Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:04/28/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The basis for my dispute COMMONWEALTH FINANCE, ********* *******, Client Relations,COMNWLTH FIN,************,$603 - was required to notify me prior to 01/16/2023, or no later than 30 days after. COMNWLTH FINfailed to notify me about reporting derogatory info. to *******, ********, and ********** In section 603(p) 15 U.S.C. ss 168s-2(a)(7)(A)(I); “The notice required under subparagraph (A) shall be provided to the customer prior to, or no later than 30 days after 01/16/2023, furnishing the negative derogatory information to a consumer reporting agency described in section 603 (p),’ 15 U.S.C. ss 1681s-2(a)(7)(B)(I). Plus broke commercial law under UCC § 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. Also, COMNWLTH FIN" failed to give me my "Mini-Miranda" five days prior to placing this derogatory item on all of my credit reports, per Section 807(11) & FDCPA §809, which is $1000 per violation and the state of TX allows treble damages. Under § 809. Validations of date and Mini-Mirandi under Section 807(1)COMMONWEALTH FINANCE, ********* *******, Client Relations failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to $2500 and can be enforced by the FTC, and that my state attorney general can also enforce this with a $1000 penalty as well. I attached a copy of the law and the actual document from the federal reserve COMNWLTH FINis held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. ***** v. ***** 980 S.W.2d693(Tex.App-San Antonio 1989 reh.den.) citing ****** v. ***** 936 S.W.2d 654(Tex.AppDallas 1996 writ dism'd w.o.j.)

  Business Response

  Date: 05/12/2023

  Re.CFSI Acct # *********
  

  Dear *******,
  
  In response to  Complaint ID  ********, submitted by your office on behalf of   ***************************,please note the following:
  
  The account in question wasnt assigned to our agency for collections until January 16, 2023, and therefore, have no knowledge of the debt, we could not notify consumer prior to 01/16/2023. In compliance with Regulation F of the CFPB’s Debt Collection Rule, prior to credit reporting the account, our office sent consumer notification of the debt on 02/03/2023 in an electronic communication.  We then waited fourteen (14) days, the reasonable period of time  as defined by the CFPB,  to allow for notice of a deliverability issue.  No undeliverable notice was received, and after 14 days the account was sent to be credit reported.
  
  On 04/25/2023,  CFSI received a notice from the credit bureau(s) the consumer was disputing the debt under the claim the information on account is inaccurate.  In response to the dispute, we conducted our reasonable investigation. After confirming that the information in CFSI’s records matched the information being reported to the credit bureaus, we verified the debt to the credit bureaus.  As part of our dispute handling process, we reached out to our client and was provided verification of the debt. A copy of the supporting document was forwarded to consumer on May 04, 2023.
  
  A file review determined Commonwealth Financial Systems, Inc acted, in all instances, in compliance with Federal and State law. The account has been marked as disputed and will continue to be noted as such. We hope our response has addressed the issues and concerns as set forth in the complaint and provided assistance to consumer.
  

  Sincerely, 
  *********************************,
  Legal/Compliance Dept.
  
  ** This is a communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.  

• Initial Complaint

  Date:04/10/2023

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Receiving harassing phone calls all last fall and winter. Spoke with representative on the phone. They requested to speak with someone who was not me and I confirmed they had the wrong name and phone number. I was told they would remove me from the list. They have started to call me again on 4/10, 4/4, and 3/21. I have no idea why I am receiving calls.

  Business Response

  Date: 05/05/2023

  CFSI Acct # *********

  Dear *******,

  Commonwealth Financial Systems, Inc. (CFSI) acknowledges receipt of Complaint ********  submitted on behalf of ***** ******* and thanks you for the opportunity to respond. We hope the following information addresses the issues and concerns set forth in the complaint.  
  
