CMRE Financial Services Inc

The consumer's account for her minor child was assigned to CMRE on 02/06/for a date of service of 08/29/The consumer's dispute is that the debt is her ex-husbands responsibilityIn most states a debt for minor children is the responsibility of both parentsIn the spirit of fairness and
due to the age of the account, CMRE has closed the account and instructed the credit reporting agencies to delete the entry from the consumer's credit profile

The consumer had several accounts assigned to CMRE
When CMRE received notification of the consumer's bankruptcy CMRE correctly
updated the consumer's credit profile to show the accounts status as bankruptAs a courtesy to
the consumer and due to the age of the accounts we have are instructing
both Experian
and TransUnion to delete the accounts from the consumer's credit profile CMRE has no control as to how long it will
take the credit reporting agencies to remove the accounts

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
I never received any kind of documentation of this account ever I had no idea there was a bill This is unfair to not communicate with your customers if that's the case I am not satisfied with your answer
Regards,
*** ***

CMRE has no control over how quickly items are removed by the credit reporting agencies

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve myubiquitous ubiquitous complaint. For your reference, details of the offer I reviewed appear below.Greetings:I was not given an opportunity to respond with a reason for the rejection of the Business' response at least I did not find where to type in my response.I reviewed the letter from CMRE Financial Services. No where in that letter did it reveal that CHAMPVA was indicating that I was insured with someone else; neither was that information revealed to me at the time of me initiating my dispute with themHad that information been revealed to me at the time, I would have explained to them, as I did the Provider, that an error had occurred in the CHAMPVA systemI would have informed them to resubmit the bill I notified CMRE upon receipt of the collection notice that I was disputing the bill. At the time of service, validity of my status as an insured of CHAMPVA can be corroborated. CMRE is passing the buck and covering up their nefarious attempt to slam my credit in an effort to hold it hostage for payment CMRE should remove this derogatory entry from my credit profile on the basis that their response to the Revdex.com does not match the text in their correspondence, which does not indicate that there was a problem with CHAMPVA identifying me as an insuredPeriod!This slam is about getting around the Provider accepting assignment of the amount authorized by CHAMPVA. This is a scam, and they need to unleash my credit profileThey have broken the law, and I demand that the derogatory information is deleted from my credit report.I hope that this explanation of my rejection reaches the correct party Blessings, ***.......*** ***
Regards,
*** ***

The consumer that filed the complaint did call CMRE, he stated he and his son share. We explained to him that since his son was an adult we cannot discuss this matter with him. This call took place on 01/15/15 and is the only contact we have had with this consumer. No other information was...

provided by the consumer.
CMRE reported the name on our system using demographic information provided to our client at the time of service (i.e.: date of birth, tax id number and current address). We reported the account using our parties’ specific date of birth, address and tax id number. CMRE would not knowingly report an incorrect party. Please have the consumer contact Mrs. [redacted] using our toll free number (800) 783-9118 ext [redacted]. We will need to see a copy of the credit report the consumer has showing what is appearing on his credit profile. The copy of the report can be faxed to (714) 985-5257. CMRE would be happy to help the consumer resolve this matter if the requested information is provided.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]

The consumer has never contacted CMRE directly. A
third party contacted CMRE. The consumer received the first notice at
the address he currently resides at in compliance with FDCPA. Account has
been canceled and request submitted to have removed from credit
report.

CMRE has submitted request for deletion from both [redacted] and [redacted]. CMRE has no control over how long it takes the credit reporting agencies to remove the account from the consumer’s credit profile. I have re-submitted the request for deletion. A letter has been mailed to the consumer,...

notifying the request for deletion was submitted.

Despite my written requests, the unverified items listed still remain on my credit report in violation of Federal Law.  In the results of this investigation, I have stated in writing that CMRE verify that these items are being “reported correctly” and still have not identified who in your...

company verified the accuracy of these accounts or how they verified them Failure to provide me with verifiable proof required for this company to post the accounts listed below is evidence that it does not exist and therefore is proof that they can’t properly “Verify” the accuracy of any of the disputed accounts.   Please be advised that under Section 611 (5)(A) of the FCRA  in which you are required to promptly DELETE all information which cannot be verified.

