United Consumers, Inc.

United Consumers, Inc
Telegraph Road, Woodbridge, VA
Main ###-###-####; Toll
Free ###-###-####; Fax ###-###-####
Revdex.com
Attn: Brenda Freeman
K Street NW
, 10th Floor
Washington, DC20005-
FAX: ###-###-#### Nov19, 2015 RE: #***
Dear *** ***,
Thank you for forwarding the follow
up information from *** *** ** ***, which we received from you on November
This account was already on hold as a result
of the prior dispute
We have followed up this situation
with our client They have now advised
us to close this account and to send a removal notice to the credit reporting
agencies. We have now closed this
account on our system and are sending the removal notification to the credit
reporting agencies
This should resolve this
matter. If there are any further
questions, please contact me at your convenience.
Sincerely, Locke S***, Vice President - UCI

United Consumers,
Inc
*** *** ***, Woodbridge, VA
Main ###-###-####; Toll
Free ###-###-####; Fax ###-###-####
Revdex.com
Attn: Brenda Freeman
K Street NW
, 10th Floor
Washington, DC20005-
FAX: ###-###-#### Aug14, 2015 RE: #***
Dear *** ***,
Thank you for forwarding these
concerns of *** ***We have investigated this information and we
appreciate these concerns. We have
checked our files for calls regarding the phone number ending in ***.
We certainly do not wish to continue
calling a phone that does not go to the correct party. We appreciate the notification that these are
wrong number calls
We believe we have identified the
relevant files with this phone number, and we have removed this phone number
from these files
If there are any further questions
or concerns, or if I can be of any further assistance, please contact me at
your convenience.
Sincerely, Locke S***, Vice President - UCI

United Consumers,
Inc
Telegraph Road, Woodbridge, VA
Main ###-###-####; Toll
Free ###-###-####; Fax ###-###-####
Aug 20,
Revdex.com
Attn: *** ***
K Street NW
, 10th Floor
Washington, DC20005-
FAX: ###-###-####
RE: #***
Dear *** ***,
Thank you for the opportunity to
respond to *** ***’s concerns. We
ceased all collection efforts after receiving your notification. We have investigated this situation with our
client. Regarding the accounts in
question, we have found that, along with the earlier insurance payments, there
were insurance adjustments to these accounts.
After factoring in these adjustments, the balance is now zero. Please note that these accounts have not been
reported to any credit reporting agency
We have closed these accounts in our
system
If there are any further questions,
please contact me at your convenience.
Sincerely, Locke S***, Vice President - UCI

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]
Complaint: ***
I am rejecting this response because: The information is incorrect and I will contact *** *** Hospital and get a copy of the receipt that this bill was paid and resubmit my complaint.
Regards,
*** ***

United Consumers, Inc
Telegraph Road, Woodbridge, VA
Main ###-###-####; Toll
Free ###-###-####; Fax ###-###-####
Aug 21,
Revdex.com
Attn: *** ***
K Street NW
, 10th Floor
Washington, DC20005-
FAX: ###-###-####
RE: #***
Dear *** ***,
Thank you for forwarding *** ***’s
additional concerns related to this situation.
We appreciate the opportunity to respond to *** ***’s concerns. We have reviewed this account and the timing
of events. The timing of the credit
reporting of this account, and the subsequent payment, is accurate based on the information
that we have. *** *** states that
the information “is incorrect”, but she does not explain what is incorrect, or
why.
She states that she will obtain a
copy of the receipt from the hospital, showing the payment. We both agree that the credit report does
accurately reflect that this account has been paid. If *** *** is able to obtain a copy of her
payment, or a copy of a hospital receipt, which shows a different date of
payment, then I suggest she provide a copy of that documentation to our
office. At that time, we will be happy
to review the timeline of this account again, if the receipt shows that the
payment was made prior to the account being reported
If there are any further questions,
please contact me at your convenience.
Sincerely, Locke S***, Vice President - UCI

