Mitchell-Wiedefeld Funeral Home, Inc.

March 14th, Revdex.com of Central Indiana NDelaware Street #Indianapolis, IN 46204-Attn: *** *** Re: File No*** *** ***To Whom it May Concern, Our office sent Mr*** a copy of his bill and summary letter on 3/25/15. Mr*** disputed the account
with a credit reporting agency on or about 6/13/15. Our office did receive several emails disputing the debt however we have already verified the debt and would not send additional copies of bills. We have reviewed the email disputes and no address information was provided on the dispute. Our office has been unable to establish whether Mr*** received our notices and for that reason we requested removal of the debt from the credit reporting agencies on 3/11/16. We have sent Mr*** correspondence of our request for his records.Sincerely,IMC Credit Services Compliance Department

Dear Ms***,In response to your complaint with our office, please allow me to share
with you my findings regarding the above-mentioned account. We have reviewed the call August 14, 2015. There was a request to stop a payment that was setup to run on 10/30/
for $with a
payment instead for $that day. During that call a request was made for no further contact at work and the place of employment phone number was
marked at that time, not to receive calls.Per your request a refund is now pending for the $and should be
back in your checking account in the next business hours.We sincerely apologize for any inconvenience this has caused as well as an apology for any rudeness experienced from our representative. Our office takes customer service very seriously and we will handle this matter according to our internal policies. The consumer may call our collection manager, Jennifer
Purkey, to discuss any questions or concerns they still has regarding this
matter at (317) 849-6933.Sincerely,Jennifer ***Assistant Collections Manager

Re: File No*** *** *** Dear *** ***, In response to your letter, please allow me to share with you my findings regarding the above-mentioned account.On August 19, Ms*** paid $on her accounts then postdated a payment for September 1, of $via her
HSA. Statewide Credit Association did not process any unauthorized payments on Ms***’s accountThe collector mistakenly included an account in the balance that Ms*** was not responsible to pay. A refund was submitted February 2, in the amount of $to Ms***. Ms***’s accounts have corrected in our database. Our company does not store credit card information refunds are process through our credit card processor who works directly with the Automated Clearing House.I apologize for any inconvenience this has caused Ms***. The consumer may call our collection manager, Jennifer Purkey, to discuss any questions or concerns they still have regarding this matter at (317) 849-Sincerely, Jennifer P*** Assistant Collections Manager

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me.
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below.My original request was to have this agency provide me additional details that I never receivedAfter my own research and making the payment with the hospital directly, I am looking for them to write a letter to credit reporting agency stating the matter is resolved to be able to remove this from my credit report not just updating the balance as zero and still show on my credit reportThis should have never been reported (and would have never been reported if they had provided the details so I could resolve the matter)There are just way too many ** *** bills (with similar amounts) from ** *** Carmel, Fishers emergency physicians and emergency hospitalsThe agency should really provide the details to the customers what they are trying to collect if for some reason it is with them not simply ask for the money and not explain whyThis confusion has costed me a loss of over points in my credit scoreI would like to have them send the letter to the credit agencies so they can take this off my records
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this response/resolution is satisfactory to me.
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this response/resolution is satisfactory to me.
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below
Regards,
*** *** In their reply, IMC began by stating that they sent a validation letter to me on July 23, That is obviously not the truth because I did not even request validation until they received my certified letter on December 27, (It seems they don’t know what validation means.) Instead of sending me validation of a complete payment history, IMC sent me a letter on January 20, that showed an itemization of my medical servicesThat letter clearly stated,” THIS IS NOT A BILL.” It was a charge for an MRI pelvic w/o contrast, and it showed what my insurance paid and partial payments that I madeIt did not show my entire payment historyNow, I want to know what legal right does IMC have to view my personal information without my consent? Validation per the Fair Debt Practice Act is my right to request a complete history of my billing records, as well as proof that I have any contractual obligation to pay IMCI have paid off the entire amount in full and I do not owe any money to *** *** *** nor IMCTherefore, I am making my final request that IMC completely delete the bill they added to my credit reportsIf IMC is not compliant by immediately removing the erroneous bills from all three of my credit reports: My next step will be to seek legal action against them for violating the Fair Debt Practice Act and defamation of characterSincerely, *** ***

RE: ID Number *** Dear Ms***, This letter serves as our response to the complaint filed by *** ***IMC Credit Services has reviewed the account notes and the recorded calls in regards to Mr***. It has been determined that IMC Credit Services has attempted to work
fairly with Mr*** and the calls were in line with our expected standards.Our office has requested additional information from our client and as soon as the information is received in our office we will mail the verification to Mr***Recently, Mr*** has offered to settle his accounts for 35% of the balance due. Our client does not authorize us to settle accounts for this amount and we did communicate that our client would authorize a reduction, however not the amount that Mr*** offeredMr*** wishes to pay his accounts in exchange for our office deleting them. Once a credit reported account has been paid or settled in our agency, the account is then reported as paid in full, or settled in full to the credit reporting agencies. IMC Credit Services apologizes for any misunderstanding with Mr***. Should Mr*** wish to further discuss his accounts, he may contact me directly and I will be glad to assist himIf you have any questions, please feel free to contact me at (317) 829-0076.Sincerely,Stacy P***Assistant Collection Manager