  On 10/11/2022, an unresolved medical debt was placed with our office for collection in complainant’s name. In compliance with Regulation F of the CFPB’s Debt Collection Rule, we sent **. ******* notification of this debt prior to credit reporting. The notice was sent on December 21, 2022, and was not returned as undeliverable. The first communication received on the account was a message, submitted by consumer on February 07, 2023, through the contact form on our website. In his communication, consumer requested the name and address of the original creditor of the account in collection, and validation of the debt. The consumer also provided the phone number **********. At no place in the message did consumer state to remove the phone number from further calls, and our files found no record of telephonic contact with consumer, as referenced in the complaint. Furthermore, the call logs deny a call pattern harassing in nature and instead, support a call pattern compliant with the CFPB’s Regulation F of the *** call rule as presented in Section ***********. To honor consumer’s statement he would like no further attempt at contact, we have placed the consumer’s phone number, physical and email address, in a ‘Do Not Contact’ status. Our records indicate we obtained validation of the debt as requested by consumer, and  a copy of the supporting document was forwarded to consumer on February 14, 2023.
  
  Should consumer have any questions regarding the account in our office, our company can be reached at our toll free number:  1-800-848-2170.
  
  Sincerely,

  *********************************,
  Legal/Compliance Dept.

  ** This is a communication from a debt collector.  This is an attempt to collect a debt and any information obtained will be used for that purpose.  

• Initial Complaint

  Date:04/09/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I filed a complaint thru ******** ****** ***** they are saying that's I can't dispute even though I have proof of wrongful information they refuse to remove the incorrect information account was in 2020 not 2021

  Business Response

  Date: 04/27/2023

  Re. CFSI Acct # *********

  Dear *******, 

  In response to Complaint ********, submitted by your company on behalf of *********************************, please be advised of the following. 

  The account in question is the result of a contract  that originated with Uown Leasing in the year 2020, as ******************** stated; the date the contract was entered into is  10/05/2020, to be exact. The date of first delinquency is recorded as 12/26/2020. Both the date of service and the delinquency date are provided to the credit reporting agencies and these dates do not change for any account.

  A review of the file found no record of direct contact between our office and complainant. ************************ claim that she was advised she can't dispute the debt is found to be unsubstantiated. Our records indicate the account was disputed through one of the three (3) major credit reporting agencies. Immediately following notice of the dispute, the status of the account was updated to a dispute status. Our internal investigation found the information being credit reported to be accurate. The communication ******************* received through ****** ***** appears to be linked to **********. Please note, the credit reporting agencies are separate entities, of which Commonwealth Financial Systems Inc has no control over. We suggest ******************** contact ********** with respect to the communication in her attachment.

  We will continue to note the account as disputed.  Should consumer have any further questions, or need additional information,  our company can be  reached at the toll free number **************.

  Sincerely,

  *********************************,
  Legal/Compliance Dept.

  ** This is a communication from a debt collector.  This is an attempt to collect a debt and any information obtained will be used for that purpose. 

  Customer Answer

  Date: 04/28/2023

  [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.]
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 
  
  Regards,
  
  *********************************
  

• Initial Complaint

  Date:04/04/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with Commonwealth Financial Systems and do not have a contract with them. They did not provide me with the original application like I asked.

  Business Response

  Date: 04/20/2023

  Re. CFSI Acct # *********
  
  Dear *******,

  Commonwealth Financial Systems, Inc. (CFSI) acknowledges receipt of Complaint ******** submitted by your office on behalf of ******* ******** and we hope the following information is found sufficient in addresses the issues and concerns set forth in the complaint.
  
  Please be advised , Commonwealth Financial Systems, Inc. is a third-party collection agency and as such, we do not have contracts directly with consumers. We service accounts on behalf of our clients with whom we share a contract and who has purchased the account from the original creditor. The original creditor has a right to sell/charge-off accounts after they become seriously past due. While the consumer did not create the debt with the collection agency, the original creditor has sold/charged off the original debt to our client who then assigned it to our office for collection. This is what gives the collection agency the ability to collect for an outstanding debt.
  
