Leon Tabor Realty

Response from SCS: The consumer is sitting section of the FCRAHowever it appears she may be miss understanding section of the FCRAThis section requires Specialized Collection Systems, Inc to provide the consumer with All information in the applicant’s file at the time of the request, except that- if the applicant to whom the file relates requests that the first digits of the social security number (or similar identification number) of the applicant not be included in the disclosure and the CRA has received appropriate proof of the identity of the requester, the CRA shall so truncate the social security number in such disclosure; and The sources of information; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually use for no other purpose need not be disclosedHowever, in the event of a lawsuit, the sources must be made available to the plaintiff under appropriate discovery procedures in the court in which the action is broughtIdentification of each person that procured a background check for employment purposes, during the 2- year period preceding the date on which the request is made This was competed with a letter to the consumer, as she stated in her original complaint to Revdex.com, on [redacted] This letter met all requirements as outlined by the FCRAAlthough she is asking for “Original” documents, we have no legal requirements to provide that to her, or any consumer after the Validation Period has passedThe Validation Letter was sent on 04/12/Collection agencies are required by the FDCPA to give the consumer thirty days to dispute the debtIf an account is disputed during the Validation time period then a complete verification would be conducted and proper documents returned back to the consumer The validation time period for this consumer ended on 05/12/As a curtesy, we did provide additional documents and copies of documents in our letter to the consumer on [redacted] I understand the consumer’s frustration as medical bills and all the governing agencies (FCRA, FDCPA, etc,) can be complicated and confusingHowever, at this time and after a complete review of the account, we have provided the consumer with all documents that are requiredWe are willing to work with the consumer with many different resolution options

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] 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

The consumer has not provided enough information for us to locate the correct accountWe are happy to address her needs if she can provide the Original Creditor's Account Number or the SCS Account number as it is listed on her Collection letterHer name and address are not enough to legal verify
that we are discussing the correct accountIn addition, if she has a dispute with an item on her Credit she needs to dispute it with the Credit BureauSCS response to all disputes through *** - we only report to *** I hope this help and I hope we are provided additional information or order to fully review and respond to this ConsumerThanks

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
[Provide details of why you are not satisfied with this resolution.]
Regards,
This company has no integrityThey publish fraudulent fraudulent information to extort peopleThis is not the first time I've notified this company of these accountsNow, ice sent then the police reports via certified mailed with the return receiptI'm going to the FCC and maybe I'll have to sure you defaming my financial characterI've don't no business with you or the company you allegedly representIve sent the reports as proofCan I send the Revdex.com of what they are ignoring

Sent: Friday, August 26, 9:AM Subject: RE: Revdex.com complaint id *** To: Consumer, *** ***Thank you for taking the time to file a complaint, this has given us the opportunity to investigate your account and resolve any outstanding concernsAfter an investigation and review of your
complaint I believe there has been a miss communication as the Account in dispute has been closed since 09/03/and was never reported to any Credit BureauIn addition, Specialized Collection Systems, Incis not an out bound calling collection agencyWe do NOT make out bound calls; it is possible there is confusion between our collection letters and a different collection agency’s phone callsWe received a phone call from a person identifying themselves as the Guarantor and Patient, *** * *** on 09/02/at 2:32pmAfter speaking with Sheba, a Patient Account Representative at our agency, an agreement was made to settle the AccountWe offered a 20% discount of $36.65, leaving the account balance at $The consumer used an *** *** (ending in ***) to make a payment of $An email receipt and confirmation was sent to *** on 09/02/around 2:40pm The payment was confirmed and posted to the account on 09/03/2015, closing the Account as Paid in FullNo other letters were sent to the Guarantor regarding this accountAccount Details: Original Creditor: *** * *** ** Date of Service: 09/15/Amount Placed: $Placed with our Agency one 06/24/Closed with our Agency on 09/03/Amount Paid: $Amount Discounted: $I welcome the opportunity to review these details or answer additional questionPlease feel free to reach me at the Specialized Collection Systems, IncOffice anytime during business hoursOur Office number is Thank you, Megan Megan *** Vice President Specialized Collection Systems, Inco | f |

I have had the opportunity to do a thorough investigation on your account. These are my finding: ·         Consumer dispute via [redacted] received on 05/23/16 ·         SCS responded via [redacted] on 05/31/16...

