Debt collection -- Written notification about debt -- Complaint #18638195
Complaint Overview
Complaint ID: 18638195
Company: Medical-Commercial Audit INC
Product: Debt collection
Sub-Product: Medical debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: Tennessee
ZIP Code: 37209
Date Received: 2026-01-11T12:00:00-05:00
Date Sent to Company: 2026-01-11T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Summary of Issues : Improper Debt Validation : When I requested a debt validation letter, the agency provided only a PDF statement from the urgent care clinic. Incorrect Address : The statement contained an outdated mailing address from over a year prior to the clinic visit. I had moved twice since then and submitted mail forwarding each time. If they had mailed a statement, I would have received it. I never received a notice to collect a debt. Missing Itemization and Insurance Processing : The statement lacked itemized charges and showed no attempt to bill my insurance. At the time of service, my daughter was covered under my insurance, and the clinic accepted that insurance. Inflated Debt Amount : The original medical debt was under {$500.00}, which is not reportable to credit bureaus. However, the agency inflated the amount to {$510.00}, seemingly to exceed the {$500.00} threshold for reporting. This is deceptive and unethical. Unprofessional and Misleading Communication : When I requested a proper validation letter, the response stated that what they sent was what is required and implied that I should assume responsibility because I remember taking my child to urgent care. This language is condescending, unprofessional, and misleading. Finally, after calling the billing office on the statement, they confirmed that I had a {$0.00} balance due, and this is not because the debt was bought by a debt collector, but because I did not have any balance due since insurance was charged and I was covered.
Frequently Asked Questions
What is Complaint #18638195 about?
Complaint #18638195 was filed against Medical-Commercial Audit INC regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2026-01-11T12:00:00-05:00.
How did Medical-Commercial Audit INC 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 Medical-Commercial Audit INC?
Yes, visit the Medical-Commercial Audit INC company profile at readthecomplaint.com/company/medical-commercial-audit-inc 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.