  The subject debt is a medical debt  that originated with ******** ********* ******** for services provided to minor child, A.M. on 04/23/2018. No supporting documentation accompanied the complaint evidencing consumer is not responsible for the debt. Should ***  ********  have documentation or information relevant to supporting the basis of her dispute position, we encourage her to provide such evidence to allow us to more fully investigate the matter with our client.  This information can be mailed to: Commonwealth Financial Systems, Inc., 245 Main Street, Dickson City, PA 18519, or-  emailed to: [email protected]. To prevent any delays, the CFSI Acct # should be documented on all correspondence.
  
  Sincerely,
  
  *********************************
  
  Legal/Compliance Dept.
  
  **This is a communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.   
  

• Initial Complaint

  Date:04/04/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Please be advised that I dispute the validity of the alleged debt in its entirety and refuse to pay it. I believe you violated the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692, et seq. I recently received information from you attempting to collect the above-listed alleged debt I request verification of the alleged debt, specifically including and limited to (a) the name and address of the original creditor, (b) a copy of a signed contract between myself and the alleged original creditor, and (c) a copy of your purported legal authority to collect on the alleged debt. You are attempting to collect an alleged debt that I do not owe in clear violation of the FDCPA. As a fair resolution to my claims, I demand that you (i) cease and desist all collection, including credit reporting, and (ii) promptly request deletion of all reporting to credit reporting agencies. Your compliance with this demand within 14 days shall moot my debt verification request above. This demand letter also serves as a complaint the ******** ********* ********** ****** (“****”). The **** is authorized to investigate this matter and receive any related information.

  Business Response

  Date: 04/19/2023

  Re. CFSI Acct # *********
  
  Dear *******,
  
  This response is in relation to Complaint ID ********  submitted on behalf of  ************************  We at Commonwealth Financial Systems Inc. (‘CFSI’) take our consumer protection obligations very seriously and have dedicated significant resources to our compliance-related functions.   Please be advised, Commonwealth Financial Systems, Inc. (CFSI) is a third-party collection agency and as such, we do not have contracts directly with consumers. We service accounts on behalf of our clients with whom we share a contract. The account at issue is the result of emergency physicians’ services provided on 12/22/2016 by I******* * ***********, who is the original creditor.  ******** * *********** later sold/charged off the original debt to our client, after it had become delinquent. Our client, the current creditor, acquired all ownership rights upon purchase, including the rights to collect on the account. While the consumer did not create the debt with Commonwealth Financial Systems Inc., the current creditor has placed the accounts with our office for collections. This is what gives our agency the ability to collect for an outstanding debt. 
  
  Our records indicate the account was placed with our office on 06/28/2022. Prior to credit reporting the account, our office sent *** ****** notification of the debt in an electronic communication on August 1, 2202.  \We then waited fourteen (14) days,  the reasonable period of time  as defined by the ****,  to allow for receipt  and notice of a deliverability issue.  No undeliverable notice was returned and, after fourteen (14) days, the account was sent to be credit reported.
  
   A review of the file found no violations of the Fair Debt Collection Practices Act (FDCPA). In said complaint, *** ****** is requesting verification of the debt while at the same time telling our agency to cease and desist all collection. Although no violation was found on the part of our company, we have honored consumer's cease request on the account in question and closed it in our office. The account will be returned to our client. As standard procedure we submitted a request for credit report deletion of our tradelines upon closing the account. Please note that it may take time for the credit reporting agencies to process our request and update consumer's file.

  Sincerely,

  *********************************,
  Legal/Compliance Dept

  ** This is a communication from a debt collector.  

• Initial Complaint

  Date:03/20/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with ********* ******* and do not have a contract with Commonwealth Financial. They did not provide me with the original application like I asked.

