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:02/03/2023

  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.

  Dear BBB I have a complaint.commonwealth finace has been repeatedly hitting my credit accout number " ************ "They state I owe a **** of $56 dollars. I have never done bussiness with them I do not know who they are or what the debt it. I have sent out letters to them asking for all of the information I have never gotten a responce. I pay all my bills as soon as I can. I do not know what this is. I am on ******** due to my disabilities. I have no credit cards. I do not own a car. they just keep reupping this my credit had dropped drastically in the past year an may not recover from this attack. Will you please resolve this issue. I do not know how to get supporting documents all it is is on my credit report.

  Business Response

  Date: 02/16/2023

  Re. CFSI Acct # *********

  Dear *******, 

  
  Commonwealth Financial Systems, **** (CFSI)acknowledges receipt of  Complaint  submitted on behalf of ***********************, and thanks you for the opportunity to respond.

  Please be advised, this account was recalled on 06/18/2022 and is no longer being serviced by Commonwealth Financial Systems, **** At the time of closing, a deletion request was sent the 3 major credit reporting agencies: *********** ******* *** ********, for removal of all tradelines on the referenced account and it should not be appearing on any of these credit reports of the consumer. If the account is continuing to show on any one of these Credit ****************** reports, the most efficient method at this point is for the consumer to directly dispute with the Agency that continues to carry the tradeline.

  Should the consumer or credit reporting agency feel we can be of further assistance in the matter, we can be reached at **************. 

  Sincerely, 

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

  
  ** This is a communication from a debt collector.  

   

   

• Initial Complaint

  Date:02/01/2023

  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 Account number: ********* ***** account: ************ I recently found that Commonwealth Financial Systems had filed a collections against me on the behalf ***** are either purchased an account pertaining to me from ***** and preceded with malice without fore thought of the account that is originally over 4 yrs. old do to the failure of ***** to effectively and correctly file the insurance and or to get in contact with me when they found a problem. Further more Commonwealth did not take the time nor have they did the research to fine out what was the problem and why was it now being that this account after 4 yrs. was just now being turned over to them. If they would have taken the time they would have found out if not from ***** then me that the procedure for this account was 100% payment approved and that ***** was at fault for there misfiling and or not getting in contact with me if there was a problem or anymore information needed. I have already filed a complaint against ***** for there short comings in this matter and like for Commonwealth be removed from my credit report effective immediately.

  Business Response

  Date: 02/16/2023

  *** **** **** * *********
  
   
  
  **** ********
  
   
  
  Commonwealth Financial Systems, **** (CFSI)acknowledges receipt of  Complaint ******* submitted on behalf of *************************; and thanks you for the opportunity to respond. 

   

  Please be advised, Commonwealth Financial Systems, **** is a third-party collection agency that collects on behalf of our clients.  Our client purchased the original debt from the original creditor of the account, ***** ******, after it became seriously past due and placed it with our office for collection.  The account had closed in our office on 2/10/2023, however,  in an effort to assist consumer with resolving the debt, should ********************** provide  the applicable insurance information, we will forward it to our client for review. If eligible, they will seek attempt  to resolve the debt with the insurance company. Please note, our client will need the following : Insurance name, address, phone # , member ID#, effective date (if known)  . This information can be mailed to our office at:Commonwealth Financial Systems, ****, ************************************************************,- or emailed to:  ***************************************. To prevent any delays, the **** Acct # should be documented on all correspondence.

  Sincerely, 

  *********************************,
  Legal/Compliance Dept.
  ** This is a communication from a debt collector.  

   

   

   

   

• Initial Complaint

  Date:01/29/2023

  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, ************, $399 - was required to notify me prior to 09/07/2022, or no later than 30 days after. COMNWLTH FINfailed to notify me about reporting derogatory info. to ******** ********* *** ********** 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 09/07/2022, 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 ***** 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 ************** five days prior to placing this derogatory item on all of my credit reports, per Section *************** 809, which is $1000 per violation and the *********** allows treble damages.Under 809. Validations of date and Mini-******* 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 ***** 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 **** 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 *********** a creditor is who collects their on debt is considered a debt collector under FDCPA. ***** v. Heard 980 S.W.2d693(Tex.App-*********** **** reh.den.) citing ************************** *** ****** ***(Tex.App-****** **** writ dism'd w.o.j.)

