Optimum Outcomes

We have received the submission and found the following in our researchWe do have an account for Mr [redacted] for our client [redacted] ER SpecialistsAs required, we sent a dunning letter to the address provided by our client on 11/12/2015, a second letter on 3/29/and we have received no returned mailMr [redacted] has also submitted an identity theft claim to our companyWe have mailed a letter requesting additional documentation required in order to forward it to our client for reviewAs a courtesy, we have submitted a request to have all derogatory information removed from his credit report in anticipation of receipt of the additional documentation required to review his identity theft claimPlease allow up to days for the credit report to be updated

Complaint: [redacted] I am rejecting this response because: This complaint along with the others from this business have been put back onto my reports as I have recieved current copies of my report Sincerely, [redacted] ***

We sent a validation notice to show the validity of the accounts to the address provided by our clientThe address provided by our client matches the address in the submissionAlso the accounts are being reported to all three credit bureaus as disputedOnce the letters are received and reviewed, if there are still further questions please contact us at the number providedIf Mr [redacted] believes the accounts are not his, please have him submit a copy of a police report and a photo ID so we may contact our client to review his identity theft claimThe documentation can be mailed to Optimum Outcomes, Inc [redacted] Please have Mr [redacted] provide further clarification if he feels his submission was not addressed

We have reviewed the submission and found the following in our researchMr [redacted] account reflects a zero balance and has been submitted to all three credit bureaus to remove any derogatory informationWe have emailed a paid in full letter as well as a letter confirming the submission for deletion

All accounts were sent for deletion prior to 8/5/It should take no longer than days for the derogatory information to be removedPlease dispute the incorrect information directly with the bureau where it appearsWe will then reconfirm that the information should not appear

The demographics that Ms [redacted] provided in her submission do not match the information in our databaseIt is our company policy that if we can not confirm the identity of the party that has submitted a request to the Revdex.com, the information we are able to provide is very limitedPlease have Ms [redacted] contact our office at [redacted] so that we can verify additional information and we can move forward to resolve her concerns

We have three accounts for Ms [redacted] from our client [redacted] Emergency Physicians at ClaytonMs [redacted] has advised that she does not have an attorney, all accounts are active and she can call our office for further assistance

We have received and reviewed the complaint and in our research have found the followingWe do not currently have any active accounts for [redacted] All accounts have been withdrawn and submitted to all three credit bureaus for deletion

We have an account for Ms [redacted] that was placed in our office on 10/10/from our client Open MRI and Imaging of DeKalbWe mailed a dunning letter on 10/12/to the address in her submissionWe received a validation request in June and a validation letter was mailed to the same address on 6/21/Validation of the account has already been provided

We have researched the information provided and have found the following:The referenced accounts have been deleted from your credit fileIf you have any further questions or would like correspondence sent to you regarding this matter please contact a customer service representative at [redacted]

Initial Business Response / [redacted] (1000, 5, 2015/07/15) */ We have received all of the information provided and and currently researching this dispute with the clientAs per your request to cease and desist all communication regarding this account, this will be our final attempt to communicate with you, verbally or in writingWe have placed your account on a hold to allow time for claim processing If you would like to inquire as to the status of the dispute please contact a customer service representative at XXX-XXX-XXXXPlease allow days before following up about the claim Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/07/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) Has Nationwide Insurance Company been contacted to confirm payment? I did dispute this prior to the account being reported to a credit agencyWas this account reported as a "disputed" account? I want this resolved completely once and for allThank you Final Business Response / [redacted] (4000, 11, 2015/08/11) */ We have reviewed the information provided and found the following: Nationwide insurance has been billed but no payments or adjustments have been received at this timePlease allow time for the claim to be processed If you would like to speak with a customer service representative please contact XXX-XXX-XXXX

We apologize that the draft was not taken on the date requested and a refund was processed within twenty four hours of the withdrawalIf Ms [redacted] will provide documentation that over draft fees were incurred we will be happy to refund the charges

We are in receipt of a validation and cease and desist request from Mr [redacted] to which we have previously repliedDue to the cease and desist, we are unable to provide any further information

Initial Business Response / [redacted] (1000, 5, 2015/10/01) */ We have sent the deletion letter to the email you have providedIf you would like to discuss this further please contact a customer service representative at XXX-XXX-XXXX Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/10/05) */ (The consumer indicated he/she ACCEPTED the response from the business.) I am satisfied with the business's responseI finally received my deletion lettersI hope this company will refrain from re-opening any medical bills on my report that are closed

We are unable to locate an account in our database that matches the information provided by Mr [redacted] We need additional demographics to be able to validate his submission which can include date of birthand last four of social security numberOnce we have received the information we will be able to research furtherIf Mr [redacted] believes this is a possible case of identity theft, please have him provide a copy of a police report and photo ID so we can forward it to our client for reviewThe requested documentation can be mailed to Optimum Outcomes, Inc [redacted] ***

We do not buy debt from the original creditorWe have not previously received a request for validation or cease and desist from this guarantorAccount referenced, [redacted] , we are sending a validation and acknowledging the request for cease and desistAccount referenced, [redacted] , we have determined belongs to a different partyWe have submitted [redacted] for credit deletion from all reporting agencies

We have received the submission and found the following in our researchWe have two accounts for Mr [redacted] from our client [redacted] Emergency Medical that total the dollar amount providedWe have not received a written request for validation from Mr [redacted] We have previously mailed notifications of the accountsWe have now marked both accounts as disputed and mailed a validation notice for both accountsOnce received and reviewed please have Mr [redacted] contact us at [redacted] to discuss the matter

We sent the consumer a letter advising of the account on 10/12/We have also sent a validation letter on 6/21/and an itemized statement on 1/12/The consumer has disputed this account with the credit bureaus via EOscar five times and we have responded each timeWe also attempted to call the patient times to discuss the accountWe have provided her with everything that she has requested that we are required to provideWe are not required to provide signed contract, complete payment history and terms and agreementIt is our policy to credit delete when an account is paid in fullTell us why here

Initial Business Response / [redacted] (1000, 5, 2015/04/14) */ Hello, we have reviewed the information you have provided and a validation has been sent to your home addressIf you would like to speak with a customer service representative please contact XXX-XXX-XXXX

We have not received any returned mail for Ms [redacted] The itemized statement was requested on the date of our original reply and it may take up to business days to receive the documentationPlease contact our office if it has not been received so we can take additional measures to ensure its receipt