Debt collection -- Attempts to collect debt not owed -- Complaint #9850518
Complaint Overview
Complaint ID: 9850518
Company: Designed Receivable Solutions, INC.
Product: Debt collection
Sub-Product: Medical debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Texas
ZIP Code: 774XX
Date Received: 2024-08-18T12:00:00-05:00
Date Sent to Company: 2024-08-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
After reviewing my recent consumer credit report, there appears a collection. the original creditor is a hospital located in California. I have never been contacted by any hospital in California nor any agency on behalf of any hospital. I have no hospital debts. Designed Receivable Solution has violated the FCRA by reporting this alleged debt prior to contacting me. they would have been informed that this debt is not mine. In 2021, the Consumer Financial Protection Bureau ( CFPB ) issued a rule for debt collectors limiting when a collector can report information about a debt to credit reporting agencies. This law prohibits a debt collector from telling a credit reporting bureau about a debt before either speaking to the consumer or sending a debt validation notice and then waiting to make sure it's delivered
Frequently Asked Questions
What is Complaint #9850518 about?
Complaint #9850518 was filed against Designed Receivable Solutions, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2024-08-18T12:00:00-05:00.
How did Designed Receivable Solutions, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was not 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 Designed Receivable Solutions, INC.?
Yes, visit the Designed Receivable Solutions, INC. company profile at readthecomplaint.com/company/designed-receivable-solutions-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.