX XXXX, now outside the legal reporting period.
Frequently Asked Questions
What is Complaint #15888655 about?
Complaint #15888655 was filed against Capio Partners, LLC regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-09-11T12:00:00-05:00.
How did Capio Partners, LLC respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Capio Partners, LLC?
Yes, visit the Capio Partners, LLC company profile at readthecomplaint.com/company/capio-partners-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.