Debt collection -- Written notification about debt -- Complaint #5308432
Complaint Overview
Complaint ID: 5308432
Company: Medical Data Systems, INC.
Product: Debt collection
Sub-Product: Medical debt
Issue: Written notification about debt
Sub-Issue: Didn't receive notice of right to dispute
State: Georgia
ZIP Code: 30127
Date Received: 2022-03-10T12:00:00-05:00
Date Sent to Company: 2022-03-10T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
These accounts should NOT be reporting on my credit file, as the medical center was instructed to bill my insurance carrier before these accounts were falsely placed in collections. There are also duplicate accounts reporting on my credit file ( See below ), which is causing severe damage to my credit worthiness and is preventing me from accessing new lines of credit. These accounts are injurious to my credit, I have sent in 2 separate re-investigation requests to XXXX for the following inaccurate accounts : Account Name : Medical Data Systems - Account # XXXX Balance - {$150.00} ( Non-compliant reporting ) Account Name : Medical Data Systems - Account # XXXX Balance - {$110.00} ( Non-compliant reporting ) ( Duplicate ) Account Name : Medical Data Systems - Account # XXXX Balance - {$110.00} ( Non-compliant reporting ) ( Duplicate ) The first re-investigation was started on XX/XX/2022 and was completed on XX/XX/2022 ( 10 days ) and the second re-investigation was started on XX/XX/2022 and was completed on XX/XX/2022 ( 14 days ). On both occasions, the above-referenced accounts have come back as " verified. '' I have requested the method of procedures be sent to me ( via us mail ) explaining the procedures used to verify these accounts and to date, XXXX has ignored my requests, which is my right under the FCRA. Medical Data Systems has also failed to provide me a notice of debt, prior to inserting these alleged accounts onto my credit report which is a violation of my consumer rights. I was not provided the opportunity to request validation of these alleged debts within the required timeframe. I have disputed these alleged accounts with XXXX, as well as the collection agency, and both parties continue to verify this alleged debt without properly investigating, which is violation of the FDCPA and FCRA.
Frequently Asked Questions
What is Complaint #5308432 about?
Complaint #5308432 was filed against Medical Data Systems, INC. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2022-03-10T12:00:00-05:00.
How did Medical Data Systems, INC. respond to this complaint?
The company responded with: "Closed with explanation". 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 Data Systems, INC.?
Yes, visit the Medical Data Systems, INC. company profile at readthecomplaint.com/company/medical-data-systems-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.