Initial Business Response /* (1000, 5, 2016/03/14) */
To whom it may concern:
Thank you for your recent correspondence regarding Mr***'s complaint
I have reviewed Mr***'s complaint with our internal filesOur standard policy is to report accounts as paid to the credit reporting
agencies and not to remove them from a consumer's credit file.Due to the nature of Mr***'s complaint, we have requested removal of the accounts from his credit reportWe have submittedAutomated Universal Data forms through the EOSCAR system to the credit reporting agencies requesting the removal of accounts
If you need any additional information or if I can be of further assistance, please advise
Sincerely,
*** ** ***
President & CEO
March 21, 2018 Revdex.comAttention: Dispute resolution DepartmentN UniversityPeoria, IL 61615Re: Case #12718116To whom it MAY Concern,Thank you for your recent correspondence regarding Mr*** complaint.We Recieved the complaint on March 13, and completed a thorough
review of Mr***' accounts with our office. Our records do not reflect that we have recieved any comminication from Mr*** in the past indicating Identity theft. we have also contacted our client, SIU Physicians and surgeons, to obtain any additional documentation they may have.We have submittes a request to the credit reporting agencies through the E-OSCAR system to mark the accounts in question as disputed pending our investigation. Upon receipt of the requested documentation from Mr***, we will compare the items provided to those we have on recordIf our investigation concludes that the accounts are are the result of Identity theft, we will submit a request for removal of the accounts from Mr***' credit file. If we find the accounts are not the result of Identity theft, we will supply Mr*** with additional details supporting the accounts.If you need any additional information or if I can be of further assistance, please contact me directly at (217) 744-4006.Sincerely, Connie MMatrischPresident & CEO
To Whom It May Concern:Thank you for your recent correspondence regarding Mr***'s complaint.Upon receipt of the complaint, we conducted a thorough review of the account in questionOur records show the account from *** *** was placed with our office for collection on February 11,
Since that time, we have attempted to contact Mr*** via telephone and U.SMailThe correspondence sent via U.SMail has not been returned and our attempts to contact Mr*** via telephone have been unsuccessful.In January 2017, our office received a dispute via the *** system stating that Mr*** was not aware of collectionOur staff reviewed the information on file and responded through the *** system that the account was verified as reportedSubsequently, we mailed Mr*** a detailed statement of the charges associated with the accountWe again attempted to contact him via telephone without success.Mr***'s complaint to the Revdex.com indicates that he has spoken to our office on three separate occasionsOur records do not reflect that we have spoken to Mr***The complaint form also provided an address of *** *** *** *** *** ***, Springfield, Illinois Our records reflected address of 3*** *** *** *** *** ***, Springfield Illinois We have updated our records to Mr***'s correct address ad have mailed another copy of the detailed statement of charges associated with the state and provide our office with additional information as to why he feels the account does not belong to him.Our records indicate that *** *** and *** both removed the account from Mr***'s credit file due to their own internal policiesAt that time, our files were updated to no longer report that account to the credit reporting agenciesAs an additional precaution, we have submitted an Automated Universal Data form through the *** system to the credit reporting agencies requesting the removal of the account.If you need any additional information or if I can be of further assistance, please advise.Sincerely,Connie MMatrischPresident & CEO
To Whom It May Concern :Thank you for your recent correspondence regarding Ms. [redacted]'s complaint.Upon receipt of the complaint, we completed a thorough review of Ms. [redacted]'s accounts with our office. We have confirmed that she filed her Chapter 13 bankruptcy on 12/03/12 and discharge was...
granted on 6/13/16. The account which is appearing on her credit file is for a date of service of 12/04/12 which is after the filing of her bankruptcy. Due to the close proximity of the filing of the bankruptcy and the date of service for this account, we have submitted a request to the credit reporting agencies through the E-OSCAR system to remove the account from Ms. [redacted]'s credit file.I need any additional information or if I can be of further assistance, please contact me directly at [redacted].Sincerely,Connie M. MatrischPresident & CEO
To Whom It May Concern:Thank you for your recent correspondence regarding Mr. [redacted]'s complaint.Upon receipt of the complaint, we conducted a thorough review of the account in question. Our records show the account from Jones Plumbing, Inc. was placed with our office for collection on November 5,...