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

United Consumers, Inc
*** *** ***, Woodbridge, VA
***
Main ###-###-####; Toll
Free ###-###-####; Fax ###-###-####
Revdex.com
Attn: *** ***
K Street NW
, 10th Floor
Washington, DC20005-
FAX: ###-###-#### Dec
12,
RE: #***
Dear *** ***,
Thank you for forwarding this response
from *** *** *** regarding his original complaint and our original
answer
We do want to help *** *** to
resolve this matter. Unfortunately, his
rejection of our prior response does not provide any additional information for
us to research or resolve this
We acknowledge that he has a receipt
for a payment to the hospital. That is
fine.
However, the account we have is NOT
from the hospital. It is from a different
creditor who claims a just debt from *** ***. Out of respect for his privacy, we cannot go into details of this other account in
this type of forum
We have sent a copy of this separate
bill to *** ***. This bill clearly
explains the creditor and the reason for the charges. We encourage him to review this bill and
contact us with any questions. *** *** can also call us at ###-###-####, and we will be happy to explain the
charges and work with him on some plan to resolve the bill
We have placed this account on temporary
hold to allow *** *** to review this statement and to contact us to
discuss how it can be resolvedOur
client does consider this the proper balance and is anticipating payment
If there are any further questions,
please contact me at your convenience.
Sincerely, Locke S***, Vice President - UCI

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:The requested letter has been received by mailI have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Regards,
*** ***

United Consumers,
Inc
Telegraph Road, Woodbridge, VA
Main ###-###-####; Toll
Free ###-###-####; Fax ###-###-####
Sept5,
Revdex.com
Attn: *** ***
K Street NW
, 10th Floor
Washington, DC20005-
FAX: ###-###-####
RE: #***
Dear *** ***,
Thank you for advising us of the
concerns of *** ***. Apparently
there were some misunderstandings during the conversations with our staff
members, as we tried to explain standard credit reporting policies. We have investigated her statements and offer
the following response to clarify the situation
*** *** has requested that this
account be deleted from the credit reporting agencies. However, we find no error in this being
reported, so there are no grounds for deleting it. A brief review of the account shows the
following timeline. Our client provided
services to this consumer in January of 2009.
The account was not paid and our client assigned this delinquent debt to
our agency, for collections, in October 2010.
We made efforts to contact this consumer, but they did not result in
contact or in any payment being made. We
reported this as a delinquent debt to the credit reporting agencies in December
2010. The accuracy of the information
and the timing of the report, were proper and correct. Subsequent collection efforts continued. In October of 2011, contact was made with
this consumer, and payment was made to pay this account in full. The payment was posted and our client was
notified. We then notified the credit
reporting agencies that the account was now paid in full. A payment receipt was mailed to the consumer
at that time
Credit Bureau reports are intended
to reflect an accurate credit history of the credit transactions of a
consumer. They show not only what the
payment status of an account is now, but also what it was in the past. Standard practice shows that once a
delinquent account is properly reported to a credit reporting agency, then it
stays on the consumer’s report for an industry standard time period. If it is it shown that the report was done in
error, then the report is deleted. However,
paying an account in full does not cause the account to be deleted. When the account is paid, then it is our
responsibility to update the credit reporting agencies of that payment and the
current balance. In this manner, the
credit history remains accurate as a history
In this case the information about
this account was reported accurately.
The payment was also accurately reported and the balance was
updated. There was no error in the
reporting of this information to the credit reporting agencies, therefore there
are no grounds to delete it. The credit
history should accurately reflect that this account has now been paid in full
If there are any further questions,
please contact us at your convenience.
Sincerely, Locke S***, Vice President - UCI