The consumer is requesting a signed HIPAA release from us for the account assigned to our office. The release the consumer is looking for is stored in the medical records department at the facility where services were rendered. CMRE Financial Services, Inc. does not obtain or store these records, due to HIPAA privacy laws, as they are not needed in order for us to perform the services under the Business Associate Agreement with our client. The consumer may contact the facility and request the documentation signed at registration, which allows the Covered Entity to provide necessary PHI to Business Associates. If the consumer needs any additional information we can be reached at (800) 783-9118 Monday through Friday 7:00 am to 6:00 pm PST.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
I still have not received any communication on what these bills are. Your company continues to say this is a valid debt but I don't even know what or who the original creditor is on these bills. I would like to know how to resolve this matter but in doing so I need some type of statement that explains what these bills are sent to my new address. I have reached out to try and resolve this matter and still have not received any response. 
Regards,
[redacted]

The account was assigned to CMRE by the service
provider with the consumer as the responsible party. The consumer's request for wrong party deletion
was received on 02/23/16. After investigation we submitted a request to both Experian and
TransUnion for wrong party deletion. A letter was mailed...

to the consumer confirming the wrong party deletion on
03/01/15. On 03/22/16 we received a telephone call from the consumer stating she did not receive
the letter we sent by mail, she requested we email the letter. A copy of the letter
confirming the wrong party deletion was sent to the consumer by secure email on 03/22/16.

The consumer’s account was assigned to CMRE on 05/09/12, for a date of service of 09/04/12. The first notice was mailed to the consumer on 09/11/12 in compliance with FDCPA; no mail was returned. On 10/27/14 CMRE received a certified letter from the consumer; CMRE notified both [redacted] and...

[redacted] to update the consumer’s credit profile to show the disputed status.  Although the validation period had long since past; CMRE sent the consumer validation of the debt. We received a copy of documents the consumer sent to [redacted] included was a copy of the consumer’s drivers license showing her date of birth matches the date of birth information provided to our client at the time of service.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]

The consumer’s account was assigned to CMRE on June 29, 20112 for a date of service of  03/05/12. We mailed the first letter to the consumer on 07/05/12 informing the consumer that her account was assigned to collections and notifying her of the 30 day validation period as required by the...

Federal Fair Debt Collection Practices Act (FDCPA). The letter was mailed to the consumer at the same address shown on this complaint, we did not receive any mail returned. On October 6, 2014 we received a letter from the consumer by certified mail, requesting validation of the debt.  FDCPA shows validation requirements as follows:
(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;
Although the validation period as described by FDCPA had long past, CMRE mailed validation of the debt to the consumer on 10/24/14. CMRE is not in violation of FDCPA.

The consumer's account was assigned to CMRE in June 2014 for the consumer's minor child. The first notice was mailed to the consumer in June 2014 in compliance with FDCPA, no mail was returned. As part of our investigation we have contacted the original service provider who instructed us to...

close the account. request has been submitted to have removed from credit report.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]

The consumer can submit a copy of his explanation of benefits provided to him by his insurance company if he feels the balance is incorrect. We would be happy to have the original service provider review his explanation of benefits to see ifany further discount is due. If so we will be happy to refund him any monies overpaid. At this point the service provider'scharges are based on the information they received from the consumers insurance company.

The consumer's account was assigned to CMRE on
10/12/10 for a date of  service of
05/30/10. The first notice was mailed to the consumer on
10/18/10.  CMRE credit reported the consumer's account on 01/23/11 and updated the report on
12/18/15.  CMRE did not re-age the
account. The...

fair credit reporting act allows for credit
reporting for seven (7) years. CMRE is in compliance with FCRA.