2014. Since that time, we have attempted to contact Mr. [redacted] via telephone and U.S. Mail. We have never received a response or notification of a dispute from Mr. [redacted] prior to correspondence.We will be mailing a copy of the statement detailing the outstanding charges directly to Mr. [redacted] for his review. We would ask that Mr. [redacted] review that statement and provide our office with additional information as to why he feels the account does not belong to him.Due to the nature of Mr. [redacted]'s dispute, we have requested removal of the account from his credit report. On January 26,2017, we submitted and Automated Universal Data form through the EOSCAR system to the credit reporting agencies request the removal of the account.Mr. [redacted]'s complain also included a request that we not sell his account. Our office does not purchase or sell accounts.In you need any additional information or if I can be of further assistance. please advise.Sincerely,Connie M. MatrischPresident
To Whom It May Concern:Thank you for your recent correspondence regarding Mr. [redacted]s' complaint.Upon receipt of the complaint we completed a thorough review of Mr. [redacted]s' accounts with our office. Our records do not reflect that we have received any communication from Mr. [redacted]s in the past...
including Identity Theft. We have mailed Mr. [redacted]s a letter requesting additional information so we may conduct a more thorough review of the accounts in question to determine if they are the result of Identity Theft.We have submitted a request to the credit reporting agencies through the E-OSCAR system to mark the accounts in question as disputed pending our investigation. Upon receipt of the requested documentation from Mr. [redacted]s, we will compare the items provide to those we have on record. if our investigation concludes that the accounts are the result of Identity Theft, we will submit a request for removal of the accounts from Mr. [redacted]s' credit file. If we find that accounts are not the result of Identity Theft, we will supply Mr. [redacted]s with additional details supporting the accounts.If you need any additional information or if I can be of further assistance, please contact me directly at [redacted].Sincerely,Connie M. MatrischPresident & CEO
To Whom It May Concern:Thank you for your recent correspondence regarding Mr. [redacted]'s complaint.Upon receipt of the complaint we completed a thorough review of Mr. [redacted]'s accounts with our office. Our records show that [redacted]/Clinical Pathology placed three accounts with our office for collection....
Two accounts were placed on February 29, 2016 and one account was placed on March 21, 2016. Since that time, we have attempted to contact Mr. [redacted] via telephone and U.S. Mail. The correspondence sent via U.S. Mail has not been returned and our attempts to contact Mr. [redacted] via telephone have been unsuccessful. Mr. [redacted] has not contacted our office directly to dispute the accounts or to obtain verification of the accounts.We will be mailing a copy of statements detailing the outstanding charges directly to Mr. [redacted] for his review. Mr. [redacted]'s complaint indicates that the accounts are in dispute with insurance. We would ask that Mr. [redacted] review the statements and provide our office with additional information related to his dispute and the status of his dispute with his insurance company.In his complaint Mr. [redacted] states: "Please be advised the under Federal Statutes. The Fair Credit Reporting Act (15 U.S.C. 1681 et seq) and Illinois Attorney General Consumer Credit Statutes, and subtitle D of the ARRA, Sec. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES; and SEC. 13407(1) BREACH OF SECURITY. - The term "breach of security" means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. you may be held liable for the actions of (collection agency name). Please note that the these liabilities are under the penalty rules of the Omnibus Final Rule effective 09/23/2013 interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 (HITECH Act) as issued 11/30/2009." Mr. [redacted] also states that he would like "proof of services which under the HIPAA act this collection agency can not under law provide me with! Therefore under the FCRA has to be removed from my credit report." Under HIPAA medical providers may only disclose medical information if they have permissible purpose for doing so. Disclosing information as needed to obtain payment for services rendered is considered a permissible purpose under HIPAA. The Privacy Rule permits a collection agency, as a business associate, to use and disclose protected health information as necessary to obtain reimbursement for health care services. This includes certain disclosures to credit reporting agencies.Our records indicate that the collection accounts being reported on Mr. [redacted]'s credit file are being reported accurately and we do not find a valid reason for removal of those accounts. We have flagged these accounts to reflect a disputed status with credit reporting agencies.If you need any additional information or if I can be of further assistance, please contact me directly at (217) 744-4006.Sincerely,Connie M. MatrischPresident & CEO
I am rejecting this response because:I figured the Revdex.com would be able to resolve this matter, I will file with the CFPB next as well as an ID theft report with the FTC to resolve this!