United Consumers,
Inc
*** *** ***, Woodbridge, VA
Main ###-###-####; Toll
Free ###-###-####; Fax ###-###-####
Revdex.com
Attn: *** ***
K Street NW
, 10th Floor
Washington, DC20005-
FAX: ###-###-#### Mar 13, 2015 RE: #***
Dear Ms***,
Thank you for forwarding these
concerns of Mr*** ***We
have put our collection efforts on hold after receiving this notice and we have
investigated the statements and the information provided. We offer the following response and
information
We are glad that Mr*** is
acknowledging this debt and expressing a wish to pay it. We are also glad that he acknowledges
receiving the bill copies that were sent to him in response to his
dispute
The services were provided by his
creditor on July 4, 2013. The account
was not paid by his insurance, and was not paid by the consumer. The creditor assigned this account for
collections, as a defaulted account, in January of 2014. The consumer spoke with a representative in
our office in February and discussed the charges. He offered to pay half the balance, if it
would be considered as full payment.
This was not acceptable. No
payment was made. The balance remained
due, and was reported to the Credit Reporting Agencies in May
The question he now raises centers
on the balance that is owedThe current balance that we are attempting to
collect, for his creditor, totals to $256.73.
This includes the $from his creditor’s list of charges, and also
a charge of $59.10. This $
represents the collection fee from our company.
This fee is the collection charge that his creditor is paying for
collection of this account. The
responsibility of the guarantor, to pay for the costs associated with the
collection of this defaulted account, is listed in the creditor’s Financial
Policy statement. This consumer was
aware of this policy and he did sign the policy document on 7/4/
The standard reason to remove an
account from a credit reporting agency is in the case of the account being
listed in error. We cannot remove this
account from the credit reporting agencies as there is no error. It is an accurate account and balance. We have updated the credit reporting agencies
of this dispute. If payment is made,
then we will further update them of the payment
Our client, his creditor, does
consider this the proper balance and is anticipating payment
Since he now acknowledges this debt,
and has expressed a desire to pay the balance, we suggest that he do so. If there are any further questions, please contact
me at your convenience
Sincerely,
Locke S***, Vice President - UCI

United Consumers,
Inc
*** *** ***, Woodbridge, VA
***
Main ###-###-####; Toll
Free ###-###-####; Fax ###-###-####
Revdex.com
Attn: *** ***
*** * *** *** *** ***
Washington, DC***
FAX: ###-###-#### Oct22, 2015 RE: #***
Dear *** ***,
Thank you for forwarding these
concerns of *** *** ** ***We have investigated this information and we
appreciate these concerns. We have
checked our files for calls regarding the phone number ending in ***
This phone number does match an
account in our database, but the demographic information of the consumer does
not match. We were trying to contact a
different consumer; this must be a wrong number
We have removed this phone number
from these files and we will make no further calls to this phone number
If there are any further questions
or concerns, or if I can be of any further assistance, please contact me at
your convenience.
Sincerely, Locke S***, Vice President - UCI

United Consumers,
Inc
Telegraph Road, Woodbridge, VA
Main ###-###-####; Toll
Free ###-###-####; Fax ###-###-####
Revdex.com
Attn: *** ***
K Street NW
, 10th Floor
Washington, DC20005-
FAX: ###-###-#### Apr17, 2015 RE: #***
Dear *** ***,
Thank you for forwarding these
concerns of *** *** ***We have investigated his statements and we
appreciate his concerns.
We certainly do not wish to continue
calling a phone that does not go to the correct party
We appreciate that *** did
provide the phone number that was being called.
We believe we have identified the relevant
files with this phone number, and we have removed this phone number from our
current files
If there are any further questions
or concerns, please contact me at your convenience.
Sincerely, Locke S***, Vice President - UCI

Good Evening,
Today I received a call from United Consumers in regard to a debt I am unaware ofI have no outstanding debts and received no mail or email communication concerning the possibility of outstanding debtsThis is why it is of concern to me that something would be sent to "collections" without any prior attempts being made to contact me if such a debt existsFurthermore, on the voicemail left no call back number, contact name, or account number was left to referenceThis immediately set off red flags to me that this was possibly a "scam"After reading the complaints here, I am certain this is the caseIt is concerning to me that the Revdex.com would not have this company rated accordingly with so many complaints and obviously fraudulent activity taking placeEvery response by the "VP" of this company seems to confirm that they are indeed calling people's personal numbers with little to no causeI have checked all possible portals for outstanding bills and am up to date on allI would appreciate if they would no longer call me and if they are they should come forth with sufficient proof as to their reason for contacting meOtherwise, I will be forced to take legal action against themThank you for your time and attention