  Business Response

  Date: 04/06/2023

  Re. CFSI Acct # *********

  Dear *******, 

  In response to Complaint ******** submitted by your office on behalf of *****************************, please be advised Commonwealth Financial Systems, Inc. (CFSI) is a third-party collection agency and as such, we do not have contracts directly with consumers. We service accounts on behalf of our clients with whom we share a contract. The account is the result of medical services rendered to consumer on 05/13/2019 by ********* ******* **** ****.   ********* ******* ******** later sold/charged off the account to our client, after it had become delinquent. Our client, the current creditor, acquired all ownership rights upon purchase,, including the rights to collect on the account. While the consumer did not create the debt with Commonwealth Financial Systems  Inc., the current creditor has placed the accounts with our office for collections. This is what gives our agency the ability to collect for an outstanding debt. 

  Should **************** have  documentation or supporting information evidencing she is not responsible for the debt, we encourage her to mail the information to our office at Commonwealth Financial Systems, Inc., 245 Main Street, Dickson City, PA 18519, or -  submit it via email  to [email protected]. To prevent any delays, the CFSI Acct # should be documented on all correspondence.  

  We have marked the account to reflect consumer's position with regard to the account. Should consumer have any questions with  regard to the account, our company can be  reached at toll free number:  **************.

  Sincerely, 

  *********************************

   Legal/Compliance Dept

  ** This is a communication from a debt collector.  This is an attempt to collect a debt and any information obtained will be used for that purpose. 

• Initial Complaint

  Date:03/20/2023

  Type:Billing Issues
  Status:

  UnansweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I called to settle a debt. The debt was settled 3/6/2023. I paid $300 to settle and was told I would receive a letter of verification. Now my credit report says I owe a balance. In my state Im allowed to record phone calls and I have everything recorded.

• Initial Complaint

  Date:03/13/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Commonwealth Financial Systems, Inc. and CFSI are operating with an invalid charter in the State of Pennsylvania and THE STATE OF PENNSYLVANIA. CEO **** ****** is exposed via 100% personal liability due to this along with the rest of his executive staff. CFSI purchases already discharged debt for pennies on the dollar from other incorporated corporations - that are also operating w/ invalid charters - and creates "ACCOUNTS" under CFSI. **** ****** then names these "CFSI ACCOUNTS" using the "FIRST" and "LAST" names of the people he is attempting to collect discharged debt from. This is fraud via semantic deceit. These are illegal offers to contract & contracts have terms and conditions - - even undisclosed contracts. Terms need to be honored and if not **** ****** can be noticed and CFSI can be lien'd. Operating international commerce with an invalid charter is illegal and unlawful. Illegal practices pierce the corporate veil and the State of Pennsylvania and BBB should have their feet held to the fire for not protecting Americans from these privateers and pirates. CFSI "verifies" people using stolen private information like "date of birth" and "social security" information that is attached to the "Legal Person" of their victims while conducting interstate wire and mail fraud to operate their scheme. The "money/debt" that CFSI collects is further evidence of crimes having already been committed with the purchase of private American information that the "State" and BBB is obligated to protect. CFSI then promotes false claims against "ACCOUNTS" they create after purposefully naming these "ACCOUNTS" after the victims of their crimes - - better known as personage, peonage, and barratry. CFSI should be liquidated. I am doing my duty as a member of the General Public and reporting these crimes to BBB.

  Business Response

  Date: 03/30/2023

  Re. Complaint ********

  Dear *******, 

  We would like to take this opportunity to resolve the complaint, however, we are unable to verify a record of association with the information provided. We will need verifiable information, such as the last 4 digits of the individual's social security number, or date of birth, in order to isolate a file and address the issues and concerns put forward in the complaint. 

  If preferable, complainant can contact our agency through our toll free number ************** and go through the verification process with an agent for a record to be identified.