Initial Business Response /* (1000, 5, 2016/03/14) */
To whom it may concern:
Thank you for your recent correspondence regarding Mr***'s complaint
I have reviewed Mr***'s complaint with our internal filesOur standard policy is to report accounts as paid to the credit reporting
agencies and not to remove them from a consumer's credit file.Due to the nature of Mr***'s complaint, we have requested removal of the accounts from his credit reportWe have submittedAutomated Universal Data forms through the EOSCAR system to the credit reporting agencies requesting the removal of accounts
If you need any additional information or if I can be of further assistance, please advise
Sincerely,
*** ** ***
President & CEO
March 21, 2018 Revdex.comAttention: Dispute resolution DepartmentN UniversityPeoria, IL 61615Re: Case #12718116To whom it MAY Concern,Thank you for your recent correspondence regarding Mr*** complaint.We Recieved the complaint on March 13, and completed a thorough
review of Mr***' accounts with our office. Our records do not reflect that we have recieved any comminication from Mr*** in the past indicating Identity theft. we have also contacted our client, SIU Physicians and surgeons, to obtain any additional documentation they may have.We have submittes a request to the credit reporting agencies through the E-OSCAR system to mark the accounts in question as disputed pending our investigation. Upon receipt of the requested documentation from Mr***, we will compare the items provided to those we have on recordIf our investigation concludes that the accounts are are the result of Identity theft, we will submit a request for removal of the accounts from Mr***' credit file. If we find the accounts are not the result of Identity theft, we will supply Mr*** with additional details supporting the accounts.If you need any additional information or if I can be of further assistance, please contact me directly at (217) 744-4006.Sincerely, Connie MMatrischPresident & CEO
To Whom It May Concern:Thank you for your recent correspondence regarding Mr***'s complaint.Upon receipt of the complaint, we conducted a thorough review of the account in questionOur records show the account from *** *** was placed with our office for collection on February 11,
Since that time, we have attempted to contact Mr*** via telephone and U.SMailThe correspondence sent via U.SMail has not been returned and our attempts to contact Mr*** via telephone have been unsuccessful.In January 2017, our office received a dispute via the *** system stating that Mr*** was not aware of collectionOur staff reviewed the information on file and responded through the *** system that the account was verified as reportedSubsequently, we mailed Mr*** a detailed statement of the charges associated with the accountWe again attempted to contact him via telephone without success.Mr***'s complaint to the Revdex.com indicates that he has spoken to our office on three separate occasionsOur records do not reflect that we have spoken to Mr***The complaint form also provided an address of *** *** *** *** *** ***, Springfield, Illinois Our records reflected address of 3*** *** *** *** *** ***, Springfield Illinois We have updated our records to Mr***'s correct address ad have mailed another copy of the detailed statement of charges associated with the state and provide our office with additional information as to why he feels the account does not belong to him.Our records indicate that *** *** and *** both removed the account from Mr***'s credit file due to their own internal policiesAt that time, our files were updated to no longer report that account to the credit reporting agenciesAs an additional precaution, we have submitted an Automated Universal Data form through the *** system to the credit reporting agencies requesting the removal of the account.If you need any additional information or if I can be of further assistance, please advise.Sincerely,Connie MMatrischPresident & CEO
To Whom It May Concern :Thank you for your recent correspondence regarding Ms. [redacted]'s complaint.Upon receipt of the complaint, we completed a thorough review of Ms. [redacted]'s accounts with our office. We have confirmed that she filed her Chapter 13 bankruptcy on 12/03/12 and discharge was...
granted on 6/13/16. The account which is appearing on her credit file is for a date of service of 12/04/12 which is after the filing of her bankruptcy. Due to the close proximity of the filing of the bankruptcy and the date of service for this account, we have submitted a request to the credit reporting agencies through the E-OSCAR system to remove the account from Ms. [redacted]'s credit file.I need any additional information or if I can be of further assistance, please contact me directly at [redacted].Sincerely,Connie M. MatrischPresident & CEO
To Whom It May Concern:Thank you for your recent correspondence regarding Mr. [redacted]'s complaint.Upon receipt of the complaint, we conducted a thorough review of the account in question. Our records show the account from Jones Plumbing, Inc. was placed with our office for collection on November 5,...