United Consumers, Inc
"margin: 0in 0in 0pt;">[redacted] Road, Woodbridge, VA 22192Main ###-###-####; Toll Free ###-###-####
Revdex.com
Attn: [redacted]
K Street NW, 10th Floor
Washington, DC 20005-FAX: ###-###-#### Dec9, 2016 RE: #[redacted]
Dear Mr[redacted],
Thank you for forwarding these concerns of Ms[redacted], file # [redacted]We appreciate these concerns and we have investigated this information
Our client has already confirmed that the account in question was to be closed. UCI has now closed this account and will do no further collection efforts. UCI did not report this account to any credit reporting agency
In response to this situation and to the consumer's request, UCI has already written an answer to this consumer, confirming the facts that the account is closed and that it was not reported to any credit reporting agency. This letter was mailed to the consumer's address on Dec8,
Please note, we have received several [redacted]il requests from this consumer. However, our standard policy is to not communicate by [redacted]il, with consumers regarding any possible accounts. This is done as an effort to protect the consumer's privacy and reduce the risk of exposure of any confidential information related to any type of accounts. That is why the responding letter was generated and already sent through standard mail
This should resolve the matter. If there are any further questions or concerns, or if I can be of any further assistance, please contact me at your convenience.
Sincerely, Locke S[redacted], Vice President – UCI ###-###-####

United Consumers, Inc
"Times New Roman","serif"">[redacted], Woodbridge, VA Main ###-###-####; Toll Free ###-###-####
Revdex.com
Attn: [redacted]
K Street NW, 10th Floor
Washington, DC 20005- FAX: ###-###-#### May 9, RE: #[redacted]
Dear Mr[redacted],
Thank you for forwarding these concerns of Ms[redacted], which we received on April 29, File # [redacted]We appreciate these concerns and we have investigated this information
UCI is a collection agency, representing a creditor of Ms[redacted]. The creditor did assign this account to UCI to be collected as a past-due account. UCI did have contact with Ms[redacted] on April 29th and discussed the account. We disagree with her statements that there was any abuse or threats made during the call, but we are reviewing the matter with our representative to see how the conversation could have been handled differently.
We did understand the nature of her dispute. After the phone conversation, we did follow up with the creditor that same day, April 29, and the creditor advised us to close the account based on the information that was reviewed. UCI did close the file on April 29, and has made no further collection attempts since that time. Please note, UCI has not reported this account to any credit reporting agency
This should resolve the matter. If there are any further questions or concerns, or if I can be of any further assistance, please contact me at your convenience.
Sincerely, Locke S[redacted], Vice President – UCI ###-###-####

United Consumers,...

Inc.
14205 Telegraph Road, Woodbridge, VA
22192
Main ###-###-####;    Toll
Free ###-###-####;     Fax ###-###-####
 
Sept. 5, 2014
 
Revdex.com
Attn: [redacted]
1411 K Street NW
, 10th Floor
Washington, DC20005-3404
FAX: ###-###-####
 
RE: #[redacted]
 
Dear [redacted],
 
Thank you for forwarding these
concerns of [redacted].  We have
investigated the statements and the information provided. 
 
We appreciate [redacted] advising us
that the phone number ###-###-#### is not the correct phone number to reach the
party we were attempting to contact.  Now
that we have been informed that this is a wrong number, we have removed this
number from our file.  We will no longer
attempt to reach this other party at this number.
 
If there are any further questions,
please contact me at your convenience. 
 
Sincerely,  Locke S[redacted],  Vice President - UCI

United Consumers,...