  Sincerely,

  *********************************,
  Legal/Compliance Dept.

  ** This is a communication from a debt collector. 

• Initial Complaint

  Date:03/13/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  ACCOUNT: ************ ACCOUNT: ************ I have no prior knowledge of these 2 accounts. Commonwealth Financial has an obligation to contact me before putting this on my credit report. I would've disputed these accounts via certified mail. I'm sure Commonwealth Financial is licensed in the state of Illinois and send out notices via certified mail. I have a right to dispute accounts before they hit my credit. REMOVE ALL ACCOUNTS FROM ALL 3 CREDIT BUREAUS IMMEDIATELY.

  Business Response

  Date: 03/30/2023

  Re.    Complaint ID  ********
  

  Dear *******,

  This response is in relation to the above referenced Complaint  submitted by your office on behalf of  ****************************  We at Commonwealth Financial Systems Inc. (CFSI) take our consumer protection obligations very seriously and have dedicated significant resources to our compliance-related function and we hope the following information addresses the issues and concerns set forth in the complaint.

  The file was reviewed fully in conjunction with the consumers complaint and our records indicate that, prior to credit reporting, our office sent ****************** notification of the debt as required by Regulation F of the  Fair Debt Collection Practice. We then monitored the account for fourteen (14 ) days, the reasonable period of time as defined by the CFPB ) to permit receipt of the notice and monitor for notifications of undeliverability. This letter provided the name of the original creditor, current creditor, amount of debt, and all other disclosures as required by Federal and applicable State law. The letter also provided notice the consumer can dispute the debt. When the letter was not returned as undeliverable after fourteen (14) days, the account was sent to be credit reported.
  
  We acknowledge receipt of **. ******** letter, sent certified, disputing the debt. Upon receipt of the letter , we notated the account to reflect consumers dispute position and began our reasonable investigation of the disputed information. In accordance with the Fair Credit Reporting Act, our office  submitted a request to the three (3) major credit reporting agencies to update the tradeline for this account to disputed.

  I hope my response has addressed the issues and concerns as set forth in the complaint. Our file review determined Commonwealth Financial Systems Inc acted in full compliance with  Federal and state law.  We will continue to note the account as disputed. We can be reached at ************** (toll free) should ****************** have any  questions with regard to the debt.

  Thank you,

  *********************************
   Legal/Compliance Dept.

  **This is a communication from a debt collector.  This is an attempt to collect a debt and any information obtained will be used for that purpose.   

  Customer Answer

  Date: 03/30/2023

  [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 as Answered]
  
   Complaint: ********
  
  I am rejecting this response because: I requested the original purchase agreement (which you don't have) and all documents you received from the original creditor. WHAT DATE DID YOU SEND LETTER TO ME? As a collection agency, you have a duty to verify all documents that you have received while buying Debts in bundles. You have failed. You are the 3rd collection agency that has put this on my credit. All three of you have now failed to provide date of contact and are not able to truly verify this debt. This is common practice!  What date did you send a letter to me??????? I notice you failed to put a date. Stop wasting my time and energy and REMOVE THIS FROM ALL THREE CREDIT BUREAUS IMMEDIATELY! I don't want to spend time dragging you to court only for you to show up with billing statements that would not hold up in court or better yet, for you not to show up and just accept the fine and fees!
  
  Regards,
  
  ***************************
  

• Initial Complaint

  Date:03/13/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  It has come to my attention that even though the **** has put a new law/rule into place regarding the reporting of alleged medical debt $500 or below you are violating my consumer rights.

  Business Response

  Date: 03/30/2023

  jRe. Complaint ID  ********

  Dear ***************

  Commonwealth Financial Systems, Inc. (CFSI) acknowledges receipt of the above referenced complaint submitted by your office on behalf of ***** ******. In response to *** ******'s concerns raised in the complaint, please be advised, we are unaware of any law put out by the CFPB , or  governing agency, that prohibits credit reporting of  medical debt  $500 or less. However we understand that it is the decision of major credit-reporting firms  ********, **********, and ******* to  no longer include medical debt $500 and under in credit reporting and the change is expected to take place sometime mid-year. 
  