2014. Since that time, we have attempted to contact Mr. [redacted] via telephone and U.S. Mail. We have never received a response or notification of a dispute from Mr. [redacted] prior to correspondence.We will be mailing a copy of the statement detailing the outstanding charges directly to Mr. [redacted] for his review. We would ask that Mr. [redacted] review that statement and provide our office with additional information as to why he feels the account does not belong to him.Due to the nature of Mr. [redacted]'s dispute, we have requested removal of the account from his credit report. On January 26,2017, we submitted and Automated Universal Data form through the EOSCAR system to the credit reporting agencies request the removal of the account.Mr. [redacted]'s complain also included a request that we not sell his account. Our office does not purchase or sell accounts.In you need any additional information or if I can be of further assistance. please advise.Sincerely,Connie M. MatrischPresident
To Whom It May Concern:Thank you for your recent correspondence regarding Mr. [redacted]s' complaint.Upon receipt of the complaint we completed a thorough review of Mr. [redacted]s' accounts with our office. Our records do not reflect that we have received any communication from Mr. [redacted]s in the past...
including Identity Theft. We have mailed Mr. [redacted]s a letter requesting additional information so we may conduct a more thorough review of the accounts in question to determine if they are the result of Identity Theft.We have submitted a request to the credit reporting agencies through the E-OSCAR system to mark the accounts in question as disputed pending our investigation. Upon receipt of the requested documentation from Mr. [redacted]s, we will compare the items provide to those we have on record. if our investigation concludes that the accounts are the result of Identity Theft, we will submit a request for removal of the accounts from Mr. [redacted]s' credit file. If we find that accounts are not the result of Identity Theft, we will supply Mr. [redacted]s with additional details supporting the accounts.If you need any additional information or if I can be of further assistance, please contact me directly at [redacted].Sincerely,Connie M. MatrischPresident & CEO
To Whom It May Concern:Thank you for your recent correspondence regarding Mr. [redacted]'s complaint.Upon receipt of the complaint we completed a thorough review of Mr. [redacted]'s accounts with our office. Our records show that [redacted]/Clinical Pathology placed three accounts with our office for collection....
Two accounts were placed on February 29, 2016 and one account was placed on March 21, 2016. Since that time, we have attempted to contact Mr. [redacted] via telephone and U.S. Mail. The correspondence sent via U.S. Mail has not been returned and our attempts to contact Mr. [redacted] via telephone have been unsuccessful. Mr. [redacted] has not contacted our office directly to dispute the accounts or to obtain verification of the accounts.We will be mailing a copy of statements detailing the outstanding charges directly to Mr. [redacted] for his review. Mr. [redacted]'s complaint indicates that the accounts are in dispute with insurance. We would ask that Mr. [redacted] review the statements and provide our office with additional information related to his dispute and the status of his dispute with his insurance company.In his complaint Mr. [redacted] states: "Please be advised the under Federal Statutes. The Fair Credit Reporting Act (15 U.S.C. 1681 et seq) and Illinois Attorney General Consumer Credit Statutes, and subtitle D of the ARRA, Sec. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES; and SEC. 13407(1) BREACH OF SECURITY. - The term "breach of security" means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. you may be held liable for the actions of (collection agency name). Please note that the these liabilities are under the penalty rules of the Omnibus Final Rule effective 09/23/2013 interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 (HITECH Act) as issued 11/30/2009." Mr. [redacted] also states that he would like "proof of services which under the HIPAA act this collection agency can not under law provide me with! Therefore under the FCRA has to be removed from my credit report." Under HIPAA medical providers may only disclose medical information if they have permissible purpose for doing so. Disclosing information as needed to obtain payment for services rendered is considered a permissible purpose under HIPAA. The Privacy Rule permits a collection agency, as a business associate, to use and disclose protected health information as necessary to obtain reimbursement for health care services. This includes certain disclosures to credit reporting agencies.Our records indicate that the collection accounts being reported on Mr. [redacted]'s credit file are being reported accurately and we do not find a valid reason for removal of those accounts. We have flagged these accounts to reflect a disputed status with credit reporting agencies.If you need any additional information or if I can be of further assistance, please contact me directly at (217) 744-4006.Sincerely,Connie M. MatrischPresident & CEO
I am rejecting this response because:I figured the Revdex.com would be able to resolve this matter, I will file with the CFPB next as well as an ID theft report with the FTC to resolve this!