FirstPoint, Inc.

We have the account in chapter bankruptcy and it has been reported to the credit fileAn update was sent in June so the account should appear as included in bankruptcy when Equifax processes the file

Ms*** did send a letter saying she disputed the debt with our officeThere was no reason given for the dispute, therefore we sent a letter asking what her dispute was and have not received a response.This is a medical debt and no she does not have a contract with usWe are a third party
collection agency for the medical facility to the collect this balanceWe are under a Business Associate Agreement with them.In order to send her validation of the debt we more information as to what she is disputing.Sincerely,Angie B***

Initial Business Response /* (1000, 6, 2016/11/28) */
After review of the account we have determined if the accounts are paid in full we will remove from Ms***'s credit reportOne of our collectors has attempted to contact her but has not gotten a response, will continue to contact

Initial Business Response /* (1000, 6, 2015/11/30) */
After review of account it has been determined to remove account from credit fileWe are in the process of notifying the consumer reporting agency, *** to remove the account from Mr***'s credit fileHowever, it may take the consumer
reporting agency up to days or longer to update the consumer report and this is beyond our control
Initial Consumer Rebuttal /* (2000, 8, 2015/12/01) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I have accepted their responseThanks for the prompt attention to this matter

Initial Business Response /* (1000, 5, 2016/01/29) */
The account was paid in full 10/14/and we have requested it to be removed from the credit file
Initial Consumer Rebuttal /* (3000, 7, 2016/02/01) */
(The consumer indicated he/she DID NOT accept the response from the business.)
If
FirstPoint, Inc successfully reported the account as "paid in full" on 10/14/within days Equifax would have reflected the change in my account statusI do not believe FirstPoint, Increported my account as they have stated
Final Business Response /* (4000, 9, 2016/02/02) */
FirstPoint did notify the Consumer Reporting Agency on the date previously stated to update consumer's credit file as paid in fullHowever, it may take the Consumer Reporting Agency up to days or longer to update consumer reports and this is beyond FirstPoint's controlAfter review of consumer's account it was determined to remove the account entirely from the consumer's credit file and a request for removal was submitted to the Consumer Reporting Agency

Initial Business Response /* (1000, 5, 2016/02/05) */
Validation has been mailed today to Ms*** for the accounts with ***The previous correspondence we received from her was requesting a settlement on the balances and removal from her credit file***
does not settle their debts and there was no reason for removal from the credit file
Initial Consumer Rebuttal /* (3000, 7, 2016/02/08) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Both *** and *** DO ACCEPT balance settlements because my husband worked out a deal to pay half of his billAlso, it took me contacting the Revdex.com to get a response out of this company which is ridiculousThis company seem to hurt consumers solely for profit
Final Business Response /* (4000, 9, 2016/02/11) */
*** $Referred 10/09/
*** $Referred 10/09/
*** $Referred 10/09/
*** $Referred 09/15/
The collection notices on the accounts referred 10/09/were sent to *** Lancaster SC ***This is the address that was given by our client, when the accounts were referred to usThe notices were mailed on 10/11/The phone number given was ***
The collection notice on the account referred 09/15/was sent to *** Fort Mill, SC *** on 09/18/
We attempted to contact Ms*** at the *** numerous times and left messagesOn 06/24/we spoke to a female at *** and was told we had the wrong number for *** ***At that time the phone number was coded as a bad number
If Ms*** wishes to resolve the accounts, FirstPoint will remove the accounts from the credit file when payment in full is received

To whom it may concern:A request has been sent to the credit reporting agency to have the paid in full account for $removed. After the information is sent to the credit reporting agency we can not give a number of days it will take to updateThe other account for $was not reported
to the credit reporting agency. Sincerely,Angie B***Manager of Operations

Ms*** signed agreement is with *** ***We have a Business Associate Agreement with *** *** which covers us and them when turning over accounts for collectionsThe account balances we have are after insurance paid and madeadjustments

Initial Business Response /* (1000, 9, 2015/09/02) */
We have requested validation of the debt from our clientOnce we receive the validation documents we will send, via mail, a copy to the consumer
Initial Consumer Rebuttal /* (3000, 11, 2015/09/03) */
(The consumer indicated he/she DID NOT
accept the response from the business.)
I was told in the last telephone conversation with this company that FirstPoint,Inchad documentation they were unwilling to share with me because they already mailed a letter to me in which I never receivedI asked the agent to send the letter again because I didn't receive it and he said they don't mail out anything but that first noticeI asked for documentation from the agent and he said he wouldn't share it with meNow they respond by saying they have requested the validation documents from their "client"Why would they need to request the documents if the agent I spoke with said they had them but wouldn't share them with me? This response makes absolutely no sense
Final Business Response /* (4000, 13, 2015/09/09) */
Our agency is mailing an image of the original letter that was sent to Ms*** from our agency on 01/03/
I realize Ms*** states she never received a letter from our agency; however, the letter was mailed to;
*** ***
* *** ***
Durham, NC XXXXX
Our agency never received returned mail or forwarding mail from this address; therefore, we deem the mail was delivered to the proper person/address

Initial Business Response /* (1000, 9, 2015/05/19) */
Request to remove account from consumer's credit file was forwarded to *** 5/13/15, control number XXXXXXX
Initial Consumer Rebuttal /* (2000, 11, 2015/05/23) */
(The consumer indicated he/she ACCEPTED the response from the
business.)

