Medicredit, Inc.

We are in receipt of the complaint filed by [redacted] and have thoroughly reviewed this matter.  We apologize for any confusion or inconvenience experienced by the consumer. We are currently working diligently with our client, to resolve the consumers concern. We are requesting...

additional time to fully research this matter to reach an acceptable resolution. Thank you.

We are in receipt of the complaint filed by [redacted] and have thoroughly reviewed this matter.  We apologize for any confusion or inconvenience experienced by the consumer. The account in question was placed with our office on 08/22/2017 by our client, [redacted]. As...

of 01/19/2018 the account is no longer with our office. We are showing the account has been deleted for credit reporting. . If the consumer needs further assistance please have them contact [redacted] directly. Thank you.

Initial Business Response /* (1000, 5, 2015/07/01) */
We are in receipt of the complaint filed by [redacted] and have taken the time to thoroughly review the complaint. We apologize for any inconvenience experienced by Ms. [redacted] when working with our offices. At this time we reflect...

that payments were made by the consumer on 01/05/2015, 02/11/2015, 03/04/2015, and 05/01/2015 during the last 6 months. Since there was not a payment received in April or June this caused our system to generate calls to Ms. [redacted]. We have noted the account so that no further calls will be made to Ms. [redacted] in the future, as our company never wishes for someone to feel they are being harassed. Our current policy is to mail reminder letters 5 days prior to the due date of the payment, we apologize if that does not best suit Ms. [redacted]'s needs, but we will make sure no further calls are made regarding this account. We will continue to process and apply all future payments as they are received.

We are in receipt of the complaint filed by [redacted] and have thoroughly reviewed this matter. We again apologize for any confusion or inconvenience experience by the consumer. The account in question was placed in our office on 01/23/17 by our client, [redacted]. At this time the account has reported correctly to the credit agency as Paid in full. The account is closed, we have not received a request from our client to take any further action. If the consumer needs further assistance please have them contact our office directly. Thank you

Initial Business Response /* (1000, 5, 2015/06/09) */
We are in receipt of the complaint filed by [redacted] and have taken the time to thoroughly review the complaint. We apologize for any inconvenience experienced by Ms. [redacted], and a deletion was submitted to the credit reporting agencies...

on 06/08/2015, with a control number of XXXXXXXX should Ms. [redacted] need anything further please feel free to have her contact our office directly.

Complaint: [redacted]
I am rejecting this response because: I have paid the account in full and I am requesting the account be removed from my credit report. I have tried to reach out to the business directly since receiving their last response, and have not been able to speak with anyone in regards to this matter. I have also reached out to this business by writing two letters asking that the account paid in full be removed from my credit report please. 
Sincerely,
[redacted]

Complaint: [redacted]
I am rejecting this response because:I have included the certified letter that was sent to your company. Please validate the debt or remove it from my credit report. You have already violated FCRA and FDCPA regulation when you failed to provide the requested information within 30 days of receiving the letter. 
Sincerely,
[redacted]

Complaint: [redacted]I am rejecting this response because: As I originally stated, the business did not do their due dilligence and never informed me about this account being placed in collections. As a prooof of this is their response that states I called and confirmed my address as [redacted], which is false because my address is [redacted]. This is probably why they I never got any notification from them as they clearly sent it to the wrong address . When I called on 11/27 they told me they called my cellphone but I never had a conversation with anyone from that collection agency or a voicemail from them. Meanwhile, the hospital has also closed the account and are contacting the collection agency to stop reporting this to the credit agency. As a proof of above I’m attaching copy of my drivers license with my address, receipt for payment of copays. I expect Thai collection agency to admit to failing to follow adequate procedure and failure to contact me which resulted in damage to my credit report. Sincerely,[redacted]
Sincerely,
[redacted]

Initial Business Response /* (1000, 5, 2015/09/25) */
We are in receipt of the complaint filed by [redacted] and have taken the time to thoroughly review the complaint. We apologize for any inconvenience experienced by Ms. [redacted]. Upon receipt of Ms. [redacted]'s complaint we did reach out to our...

client, [redacted] to confirm the balance placed with our office is accurate and owing, and they have confirmed we have the correct balance, of $25.00 for a date of service of February 21st, 2012. According to our account notes, Ms. [redacted] has discussed this account with several agents in our office, and I do show her calls were returned, I apologize in any delay Ms. [redacted] may have experienced in speaking with someone. Should Ms. [redacted] wish to discuss the accounts further or provide documentation showing proof of payment, we can provide that information to our client to have it investigated, please feel free to have her contact our office directly or provide the documentation through your office.

Initial Business Response /* (1000, 5, 2015/10/29) */
We are in receipt of the complaint filed by Mr. [redacted] and have taken the time to thoroughly review the complaint. We apologize for any inconvenience experienced by Mr. [redacted]. We do show that the account was reported,...

in error on June 15th, 2015 but was immediately corrected and deleted on June 18th, 2015. We have called all three credit reporting agencies (Transunion, Equifax, and Experian) to confirm that this account is not reflecting on Mr. [redacted]'s credit. To ensure Mr. [redacted] does not have any additional issues stemming from this, an additional deletion was submitted with a control number of #XXXXXXXX. Upon receipt of Mr. [redacted]'s complaint we reached out to our client, [redacted] Hospital, to confirm that after insurance and adjustments, they show a balance of $69.16 as due and owing.
Initial Consumer Rebuttal /* (3000, 7, 2015/10/30) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I just checked my credit report and the disputed item is still there. I do agree that they posted this in error, but they need to take additional steps to successfully remove the item.
Final Business Response /* (4000, 18, 2015/11/12) */
After receipt of the consumer's follow-up concerns. We have reached out to Transunion, Equifax, and Experian, today 11/12/2015 and all three credit reporting agencies have confirmed the account has been deleted. If the item is still appearing on the consumer's credit report, please ask that they fax a copy to XXX-XXX-XXXX so that we can thoroughly investigate.
Final Consumer Response /* (2000, 21, 2015/11/14) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Even though I suspect that the company did not follow through on the request, due to the ongoing investigation from Trans Union...my credit report was corrected. Since that is all that I was asking for, this is resolved.

