Healthcare Funding Solutions, LLC

Thank you for forwarding the consumer’s additional concerns. Please note that *** requested deletion of its tradeline from the consumer’s credit report on January 15, 2015. Please let us know if you have any questions

Complaint: ***
I am rejecting this response because I need to have *** lllc send to me a letter stating that this account has been deleted from my credit report.once I get this letter as far as I am concerned this will resolve the matter
Sincerely,
*** ***

Thank you for bringing this matter to our attention. Healthcare Funding Solutions, LLC (“HFS”) and its affiliate ***, LLC are passive debt buyers. Although HFS and *** do not initiate collection calls or generate demand letters, they places accounts for collection with their network of
branch offices. Although the instant complaint was filed against HFS, please note that *** is the owner of the account at issue The account at issue is a charged off consumer credit card. *** purchased the account from *** *** *** ** *** on or about January 15, 2015. The information provided at the time of purchase indicates that Ray DBrown opened the account on October 19, 2011. The last payment on the account was made on May 8, and the account was charged off on December 31, The account was placed for collection with the Law Office of Ed Overcash, LLC (“Overcash”) on February 5, and an initial notice letter was sent to the consumer on or about February 6, 2015. On February 20, 2015, Overcash placed an outbound telephone call to the consumer during which he disputed the debt and requested verification of debt (“VOD”) relating to the subject account. On that same date, Overcash notated the disputed status of the account, placed a hold on collection activity relating to the account, and performed an investigation into the consumer’s concerns. On or about February 24, 2015, Overcash sent the consumer a letter detailing the results of its investigation and forwarding VOD in accordance with the consumer’s request. On June 24, 2015, Overcash received an inbound call from the consumer during which the consumer claimed that he was the victim of identity theft. On or about July 9, 2015, Overcash sent the consumer a letter enclosing an identity theft affidavit with instructions to complete it and return it with a filed police report. On or about July 21, 2015, Overcash received the completed identity theft affidavit from the consumer with a filed police report, which was sent to the original creditor for further investigation on July 27, 2015. The original creditor concluded that the subject account was not fraudulent. Therefore, *** did not close the account at that time. Upon receipt of the instant complaint, *** made a business decision to close the account. The account is now closed, and no further monies are owed Please let us know if you have any questions