August 10, 2015Revdex.com of Central IndianaNDelaware Street #2020Indianapolis, IN 46204-2599Attn: *** *** Re: File No*** *** Dear *** ***, In response to your letter, please allow me to share with you my findings regarding the above-mentioned account.
IMC received a dispute from Ms***, 6/29/15, requesting validation of her debts. Ms***’s accounts were then placed in a dispute status, copies of the bills were requested and all three credit reporting agencies were marked as disputed. IMC received an E-Oscar dispute on 8/5/15, in which the reported tradelines were deleted from Ms***’s credit while the accounts are still pending with requests out to our clients. Once IMC receives the copies of the bills they will be mailed to Ms***’s home address. Since the receipt of Ms***'s dispute letter we have not attempted collection efforts. The consumer may call our collection manager, Jennifer P***, to discuss any questions or concerns they still has regarding this matter at (317) 849-6933.Sincerely,Noelle *** ***

December 21, Revdex.com of Central Indiana Attn: *** *** N Delaware Street #Indianapolis, IN 46204- RE: ID No*** IMC Credit Services has reviewed the file *** *** has referenced in her complaint. IMC Credit Services
strives to work with consumers to resolve their debts in a timely manner. This includes offering options to stop credit reporting should they pay with a secured payment form within a six-month period *** *** specifically requested a letter stating that we will not honor her monthly unsecured payment. It is not common practice for IMC Credit Services, LLC to send letters stating what we won’t do Any payments that *** *** makes on her account will be applied to her balance We apologize for any inconvenience to *** *** Should you or *** *** need any further assistance, please do not hesitate to contact our office. Sincerely, Geoff R** Administrative Collection Manager

February 23, 2017 Revdex.com of Central IndianaAttn: *** ***N Delaware Street #2020Indianapolis, IN 46204-2599 RE: ID Number *** Dear Ms***, IMC Credit Services has reviewed the complaint from *** *** IMC Credit Services has no record of any
files for *** *** residing in the state of New YorkWe have no record of the phone number she referenced for herself in our data-base We have determined there are other companies with a name or acronym similar to IMC Credit Services. We apologize for any inconvenience to *** *** Should you or *** *** have any further questions, please feel free to contact me directly Sincerely, Stacy P***Administrative Collection Manager

May 24, Revdex.com of Central Indiana NDelaware Street #Indianapolis, IN 46204-Attn: *** *** Re: File No*** *** * *** Dear *** ***, In response to your letter, please allow me to share with you my findings regarding the
above-mentioned account. IMC has unfortunately never spoken to Ms*** in order to resolve this matterIMC has updated the address and has requested another letter to be mailed to Ms***. IMC has also requested a copy of the bill to show what the initial charges were for. Once, the copy of the bill is received in our office, it will be mailed mail to Ms***. The account has been updated on all three credit bureaus as deleted, due to the initial validation letter not going outA deletion letter will also be mailed to the consumer at the address listed on the complaint. I apologize for any inconvenience this has caused Ms*** The consumer may call our collection manager, Jennifer P***, to discuss any questions or concerns they still have regarding this matter at (317) 849- Sincerely, Jennifer P*** Assistant Collections Manager

February 22,
Revdex.com of Central Indiana
NDelaware Street #
Indianapolis, IN 46204-
Attn: *** ***
Re: File No***
*** ***
Dear *** ***,
In response to your letter, please allow me to share with you my findings regarding the above-mentioned
account.
IMC attempted to mail validation letters on all accounts listed in our office. The letters were returned in the mail due to an invalid address.
One account was listed with the credit reporting agencies and we have requested the account be deleted and a deletion letter will be mailed to Mr*** acknowledging the request. We now have a system safeguard in place to prevent accounts receiving mail return from reporting to the credit reporting agencies
IMC has requested the validation letters to be resent to the correct addressBalance verification and copies of the bills are also being requested on all accounts listed. Once, IMC receives the copies of the bills they will be mailed to the consumer via USPS mail
The consumer may call our collection manager, Jennifer***, to discuss any questions or concerns they still have regarding this matter at (317) 849-***
Sincerely,
Jennifer ***
Assistant Collections Manager