Initial Business Response /* (1000, 6, 2015/09/09) */
We are in receipt of the complaint filed by [redacted]. Our office has taken the time to thoroughly review the complaint. Unfortunately, at this time we are unable to discuss/address this account with anyone other than the account holder. ...

Should Mr. [redacted] wish to contact our office and give authorization for this matter to be handled by a third party, please have him contact our office directly. We have also had our IT department verify that all phone numbers are in working order.

I miss read the response from medicredit about sending a deletion request to the credit agency can you please delete my last response

We are in receipt of the complaint filed by [redacted] and have thoroughly reviewed this matter.  We apologize for any confusion or inconvenience experienced by the consumer. The accounts in question were placed with our office on 06/12/2017 by our client, [redacted]. Per our...

agreement with our client, [redacted], we began reporting to the credit reporting agencies, on 07/27/2017. Per review of the accounts these accounts were paid in full and were updated to the credit agencies as Paid in Full. The control number for both updates to agencies are [redacted] and [redacted]. Again we apologize for any inconvenience.  If the consumer needs further assistance please have them contact our office directly. Thank you.

Mr. [redacted], please contact our office using consumer #[redacted]. I located an account that matches this description. Please allow us to discuss this with you to see if we can clear this up. The account in question matches the DOB you provided.

Complaint: [redacted]
I am rejecting this response because: No one from this company has reached out to me to resolve this matter. The account was paid in full in March, it is now June and this is still showing on my credit report has an unpaid debt. This has greatly affected my credit score and ability to make any credit-based decisions. I have proof on the bank statement that this has been paid but I cannot do anything to contest this wrongful collections listing without proof from MediCredit of this account having a zero balance. I have been told by employees of this company that they "need more time" to deal with this issue, but two months seems like ample time to have resolved this or at least provide a legitimate timeline as to when it will be corrected, and as of yet I do not have a single assurance that MediCredit is actually working to resolve this. 
Sincerely,
[redacted]

Complaint: [redacted]
I am rejecting this response because:Again, I am going back and fourth with this company whom has again failed to provide documentation of a valid debt that they are still claiming that I owe. They have failed again to provide me with any documentation to support this claim, they have already exceeded the 30 days allotted time for them to verify this debt, this company has broken the law and I will take legal action against them. They sent me a bill in the mail once again claiming I owe them this money and I do not. Again they are still continuing to report this information negatively on my credit reports with all three bureaus. This again is unacceptable. The FCRA states that if a company is reporting a debt that they claim that I owe if they can not or has not proven that this is a valid debt that I  owe this debt, meaning any documentation that bears my signature as proof that this is valid then it must be deleted from my reports immediately. Again all I received from this company is a bill this is unacceptable. I am asking this company once again to delete this information from all 3 of my credit reports immediately. My credit is not a joke and I will not sit back and have false information reported against me, this is a crime against my character and I will not accept this.
Sincerely,
[redacted]

Complaint: [redacted]
I am rejecting this response because:
I have sent 2 letters to the above referenced collection agency and they would not provide validation of the alleged debt upon my request.  Per the FCRA, if the collections agency is not able to validate the alleged within 30 days of receipt of my letter which was mailed to them on and they signed for the document on 3/6/18 they MUST DELETE the stated account from the credit reporting agencies.   I advised Medicredit to forward me a copy of  documents confirming the debt and they have failed to do so and I am demanding this account be DELETED from my credit reports as per statute of the Fair Credit Reporting Act.  I am not accepting the response provided.
Sincerely,
[redacted]

Our office has received the customer rebuttal, I apologize for the delay in response. Our IT department is currently investigating the credit reporting claim. Please allow additional time.

Initial Business Response /* (1000, 5, 2015/07/16) */
We are in receipt of the complaint filed by [redacted] and have taken the time to thoroughly review the complaint. We apologize for any inconvenience experienced by Ms. [redacted] and we have asked our Quality Department to review her...

interactions with our company to ensure that our highest standards of customer service are being upheld by all of our representative. At this time we have sent the information provided by Ms. [redacted] on to our client, [redacted] of [redacted] for review in regards to her insurance information. We have placed the account on hold in our office until our client has reviewed the matter and resolved all matters regarding Ms. [redacted]'s insurance.

We are in receipt of the complaint filed by [redacted] and have thoroughly reviewed this matter.  We apologize for any confusion or inconvenience experienced by the consumer. The account in question was placed with our office on 01/23/2018 by our client, [redacted]...

[redacted]. In reviewing the account it shows that the consumer’s wife paid the settlement amount on the account. A request has been sent to have credit reporting corrected and updated as paid in full. We once again apologize for any inconvenience this may have caused. If the consumer needs further assistance please have them contact our office directly. Thank you.