Financial Data Systems Medical debt complaint on 05/17/2018

Issue

XX/XX/XXXX : I obtained my updated credit reports from XXXX, XXXX & XXXX & noted 5 different account in collections filed with Financial Data Systems for medical debt. XX/XX/XXXX : Certified letter delivered to Financial Date Systems ( attached with this complaint ) with receipt confirmation. In the letter ( s ) included I requested competent validation as evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay Financial Data Systems & that the account be removed from my credit report as the company 's reporting is in direct violation of Metro 2 Compliance by reporting different information among the bureaus ( specifically field 17a ). In addition, I also included a separate letter informing the company that under the Fair Debt Collections Practices Act, I have the right to request validation of the debt the they say I owe. I requested for any agreement with Financial Data Systems & their client that grants them authority to collect on this alleged debt, or proof of acquisition or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. And to attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. XX/XX/XXXX : Financial Data Systems send me a letter/documentation ( attached with complaint ). The only information they provided was the alleged dates of medical service, original creditor/client & itemized account balances- which do not even reflect what was reported to the bureaus. However, HIPPA was violated in that the collection agency ( Financial Data Systems ) had an invoice from XXXX XXXX XXXX ( medical provider ) listing the charge description as " emergency dept visit ''. The invoice lists three accounts/charges for : {$730.00}, {$650.00}, $ XXXX- all which have a bill from Financial Data Systems & is reported on my credit report. However, in addition to Financial Data Systems having those three bills they also included & reported accounts for {$410.00} and {$180.00} that is on my credit report for services from XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX- which these services were not even listed on the original creditors invoice and no additional documents were provided to validate those accounts. The account for {$150.00} claims the original creditor/client is XXXX XXXX XXXX, yet no additional documents were provided to validate account. Financial Data Systems also included a random invoice for a missed appointment with no office/client/original creditor listed, addressed to a house I haven't lived at since XX/XX/XXXX, but the date of service is reported as XX/XX/XXXX and has a balance of {$25.00}. Nothing is validated Not one of the documents included provided competent evidence bearing my signature as proof the accounts belong to me, as I requested.

Received: 05/17/2018

Debt collection: Medical debt

Debt Verification: Not enough info provided to verify debt

Financial Data Systems Response

This issue was responded to within 15 days by Financial Data Systems

Debt Pro Tips

Will paying a collection agency improve my credit score?

If a consumer has multiple accounts in collection, the credit score improvement from paying off a single account may not be much. If you can get all of your collection accounts to report paid with a zero outstanding balance, then you can begin rebuilding your credit.

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What's in my credit report?

Credit reports contain identifying information, trade lines, credit inquiries and public record and collections information. Your credit report will often have discrepancies between Equifax, Experian and Transunion, and you have the right to correct any innacurate or incomplete information.

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The FDCPA outlines consumer rights as debtors

The Fair Debt Collection Practices Act (FDCPA) is a federal law intended to protect consumers from 3rd party debt collectors by limiting debt collector behavior and providing penalties for violations.

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You have 30 days from initial contact to request verification of the debt

The FDCPA gives consumers(debtors) the have the right to request verification of a debt(Also commonly called debt validation). The request must be within 30 days of receiving the debt validation notice from the collector. Once the letter has been received, the collector must stop attempts to collect until it responds to your validation request. To prevent the collector from disputing your request was sent, send it via certified mail with return receipt requested.

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