Rogers Radiator - Woburn

Dear [redacted] This consumer was sent to us as a financial gaurantor for his granddaughter for medical services renderedWe are in the process of investigating this further with our client to get copies of what was signed at the time services were renderedHowever, in the intereim, due to the extenuating circumstances, IRR has submitted requests for both accounts to be removed from this consumers' credit file Unfortunately, IRR has no control nor knowledge as to the time frame and policy of the bureaus udpating their data filesI have submitted an immediate request again today to have both these accounts removed I will also be mailing the consumer a letter for his records(see attachment)If either you or the consumer have any additional questions/or concerns please email me as that is the best form of communication for me.Sincerely,Anita M [redacted] Dirof OperationsP: ###-###-####E: [redacted]

Dear [redacted] ,IRR has provided this consumer with proof that the healthcare provider followed it's billing procedures regarding obtaining and VERIFYING insurance coverage According to our clients' records, [redacted] gave invalid insurance at the time services were rendered I have attached a copy of the following documents we provided the consumer for your records Copy of the insurance information the consumer gave which was terminated at time servcies rendered Copy of the clients' insurance verification determining coverage was terminated at the time services were rendered.The reason no claim was ever received by the carrier was due to the REJECTION the provider received from the clearing house when they attempted to verify/bill the consumers' insurance (see docattached) The Insurance was verified prior to filing the claimThe consumer only gave the CORRECT insurance AFTER it was too late for the provider to file a "timely claim" The consumer has been made aware of this by all parties involved At this juncture, the provider is NOT obligated nor will they bill insurance of which they will receive a denial for timely filingUnless the consumer has any NEW or DIFFERENT documents that show he is NOT responsbile for this balance the account will remain in collectionsSincerely, [redacted] ***

IRR Has conducted a full investigation into this consumers' complaint As such, services were rendered to this consumer in of which payment was due in full at the time services were rendered He was billed by the original creditor/provider of which he never paid He became delinquent and ultimately was referred to IRR for collection efforts in Oct He finally paid the client on after the account was placed with our office IRR was not notified of this payment until and emails to consumer on email that his payment date was incorrect He submitted a copy of his ledger showing the original payment date of I informed him in the requesting verification/validation of this debt and for no further contact The consumer already has verification/validation as he sent IRR a copy of HIS bill However, we are in the process of providing it to him AGAIN I trust this will close out this consumers' complaint However if either you or the consumer need any additional information please do not hesitate to contact me directly.Sincerely,Anita M [redacted] Dirof OperationsP: ###-###-####E: [redacted]

Dear [redacted] IRR has a signed payment receipt on file at the time services were renderedPlease have the consumer send a signed letter for us to compare signatures.We will reopen the consumers' dispute for further investigation.Sincerely,Anita MM [redacted] Dirof Operations [redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
I will not sign anything for them I have submitted the copy of the court papers of who is the person they are taking to court in regards to this debtNow that is all they need if their law firm has determined who the debt belongs to then I don't see any reason why the need to keep reporting on my creditI have done everything to prove that this is not my debt and I have never been served with any court papers about this debt and if this continuesI will have contact the FTC because this is violation of FDCPA which is enforced by the FTC
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
Well their law firm is not the one's reporting a debt to the credit bureau's, the one's who are is Independent Recovery Resources INC the law firm *** *** * ***, P.C have reported back to the Revdex.com about this debt and they know that it does not belong to me and belongs to my father *** *** **, and who was served with court papers in regards to this issueI have attached the court papers that say very clearly the name of my father not my nameI want this debt off my credit report ASAP
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
*** ***

Dear [redacted]This consumer was sent to us as a financial gaurantor for his granddaughter for medical services rendered. We are in the process of investigating this further with our client to get copies of what was signed at the time services were rendered. However, in the intereim, due to the...

extenuating circumstances, IRR has submitted requests for both accounts to be removed from this consumers' credit file.  Unfortunately, IRR has no control nor knowledge as to the time frame and policy of the bureaus udpating their data files. I have submitted an immediate request again today to have both these accounts removed.  I will also be mailing the consumer a letter for his records. (see attachment)If either you or the consumer have any additional questions/or concerns please email me as that is the best form of communication for me.Sincerely,Anita M[redacted]Dir. of OperationsP: ###-###-####E: [redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

No claims were ever filed. No insurance company has any record of a claim and IRR has refused to provide any and has been ignoring my requests. Proof of coverage was already sent to them several times. IRR is ignoring that proof of coverage. IRR is misrepresenting facts in order to collect money. 
Sincerely,
[redacted]

Dear [redacted]IRR has a signed payment receipt on file at the time services were rendered. Please have the consumer send a signed letter for us to compare signatures.We will reopen the consumers' dispute for further investigation.Sincerely,Anita M. M[redacted]Dir. of Operations[redacted]

Dear [redacted],IRR has provided this consumer with proof that the healthcare provider followed it's billing procedures regarding obtaining and VERIFYING insurance coverage.  According to our clients' records, [redacted] gave invalid insurance at the time services were rendered.  I have attached a copy of the following documents we provided the consumer for your records. 1.  Copy of the insurance information the consumer gave which was terminated at time servcies rendered2.  Copy of the clients' insurance verification determining coverage was terminated at the time services were rendered.The reason no claim was ever received by the carrier was due to the REJECTION the provider received from the clearing house when they attempted to verify/bill the consumers' insurance.  (see doc. attached) The Insurance was verified prior to filing the claim. The consumer only gave the CORRECT insurance AFTER it was too late for the provider to file a "timely claim".  The consumer has been made aware of this by all parties involved.  At this juncture, the provider is NOT obligated nor will they bill insurance of which they will receive a denial for timely filing. Unless the consumer has any NEW or DIFFERENT documents that show he is NOT responsbile for this balance the account will remain in collections. Sincerely,[redacted]
[redacted]
[redacted]
[redacted]

Dear [redacted],This consumer's account has been sent to our attorneys for failure to pay an oustanding balance with our client, [redacted] Animal Hospital.    According to our records, the consumer disputed this debt in 2014 of which we sent validation to him on April **...

