Choice Recovery, Inc.

The account information is accurately reporting to the credit bureaus If Ms*** refuses to communicate with us, or requests no further contact, we are unable to directly inform her of the results of our investigation We feel we have fulfilled our obligation with the *** and *** If Ms*** would like to call our office, we will be happy to discuss this her concerns with her in details that apply to her specific matter

1.30.17 Revdex.com received phone call from [redacted] stating he has been in contact with business via phone. Revdex.com will keep complaint pending for 10 days to allow Robert the opportunity to provide updated information.

The notice was sent to the consumer on 09/09/14.  
Choice Recovery cannot speak to when the consumer receives the notice.

We are attempting to validate the correct balance with our client.  All information was provided to Attorney [redacted]  Please ask Ms. [redacted] to confirm they are no long represented by this attorney so we can communicate directly with her.

We are attempting to validate the account with our client [redacted]  We will respond via US Mail with the results of the consumer's dispute.

I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me and thank you for notifying the credit bureaus of the discrepancy.

You have reopened this complaint.  Here is the February 2014 call the consumer is requesting in a wav file that cannot be uploaded.  Please convert to the attachment or attach to the consumer’s response.China M[redacted] | ComplianceCHOICE RECOVERYChange the Perception of Collections1550 Old Henderson Rd #100Columbus, Ohio 43220614-358-9900 | 800-559-9277www.choicerecovery.com

We have confirmed with [redacted] of [redacted] [redacted] that Ms. [redacted]'s account is still with us in collections.

We have sent the validation of account with the financial liability form stating Ms. [redacted] is  responsible for the collection fee.  We are unable to give Ms. [redacted] an explanation of what is on her credit report, only what is due to our client.  We do not pull consumer credit reports.We encourage the consumer to call our office to resolve the account.If the Revdex.com feels we can be of further assistance, please contact us.

I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards,
[redacted]

The  contracted amount paid by the Insurance was paid to the Practice all my co-insuracne and deductibles were paid in full the day of the surgery. The iNsuracne company advised this balance remaining is not reflectied in aptient responsibility with the EOB for this surgery, credit report was impacted. The Practice has spent duplicate the amoutnt of moneys in trying to collect $ 39.00 dollars. Theis amount has been sent in with payment and am asking for this to be removed form credit.
Regards, [redacted]

We have contacted our client to process the consumer's dispute.  We will follow up with more information and proof of debt within 30 days.

We apologize Mr. [redacted] does not feel he was made aware of this account in collections.  Notices were sent to the address he provided in this complaint on January 31, 2017, March 3, 2017 and then April 27, 2017.  We attempted to call the number listed in this complaint several times...

between January 31, 2017 and April 26, 2017.  The account was validated through his online dispute on November 2, 2017.  If Mr. Dean has additional information he would like to provide so we may investigate his dispute again, he is encouraged to provide the information directly to Choice Recovery.

We apologize if Ms. Langley is trying to reach us.  We have no record of phone call or mail received regarding this matter.At this time, we are unable to reach our client Women's Center of Florida to review this matter with them.  We will close the account with Choice Recovery and request...

the credit bureaus remove this item.

Choice Recovery has tried to reach Ms. [redacted] to discuss this matter but have been unsuccessful in our attempts to reach her by phone.  Our client has informed us of their error and we have requested the removal of the account(s) from credit reporting.If Ms. [redacted] or the Revdex.com has further...

questions please contact us.

I am rejecting this response because: As I stated in my previous response, I have not received any good or services from Choice Recovery Inc. I have never signed any type of agreement with them and therefore I do not owe them a debt. I would like them to remove this debt from my credit bureau report.
Regards,
[redacted]

The FCRA requires you to verify the validity of the debt within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 
Regards,
[redacted]

Again, there is not debt owed. They are not your client for [redacted], nor [redacted] because I had them check the system, since I had been seen under both last names. I will contact an attorney about this because the Financial Director confirmed I had no monies due to them when I attempted pay them directly. You are lying and that is all there is to it.
Regards,[redacted]

The collection fee was signed for in the dental office by [redacted].  Please see the attached document.  The collection fee is an agreement between the consumer and our client, [redacted] of Round Lake Beach.  Paragraph 3 of the financial agreement states "Please Note:  Returned...

checks will be subject to additional fees.  In the case it becomes necessary for our office to enlist a collection service and/or legal assistance you will be responsible for any collection and/or legal charges up to 35%."  Choice Recovery does not directly charge the consumer a fee as stated in the complaint.This account was placed with Choice Recovery on July 3, 2017.  Payment was reported by our client on July 17, 2017.  If Mr. [redacted] can provide proof this was paid before July 3, 2017, we will reach out to our client to review.

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]