January 29, Revdex.com of Central Indiana NDelaware Street #Indianapolis, IN 46204-Attn: *** *** Re: Complaint #*** *** ** *** Dear *** ***, In response to your letter, please allow me to share with you my findings regarding
the above mentioned account. Ms*** has several accounts with IMC Credit Services, LLC (IMC)IMC has mailed validation letters to the consumer on these accountsIMC received no mail return and did verify the correct mailing address with Ms***. However, after further in depth review, it does appear that IMC had a breakdown in their internal process in putting all of Ms***’s accounts together and giving her a true and accurate total amount owed, thus causing her confusion in her total amount owed We apologize to Ms*** that IMC didn’t further investigate this matter when she called our office on January 24, IMC has deleted accounts from Ms***’s credit due to an internal IMC Credit Services, LLC issueA deletion letter will also be mailed to Ms*** acknowledging the request via USPS mail We apologize for any inconvenience this has caused Ms*** The consumer may call our office to discuss any questions or concerns she still has regarding this matter at (317) 829- Sincerely, Alissa B*** Litigation Manager

August 25, 2016 Revdex.com of Central IndianaNDelaware Street #2020Indianapolis, IN 46204-2599Attn: *** *** Re: File No*** *** Dear *** ***, In response to your letter, please allow me to share with you my findings regarding the
above-mentioned account. IMC Credit services received an account from *** *** *** on July 17, 2013. The account was first reported with the credit bureau on February 17, 2014. Ms*** paid her account in full on March 29, and was updated to the credit bureau on April 17, as paid in full. In 2015, Equifax, Experian and TransUnion announced the National Consumer Assistance Plan to enhance their ability to collect complete and accurate consumer informationIn accordance with this plan we were required to report a full file before 9/1/ which re-reported all previously reported accounts unless they were past the statute of limitations. Due to this requirement your paid in full account was re-reported on July 11th, 2016. We apologize for any inconvenience this has caused however we are only furnishing according to new compliance requirements The consumer may call our collection manager, Jennifer P***, to discuss any questions or concerns they still have regarding this matter at (317) 849-6933. Sincerely, Jennifer P***Assistant Collections Manager Sincerely, Jennifer P*** Assistant Collections Manager

September 7, Revdex.com of Central Indiana Attn: *** *** N Delaware Street #Indianapolis, IN 46204- RE: ID Number *** Dear Ms***, IMC Credit Services, LLC has reviewed the complaint received by *** *** The
accounts from and are being returned to our clients and have been requested to be deleted from the credit bureaus. IMC Credit Services, LLC is handling accounts from more recent dates of service and further communication is needed with *** *** to assist in resolving these matters We apologize for any inconvenience to *** *** Should you or *** *** need any additional information, please feel free to contact me directly Sincerely, Stacy P*** Administrative Collection Manager

February 17, Revdex.com of Central Indiana Attn: *** *** N Delaware Street #Indianapolis, IN 46204- RE: ID Number *** Dear Ms***, IMC Credit Services has reviewed the file *** *** has referenced in the
complaint. IMC Credit Services has requested a deletion of the referenced account from the credit bureausWe have requested a letter be mailed to him reiterating the account has been deleted We apologize for any inconvenience to *** *** Should you or *** *** have any further questions, please feel free to contact me directly Sincerely, Stacy P*** Administrative Collection Manager

April 22, 2016 Revdex.com of Central Indiana 151 N. Delaware Street #2020 Indianapolis, IN 46204-2599 Attn: [redacted] Re: File No. [redacted] Dear [redacted], In response to your letter, please allow me to share with you my findings regarding the above mentioned account. Ms....

[redacted] has several accounts with IMC Credit Services. IMC has mailed several validation letters to the consumer on these accounts.  After further review, it does appear that some of the validation letters were returned to our office marked “unknown”, while others where not returned to us. It is difficult to tell whether or not Ms. [redacted] actually received the letters. IMC has deleted accounts from  Ms. [redacted]’s credit due to the letters not being received. A deletion letter will also be mailed to Ms. [redacted] acknowledging the request via USPS mail. I apologize for any inconvenience this has caused Ms. [redacted].  The consumer may call our litigation manager, Alissa [redacted], to discuss any questions or concerns she still has regarding this matter at (317) 829-0077. Sincerely, Alissa [redacted] Litigation Manager

January 12, 2017  Revdex.com of Central IndianaAttn: [redacted]151 N Delaware Street #2020Indianapolis, IN 46204-2599  RE: ID Number [redacted]  Dear Ms. [redacted], This letter serves as our response to the complaint filed by [redacted]. IMC Credit Services has...

no records of any file for [redacted] of [redacted], [redacted]. We do not have Mr. [redacted]’s telephone number in our data-base.  Mr. [redacted] did not list the telephone number that has been calling him, only IMC Credit Services, LLC.  We do know that there are other companies with a similar name.  We apologize to Mr. [redacted] for his inconvenience but we have no record of attempting to contact him.   Should you have any questions, please feel free to contact me at (317) 829-0076. Sincerely, Stacy P[redacted]Administrative Collection Manager