Inc.
[redacted], Woodbridge, VA
[redacted]
Main ###-###-####;   Toll
Free ###-###-####;     Fax ###-###-####
Dec. 5, 2014
Revdex.com
Attn: [redacted]
1411 K Street NW
, 10th Floor
Washington, DC20005-3404
FAX: ###-###-####
RE: #[redacted]
Dear [redacted],
Thank you for forwarding these
concerns of [redacted].  We have
investigated the statements and the information provided. 
We understand [redacted]’s concerns
about calls potentially being made to a wrong number for a person with a
similar name.  However, she did not
provide the phone number that was being called, so researching the issue was
difficult.   We did call [redacted] at
the number she gave in her letter and did speak with her.  We confirmed that she is not the same person
that we have been trying to reach, and we did confirm what phone number was
being dialed.
We have removed this phone number
from our files and marked it as a wrong number. 
This should resolve the issue for [redacted].
If she or you have any further
questions, please contact me at your convenience. 
Sincerely,  Locke S[redacted],  Vice President - UCI

United Consumers,...

Inc.
[redacted] Road, Woodbridge, VA
22192
Main ###-###-####;   Toll
Free ###-###-####;     Fax ###-###-####
 
Revdex.com
Attn: [redacted]
1411 K Street NW
, 10th Floor
Washington, DC20005-3404
FAX: ###-###-####                           March 9, 2016                        RE:
#[redacted]
 
Dear Ms. [redacted],
 
Thank you for forwarding these
concerns of Ms. [redacted]. We have investigated this information and we
appreciate these concerns. 
 
We are a collection agency who
represents a medical creditor of Ms. [redacted]. 
This creditor has forwarded two accounts to us as being past due, for us
to make collection attempts.
 
Ms. [redacted] did contact us in late
February 2016 and raised concerns about the creditor having billed an incorrect
insurance company.  As a collection
agency, we do not normally contact insurance companies for consumers, as the
consumer generally has that authority and responsibility.   
 
Soon after our conversation with Ms.
[redacted], the creditor contacted us and advised us to put the accounts on hold,
as they were researching an insurance issue. 
We did put the accounts on hold and have made no further collection
attempts.  Several days later we did
receive the Revdex.com notification of this dispute.
 
We have obtained a copy of the bills
for Ms. [redacted], and we are mailing it to Ms. [redacted], for her records.  Please note that we have not reported these
accounts to any credit reporting agency. 
Currently the accounts remain on hold, pending the results of the
creditor’s rebilling of her insurance company. 
 
If there are any further questions
or concerns, or if I can be of any further assistance, please contact me at
your convenience. 
 
Sincerely,
  Locke S[redacted],  Vice President - UCI

United Consumers, Inc.
14205 Telegraph Road, Woodbridge, VA
22192
Main ###-###-####;    Toll
Free ###-###-####;     Fax ###-###-####
 
Sept. 17, 2014
 
Revdex.com
Attn: [redacted]
1411 K Street NW
, 10th Floor
Washington, DC20005-3404
FAX: ###-###-####
 
RE: #[redacted]
 
Dear [redacted],
 
Thank you for advising us of the
concerns of [redacted].  While we
acknowledge her concerns, we do dispute the allegations she is making in her
statement.   We believe that there has
been some misunderstanding of the conversation that took place.  In an effort to allay her concerns, we are
submitting a request to the credit reporting agencies to delete this
account.  We will send a confirmation
letter to [redacted] when this request has been submitted.  Please contact us if there are any further
questions.
 
Sincerely,  Locke S[redacted],  Vice President - UCI

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because:
There was no miscommunication as Locke S[redacted],  Vice President - UCI states. The manager I spoke with told me multiple times that it was illegal to remove the paid debt from my report. I explained that this was in fact not illegal and that I had gone to great lengths to ensure this was legal and she became very annoyed and irritated and demanded to know the names of the people and companies that told me it wasn't illegal so she could contact them herself. I refused. The company violated the Fair Credit Reporting Act (FCRA) which is against the law by stating that it was illegal to remove my paid debt. I am not denying that the account is mine nor am I denying that it is a valid (paid) debt. I am referring solely to the conversation I had with the manager of United Consumers, in which she violated the law. A manager should be well versed on the law, specifically the Fair Credit Reporting Act (FCRA) and violating the law, which is illegal, is not a "miscommunication". That is an unacceptable response. 
 
Regards,
[redacted]