Attached are the documents to validate the accounts we have for *** ***Ms*** has different accounts in our office for ***
*** *** *** *** *** ***Since she did not specifically state which one she was disputing I have enclosed all documents for the below. *** *** $06/26/12*** *** $03/19/13*** *** $12/09/14*** *** $09/25/15*** *** $02/10/16 Please let us know if you have any additional questions

Initial Business Response /* (1000, 5, 2016/02/05) */
After review of the Explanation of Benefits Ms*** sent to our office we contacted our client, ***They faxed a copy from the insurance company showing they paid Ms*** the $
directly on 07/01/Therefore, they are holding her responsible for the balance of $

Initial Business Response /* (1000, 6, 2015/12/11) */
In reference to your inquiry regarding access to your credit report, FirstPoint furnished the report to our client, *** *** *** *** after your written consent was obtainedThis was a legitimate inquiry based on a permissible
transaction
If you have any further questions or would like a copy of the authorization, please feel free to contact us at XXX-XXX-XXXX

Initial Business Response /* (1000, 5, 2015/09/11) */
Our agency has reviewed the complaint made by Mr*** and we are unable to identify him by the address and phone number he provided in his complaintTherefore, we are asking the Revdex.com to ask Mr*** if there is possibly another
phone number and/or address associated with him
Initial Consumer Rebuttal /* (3000, 7, 2015/09/14) */
(The consumer indicated he/she DID NOT accept the response from the business.)
This is my only information and this is the phone number FirstPoint continues to harass me fromCease and desist letter is en route
This response them pretty much sums up their shady practicesI sincerely hope someone takes legal action against them very soon
Final Business Response /* (4000, 9, 2015/09/16) */
We have placed the identified numbers on the complaint in our Do Not Call listAlso, we have ceased communication on the account we think is associated with Mr***

Our client request proof of insurance from *** *** for the dates she was covered under ***/*** ***Dates are belowAlso, does the consumer recognize any of the names listed as additional drivers on policy and are the cars that were insured hers?05/07/12-06/26/1210/30/12-03/19/1309/22/14-12/09/1406/09/15-09/25/1509/25/1...⇄

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and I accept it

Initial Business Response /* (1000, 6, 2016/02/15) */
Accounts were submitted to *** to be updated as paid in full on Mr***'s credit file 01/29/Mr*** was sent proof accounts were paid in full on 01/04/
Initial Consumer Rebuttal /* (3000, 8, 2016/02/17) */
(The consumer
indicated he/she DID NOT accept the response from the business.)
I have spoke to tem after that date and it was still on my creditWould like it removed all together
Final Business Response /* (4000, 10, 2016/02/19) */
FirstPoint did notify the Consumer Reporting agency on the date previously stated to update consumer's credit file as paid in fullHowever, it may take the consumer reporting agency up to days or longer to update consumer reports and this is beyond our control

We have requested validation with signature page from our client. We will forward this to you when it is received. In the meantime when a consumer claims fraud we need the following information from them.i)    Consumer must have an ID Theft Affidavit and Police Report or FTC ID Theft...

Report showing incident date. ( FTC ID Theft Report  is now available to consumers at https://www.identitytheft.gov/.

Initial Business Response /* (1000, 7, 2016/07/20) */
The dispute was emailed to our client, [redacted], and they have recalled the account from our office. This account was not reported on Mr. [redacted]'s personal credit file.
Initial Consumer Rebuttal /* (2000,...

9, 2016/07/26) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I accept the response / resolution, however that is precisely what I asked your company to do before I had to get the Revdex.com involved as a third-party. There should more self-regularity on behalf of your company as this was a black and white mistake. Thank you for your attention to this matter.

Initial Business Response /* (1000, 6, 2015/10/05) */
Our agency has reviewed the consumer's account and it was determined that there is still an outstanding balance within our agency. An itemization of his payments were mailed to the consumer on 10/2/2015. We hope this will assist him in...

understanding his current balance. However, if he can provide additional documentation showing the last payment of $42.50 has been paid we will updated his account and notify the credit reporting agency the account has been paid in full.
Initial Consumer Rebuttal /* (3000, 8, 2015/10/09) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The payments were being autodrafted by FirstPoint. The final month of the payments, they actually called me and took the last payment by phone. I thought it was odd, but apparently it is indicative of their records. However, 3 years have gone by so I do not have my final records, either. I will not be paying this $42.50 after three years of no contact from them.
Final Business Response /* (4000, 13, 2015/11/02) */
After reviewing the phone call between the collector and the consumer, findings are below:
When our collector set up the auto draft they set it for 5 payments of $42.50 and the collector should have set the auto draft for 6 payments of $42.50. The last $42.50 was never drafted out of the consumers account.
Total Listed: $355.00
Payments Received
04/03/2012 100.00
05/15/2012 42.50
06/15/2012 42.50
07/15/2012 42.50
08/15/2012 42.50
09/15/2012 42.50

Total Payments Received $312.50
Final Consumer Response /* (4200, 15, 2015/11/04) */
(The consumer indicated he/she DID NOT accept the response from the business.)
If they failed to draft the last payment, that is not my problem. I will not pay this $41 under any circumstances. Its not about the money, but rather their shady business practices.
I still contend that they called me to collect the last payment, which I played via phone, and for whatever reason it was not logged into their records. I'm not paying it again ever. I'll die before I pay.