Choice Recovery, Inc.

We have verified the bankruptcy and updated our records.  This information will be passed along to the credit bureaus within 4 business days.We apologize for any inconvenience this may have caused [redacted].

Thank you for allowing us the time to validate the account for [redacted].  Our client has confirmed all information is accurate and valid.  Our contract with our client allows us to credit report on their behalf.  Mr. [redacted] insurance company denied these charges due to the maximum benefit allowance was met.  If he has additional questions regarding his insurance issue, please see his insurance company.

Mr. [redacted] was given the opportunity to deal with the original creditor until the account was placed in collections.We cannot state if the original creditor is open to speaking with Mr. [redacted] at this time.We will not attempt to contact Mr. [redacted] however, we cannot honor his request to have the account removed from collections.  [redacted] has the right to place unpaid debt in collections and chooses to leave this account with Choice Recovery.

Please tell us the account numbers on your credit report, dollar amount, original credit or any combination of these so we can identify the account(s) you are disputing.  We have no accounts that match the current address you provided.Once we can identify which accounts relate to your...

complaint, we will address the issue.

Written notices were  sent to the consumer at the address provided in this complaint on 01/06/16 and 02/05/16.  We attempted to contact the consumer by phone with no response.The dispute of this debt has been noted to the account.Should the consumer have further questions, we encourage her...

to call our office to discuss.

We have confirmed the information on file for Ms. [redacted] with our client Anesthesia Associates.  There have been no payments on the balance.  The Social Security number and date of birth we have on file is accurate for the patient who received service.  Our collection agreement and business associate agreement allow Choice Recovery to collect on this balance on behalf of Anesthesia Associates.

I am rejecting this response because I have not received validation of said debt. 
Regards,
[redacted]

Regarding the date of service 09/17/16, the insurance payment was reported to Choice Recovery on July 10, 2017.  Within 30 days of the date it was reported, we will request the credit bureaus delete this trade line.  The balance of $58.60 is still outstanding and due to [redacted] Emergency...

Specialists.As it relates to the consumer's dispute, validation notice was sent to the consumer on 05/17/17.  The form contained a medical release.  It is necessary for the consumer to sign and return the release to obtained protected health information.  The signed form has not be received by Choice Recovery.

We apologize your perception of the conversation with [redacted] was poor.  We have reviewed both your calls with [redacted] and [redacted] for training opportunities to improve customer service. Thank you for your feedback.

I have attached a copy of the call with Mrs. C[redacted] and our representative.  There is no agreement to delete a record from the consumer's credit report.  It is important to note there are four open accounts in our office.  Any accounts that are paid will be updated to zero balance.  We do not offer a deletion for payment program.









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Choice Recovery has reviewed the account.  A validation notice was sent to the consumer at the address provided to the client, [redacted], on 07/25/13.  We are showing this balance as outstanding and valid.We will inform the credit bureaus of the dispute.  If Mr....

[redacted] would like to make payment arrangements or can provide proof of payment, please call our office to discuss.

We did not receive the attachment showing this is still reporting on the consumer's credit report.  We believe this issue to be resolved by our additional request to the credit bureaus (reference number for credit bureau request [redacted]).This information was relayed to the consumer in our conversation on October 13, 2016.  If Ms. [redacted] is still having issues with this record, please contact us.

We apologize for the delay in responding.  We understand the consumer is disputing all accounts.  We request 30 days to review these accounts with our client before responding to the consumer's complaint.

I am rejecting this response because: This was not the person I spoke to in 2014 when I was making my payments.
Regards,
[redacted]

We appreciate Mr. [redacted] patience while we investigated his concerns.  After...

review with our clients, [redacted] have validated the accounts on file.  We have not heard back from Radiology Associates and will close these two accounts.If Mr. [redacted] would like to be set up on a payment plan, we encourage him to call us.  If he is unable to pay due to lack of employment, we are also happy to help him with this.

I have never done business or received any products or services from Choice Recovery INC. I do not owe them a debt and would like this information removed from my credit reports.

Qualified Emergency Specialists have placed these accounts in collections.  They are the doctors that provided care at [redacted] on 05/05/16 and 07/02/16.  Ms. [redacted] is listed as the patient and responsible party on both accounts.   Ms. [redacted] has asked for no...

further contact from Choice Recovery so we will be unable to respond directly to her via US Mail or by phone.  Should Ms. [redacted] have further questions she is able to contact a representative at Choice Recovery to discuss.