  We thank you for this opportunity to respond though the credit reporting agencies may be able to provide *** ****** with further information and details with regard to the new practice.

  Sincerely

  *********************************, Legal/Compliance Dept.

  **This is a communication from a debt collector.  This is an attempt to collect a debt and any information obtained will be used for that purpose.   

  Customer Answer

  Date: 03/30/2023

  [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 as Answered]
  
   Complaint: ********
  
  I am rejecting this response because: Per your response, In response to ******************** concerns raised in the complaint, please be advised, we are unaware of any law put out by the **** , or  governing agency, that prohibits credit reporting of  medical debt  $500 or less. However we understand that it is the decision of major credit-reporting firms  ********, **********, and ******* to  no longer include medical debt $500 and under in credit reporting and the change is expected to take place sometime mid-year. Here is the news article since you are not update with the new rules when it come to medical debt of $500 and under not longer reporting to consumers credit report. *************************. Delete this account from my credit report since you are in violation for reporting this information this should have been deleted on the first day of 2023 but it is still reporting on my consumer report.
  
  Regards,
  
  ***********************
  

  Business Response

  Date: 04/14/2023

  Dear *******,

  We regret to hear **************** found our company response to be unsatisfactory.  Here at Commonwealth Financial Systems, Inc, we strive to assist consumers in resolving issues and addressing concerns. In her rejection, **************** failed to provide sufficient evidence of a law. We consider this matter addressed and again, suggest **************** contact one of the three (3) credit reporting firms whose decision it was to no longer credit report medical debt $500 and under, for information and details with regard to their new practice.

  Thank you, 

  ******************************;

  Legal Compliance Dept

  **This is a communication from a debt collector.  

  Customer Answer

  Date: 04/17/2023

  [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 as Answered]
  
   Complaint: ********
  
  I am rejecting this response because: I send you the **** article and you still act like you cant read when the letter state the article from the ****. Here is the sentence from that article. "On March 18, 2022, the national credit reporting companies voluntarily announced that they would no longer report certain additional medical collections (Medical Collections Reporting Change). Specifically, the companies announced that starting on July 1, 2022, the time before unpaid medical collections can appear on a consumers report will be increased from 180 days to one year, and paid medical collections will no longer appear on consumer reports at all. They also announced that beginning some time in 2023, medical collections with balances below a threshold of at least $500 will no longer appear on consumer credit reports.2 These changes have the potential to reduce the amount of medical debt reported on consumer credit reports and to benefit some consumers." But I will take my concerns on the credit reporting agencies since this company that is reporting this inaccurate information do not have a clue what's going on.
  
  Regards,
  
  ***********************
  

  Business Response

  Date: 04/20/2023

  Re.CFSI Acct *********

  We regret to hear **************** found our company response to be unsatisfactory.  Here at Commonwealth Financial Systems, Inc, we strive to assist consumers in resolving issues and addressing concerns.  **************** raised the concern her consumer rights were being violated under the new law/rule  put  into place by the **** regarding the reporting of alleged medical debt $500 or below.  In our initial response we advised that our company is  unaware of a new law/rule put out by the ****  with respect to the credit reporting of  medical debt  $500 or under, and that we understand this to be the decision of major credit-reporting firms  ********, **********, and ******* to no longer include medical debt   $500 and under in credit reporting. We suggested that one of the three (3) credit reporting firms, whose decision it was, may offer **************** more information with regard to their new practice. Please note, should the above referenced account still be ********************** reporting, it is in the sole discretion of  consumer reporting agencies, ********, **********, and *******, to remove the above account from the consumer's credit profile. Commonwealth Financial Systems  does not control any consumer reporting agency and makes no representation as to how long it may take the CRA's to remove accounts that fall under their decision. 

  We have marked the account to reflect consumer's position with regard to the debt. 

  Sincerely, 

  *********************************,
  Legal/Compliance Dept.
  ** This is a communication from a debt collector.  This is an attempt to collect a debt and any information obtained will be used for that purpose.