Chester's Pizzeria

I have reviewed the alleged complaint. On May 13, 2014, [redacted] sent in a written dispute letter to Certified Recovery, Inc.  In the dispute letter she also ceased all verbal communication from Certified Recovery Inc.  We validated the debt on May 28, 2014 and marked the item as a disputed item to reflect on her Transunion Credit report.On March, 2, 2015 we sent [redacted] a collection letter since we were again ceased from all verbal communication with her.  On March 9, 2015 we received a cease and desist letter from [redacted].  She stated that she previously disputed the debt on May 13, 2014 and that Certified Recovery Inc. failed to respond within 30 days with a validation of the debt.  Again, we have a copy of the validation sent from our office on May 28, 2014.  Also, on March 9, 2015 we coded the account to be deleted from the Transunion data base.  We report to Transunion at the end of the month and this account was on the file sent on April 2, 2015 for deletion. Certified Recovery Inc. only reports and has a contract with Transunion.  [redacted], if you have a report showing that Certified Recovery Inc. is reporting to the two other bureaus then I would request that you send me copy of that for my review.  You stated that these items were being reported to the two other bureaus as disputed and outstanding. I did recently contact the BayCare Health System to go over your account again.  I have attached page 7 of your first dispute from May 13, 2014.  Your dental insurance, Assurant Benefits and also your medical insurance, United Health Care both paid this claim.  This resulted in a credit on your account of $540.88. Please see Prev Bal on the attachment.  At that time Assurant Benefits had to be reimbursed from the BayCare Health System since the claim was paid by two carriers.  They refunded Assurant Benefits $98.95 and had to put the adjustments back on your account.  The Insurance Adjustments were 8.00, 186.00 and 688.72 which then resulted in a balance owing by yourself of $440.79.   If you take -540.88 and add 98.95, 8.00, 186.00, and 688.72 you arrive at a balance of 440.79 which is indicated on the 1/20/2014 billing statement. If you have questions regarding this transaction I would suggest contact Assurant Benefits.Certified Recovery Inc. has a Business Associate contract with the BayCare Health Systems in accordance with the Privacy rules of HIPAA.  Since Certified Recovery Inc. is a Business Associate of the Baycare Health System and has a signed contract in place were are  allowed us legal access to protected health information. In your case, we requested an itemized statement in order to validate your debt under the contractual Business Associate agreement with the BayCare Health Systems.

[redacted], I provided you an attachment of how Certified Recovery Inc is reporting this data.  In order further assist you I would request a copy of the document you are referring to. This way I can review the document and try and resolve this issue for you.  We are reporting your account correctly. You keep referring to "date of last activity" and I would need verification of that to review in order to help you futher.  Thank you. [redacted]

I have reviewed the alleged complaint from [redacted]. In May of 2014 [redacted] sent a written dispute to Certified Recovery, Inc.  We validated the debt on May 28, 2014.  I have attached a Transunion Account Reporting Review form dated December 31, 2014.  It shows that Certified...

Recovery, Inc. is not reporting any tradelines on [redacted]'s credit report. Please let me know if you have any questions.  Thank you. [redacted] [redacted]

I have reviewed the alleged complaint from [redacted].  Certified Recovery, Inc reports all eligible records to [redacted] on a monthly basis. I did perform an Account Reporting Review on [redacted] and I have attached it to this e-mail.  I downloaded all records on April...

2, 2015 and electronically sent the file to [redacted]. The 04/15 "Date Verified" does not indicate the date of last activity.  That is the date the account was last updated in [redacted]'s system.On April 29, 2015 I e-mailed my account manager at [redacted] and also one of the [redacted] analyst employees.  I attached the same attachment and specifically asked if the Date Verified :  4/15 field was an indicator of the date of last activity.  I have copied and pasted their response below.  I will also give you and explanation of the other fields.  Date Opened:  11/10 is when your account was turned over for collection. High Credit:  $6596.00 is the amount turned over for collection. Amount Past Due:  Total balance due with accumulated interest from date of assignment allowed by WI statute [redacted]. Date Verified: 4/15 is the date the account was last updated at [redacted]. I hope this clarifies the situation.[redacted] RESPONSES BELOW:Hi [redacted],
 To echo what [redacted] said, yes the
date verified should show 4/15.  The effective date on the last file was
sent was 4/2/2015 but the customer should not see this date.  He should
just be seeing 4/15. 
 [redacted] I’m
not sure what kind of report the consumer is looking at but you are correct
when you indicate that your trade shows a last reported date of 04/2015. 
That is the date the account was last updated in our system, per your file Please
let me know if you have any other questions. 
Thank
you,[redacted]

I am not referring to the reporting date.  I am referring to the date of last activity.  I have not made any payments or had any interaction with this company therefore there should not be an activity date of 4/15.