·         Consumer requesting Verification via [redacted] received on  06/22/16 ·         Consumer sent Certified Letter #[redacted] on 06/29/16 ·         SCS requested additional documents from Original Creditor 06/29/16 for proper review. ·         Original Creditor (SCS’s Client) Request Account to be Canceled 07/01/16 to review [redacted] ·         SCS sent Consumer Zero Balance Letter and Cancelled Account letter on 07/01/16 ·         SCS Requested Account be deleted from [redacted] on 07/01/16 ·         [redacted], has up to 30 days to Delete the accounts. This is an [redacted] rule that SCS has no control over. ·         All 3 of Consumer’s Accounts were closed as of 07/01/16 I understand your frustration on trying to resolve your accounts and I appreciate you sending the Certified Letter and providing the additional [redacted] Information. It was because of the information you provided that we were able to resolve the account and Close the accounts on July 1, 2016. Unfortunately at this point we have responded to all of your communications in the appropriate manner and within all legally required timelines. I do understand your frustration about the account(s) still being on your credit. As such, we have sent a second request for your account(s) to be deleted from [redacted]. You may reference # [redacted] if you choose to call and get an update on the status with [redacted],  I wish I had more control, or at least visibility, over how fast [redacted] complete our Withdrawn and Delete requests.

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
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.

As requested by the consumer, the document that was signed by her when she consented to treatment is attached for review. This was for inpatient procedure at Cypress Fairbanks Medical Center Hospital ER and Imaging Center beginning 09/23/14. This document was obtained from the original creditor. The consumer is welcome to call 281-933-1355. Any of our Patient Account Representatives can give her more specifics about her account. If she would like, the consumer can ask specifically for Jane [redacted] Jane will be happy to be her personal Patient Account Representative. Thank you.

Response from SCS:   The consumer is sitting section 609 of the FCRA. However it appears she may be miss understanding section 609 of the FCRA. This section requires Specialized Collection Systems, Inc.  to provide the consumer with 1. All information in the applicant’s file at the...

time of the request, except that- if the applicant to whom the file relates requests that the first 5 digits of the social security number (or similar identification number) of the applicant not be included in the disclosure and the CRA has received appropriate proof of the identity of the requester, the CRA shall so truncate the social security number in such disclosure; and 2. The sources of information; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually use for no other purpose need not be disclosed. However, in the event of a lawsuit, the sources must be made available to the plaintiff under appropriate discovery procedures in the court in which the action is brought. 3. Identification of each person that procured a background check for employment purposes, during the 2- year period preceding the date on which the request is made.  This was competed with a letter to the consumer, as she stated in her original complaint to Revdex.com, on 0[redacted] This letter met all requirements as outlined by the FCRA. Although she is asking for “Original” documents, we have no legal requirements to provide that to her, or any consumer after the Validation Period has passed. The Validation Letter was sent on 04/12/2015. Collection agencies are required by the FDCPA to give the consumer thirty days to dispute the debt. If an account is disputed during the Validation time period then a complete verification would be conducted and proper documents returned back to the consumer.  The validation time period for this consumer ended on 05/12/2015. As a curtesy, we did provide additional documents and copies of documents in our letter to the consumer on [redacted]  I understand the consumer’s frustration as medical bills and all the governing agencies (FCRA, FDCPA, etc,) can be complicated and confusing. However, at this time and after a complete review of the account, we have provided the consumer with all documents that are required. We are willing to work with the consumer with many different resolution options.

[redacted] – Thank you for taking the time to send information to Revdex.com. I have looked over your complaint and would like to help you resolve the issues. Unfortunately I need additional information before we can completely resolve any issues. It appears that we may have 8 accounts that could belong...

to you. All of those are listed as disputed. We do have one account which we received a letter from the guarantee in November of 2016. The correspondence indicates there was ID theft however does not list medical or insurance fraud. In addition the letter from November 2016 did not provide a date of birth or Social Security Number and therefore we were unable to verify the correct account was being addressed. I am happy to close all your accounts that may have been caused by fraud and or theft. Please call and ask for Joan, she is going to help you resolve these accounts. We will need proper documentation from you in order to close these accounts correctly and properly. Joan will be happy to help you resolve your accounts. The office is open Monday-Thursday 7:30am – 6:00pm and Friday 7:30am-5:00pm. Please call 281-933-1355. Thank you, Megan [redacted]