Choice Recovery, Inc.

Our agent, Whitney, spoke with MrsC*** on 9/26/around 12:pm The call has been reviewed and no mention of "Illegal" was used in relation to MrsC***s request for a pay to delete from the credit bureaus MrsC*** was explained the account will be updated to paid in
full.At this time, we do not see an error on the part of Choice Recovery Inc

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.

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.

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

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

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.

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.

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]

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.

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]

I am rejecting this response because:
This really doesn't tell me much, and I find it hard to believe a collections/recovery business doesn't have a copy of what was mailed, only notes saying it was. Anything can be documented via a note, but there is nothing to back it up.
1. What address were these invoices mailed to?
2. Why were collections not pursued in 2013, 2014, 2015?
3. Was an update sent to the credit bureau(s) at the end of July as I was promised?
Regards,
[redacted]

The itemization of charges sent to the consumer had all charges and payments as related to the balance due.  If [redacted] would like a copy of the explanation of benefits, she will need to obtain this from her insurance company.  The explanation of benefits will show each service with the allowed/write-off amount and amount paid to the service provided.  Please call [redacted] with the number located on the insurance card for further explanation.  Choice Recovery has met the guidelines of validating the debt and providing an itemization of services for the consumer.