2014. At this pint the matter is out of our hands, as he is in the process of being served. We did inform the consumer on more than one occassion to contact the attorneys directly, as the matter is out of our hands. We strongly suggest the consumer contact the attorneys handling this case. They are: [redacted] located at [redacted]. Their phone# is ###-###-####. The consumer should refer to IRR account# [redacted] when calling. Sincerely,Anita M[redacted]Dir. Of Operations.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

[Your Answer Here]
Dear [redacted],
IRR/OCLI sends, again, (1) a copy of a card known to be valid for care provided during PREVIOUS year, (2) is a screenshot of the same card taken from a different place and (3) a screenshot of a website agreeing with (1). 
I can only speculate why IRR/OCLI goes to a great extent to provide the same DISTRACTIONS that are completely IRRELEVANT to this complaint. 
Their response also contradicts their justifications for this collection effort given in previous replies, it also contradicts insurance records. Now IRR states on behalf of OCLI that they did not, and they “will not bill insurance”, no matter what. 
Doesn’t matter the fact that customer received care from an in-network facility with an insurance in full effect and rendered full co-payment at the time of visit. Still, they will not bill the insurance provider.
Doesn’t matter if IRR/OCLI never tried to bill an insurance company for services rendered on a fully covered patient. Still, they will not bill the insurance provider.
Doesn’t matter if OCLI is an in-network provider and has contractually agreed to take the insurance fees for their services. Still, they will not bill the insurance provider.
Doesn’t matter if a benefits specialist from the insurance company has been calling IRR/OCLI looking for more information to issue a payment, and has been directed to call IRR or OCLI back and forth for weeks. Still, they will not bill the insurance provider.
Refusal to bill an insurance provider when care is fully covered, and no attempts were made to bill any insurance provider, is simply not acceptable. 
Starting and maintaining a collection procedure against me based on a third party (the insurance provider) is laughable and shows the current state of our credit enforcement and collection businesses. 
As stated several times before: this debt is not mine. As regulations between health insurance providers and medical facilities mandate, claims have to be submitted for payment before any payment can be “denied” or issued. Claims cannot be submitted verbally. Patients cannot submit claims on behalf of health providers. This matter should be resolved between the insurance company and the health provider. 
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]

Dear [redacted],IRR received a letter from the consumer on 11/**/13requesting validation and disputing the charges.  He stated he had insurance at the time.  The address the consumer provided IRR was invalid. IRR attempted to mail the consumer a copy of his bill and mail was returned...

as undeliverable. The consumer also informed us not to contact him, soIRR couldn’t speak with him or contact him via mail to attempt to resolve thematter any further.  According to the billing efforts of our client, the consumers' insurance ([redacted]) was billed and denied for his policy being terminated during his treatment time.  IRR updated his account as disputed. IRR noted the account with his correspondence and request for no further contact.  IRR obliged the consumer accordingly.If the consumer wishes to further discuss the matter he can certainly contact our collection department toll free at ###-###-####, Mon-Thurs. 8:30-7:00pm and Fridays 8:30-5:00pm.Sincerely[redacted]P: ###-###-####E: [redacted]

IRR Has conducted a full investigation into this consumers' complaint.  As such, services were rendered to this consumer in 2011 of which payment was due in full at the time services were rendered.  He was billed by the original creditor/provider of which he never paid.  He...

became delinquent and ultimately was referred to IRR for collection efforts in Oct 2013.  He finally paid the client on 1/**/14 after the account was placed with our office.  IRR was not notified of this payment until 2/*/15.  The consumer never contacted IRR from Oct 2013 until Feb * 2015. At that time he informed us of the payment, of which IRR verified and updated its records.  The consumer has since disputed this account on 6 different occasions all off of which IRR responded accordingly.  Every communication with this consumer was answered, including his email to me requesting this to be deleted as a courtesy. (see attached fax recieved 9/**/15 and emails to consumer on 10/*/5) The consumer brought to my attention in the 10/*/15 email that his payment date was incorrect.  He submitted a copy of his ledger showing the original payment date of 1/**/14. I informed him in the 10/*/15 email (see attached) I would correct immediately, of which I did. IRR also received a certified letter from the consumer on 10/*/15 requesting verification/validation of this debt and for no further contact.  The consumer already has verification/validation as he sent IRR a copy of HIS bill.  However, we are in the process of providing it to him AGAIN.  I trust this will close out this consumers' complaint.  However if either you or the consumer need any additional information please do not hesitate to contact me directly.Sincerely,Anita M[redacted]Dir. of OperationsP: ###-###-####E: [redacted]

Dear [redacted],This account was paid in full on Jan **,  2015. As such, IRR reported the account in it's monthly file on Feb * 2015.  Additionally, we sent the consumer a paid notice for his records.Unfortunately, IRR has no control nor knowledge over the time frame in which the bureaus...

update their data.  I would suggest that the consumer contact the bureaus directly to inquire on when the data will be updated. If I can be of further assistance to either you or the consumer please contact me directly.Sincerely, [redacted]P: ###-###-####E: [redacted]F: ###-###-####