  Business Response

  Date: 02/17/2023

  Re. CFSI Acct # *********
  
  Dear *******, 
  
  This response is in relation to Complaint ID   ********       submitted on behalf of  ****************************  We at Commonwealth Financial Systems **** (CFSI) take our consumer protection obligations very seriously and have dedicated significant resources to our compliance-related functions. The account at issue was placed in our office for collection on 09/07/2022. In compliance with Regulation F of the CFPBs Debt Collection Rule, prior to credit reporting the account, our office sent consumer written notification of the debt in an electronic communication.  The notification of debt was sent on October 07, 2022. 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. 

  
  Please be advised, there is no record of our office having direct contact with ********************, where a request for documentation was made. On January 27, 2023 our office received notice from the credit bureau(s) that the consumer is disputing the accuracy of the information on the account.  As part of our dispute handling process, we conducted a reasonable investigation of the disputed information. Through that process, we obtained verification of the debt and confirmed the accuracy of the information in our records, as well as that being credit reported. A copy of the supporting document obtained to verify the debt was forwarded to ******************** on February 07, 2023 for her records. 

  
  The account is currently in a dispute status.  A subsequent dispute has been received on the account and the dispute information has been forwarded to our client for further investigation. Pending our clients findings, and  it has been requested from the three major credit reporting agencies  to remove the account from consumers report.  We have ceased collection efforts and have requested the tradelines be removed from credit reporting pending our clients findings.

  Sincerely,

  
  *********************************,

  Legal/Compliance Dept.

  
  ** This is a communication from a debt collector.  

• Initial Complaint

  Date:01/21/2023

  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 ********************** Dickson City PA ****** Was notified by the credit bureaus that there was a medical collection on my accounts which posted 8/5/2022. I sent a letter to the collection agency for validation and they sent back a bogus letter saying it was a hospital bill from 2017. I have not been to the hospital at all. The credit bureaus sent back letters saying it was validated. How can you validate something in less than one week after the postage date of me sending letters. This situation has caused me nothing but stress and anxiety.

  Business Response

  Date: 02/07/2023

  Re. CFSI Acct # *********

  Dear *******,

  This response is in relation to Complaint ******** submitted by your office on  behalf of ************************. We hope the information provided addresses the issues and concerns set forth in the complaint. 

  The account placed with our office for collections is not a hospital bill. It is a physicians bill that originated with ****************.  medical group for services provided on 05/07/2017.On October 07, 2022, our office received written correspondence from ****************, via certified mail, stating the letter is being sent in response to a collection placed on his credit report and is requesting we provide validation of the debt. Our office obtained validation of the debt on October 13, 2022, which was then forwarded to ****************,  as requested. 

  We will continue to note the account as disputed. If you feel we can be of further assistance, do not hesitate to contact our office. 

  Respectfully,

  *********************************,
  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:01/19/2023

  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.

  NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

• Initial Complaint

  Date:01/16/2023

  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.

  This company is a third-party biller from an emergency room service that I took my minor child in for emergency services. I was under the impression that because of the Title I of the Consolidated Appropriations Act of 2021 as well as the Texas Senate Bill 1037 that was passed that medical bills were not to be reported on my credit report. Also, I believe in one of those laws that were passed, if I went to an IN network facility and an OUT of network physician provided services that the company is supposed to settle with my private insurance (which was not attempted at all, assuming because the company knew they were out of network). This came out on my credit report TWO weeks before I was closing on a home. It dropped my credit score 100 points. I had already called the hospital which I took my minor child for services to begin to pay off the balances which they were all cleared since she qualified to have the balances cleared. This company has not abided by and honored that. This hurt my credit score drastically and hurt me when I was in the process of making one of the most important purchases of my life. I have tried to dispute several times on my credit report and was finally advised these steps. The laws passed represents a major step in protecting consumers and it has not been followed by this company.

• Initial Complaint

  Date:01/16/2023

  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 EAST ***** **** ***** *** *** and I do not have a contract with COMMONWEALTH FINANCIAL. I have attempted to resolve this issue with the debt collection agency. ******* was able to delete the previous disputed address as it was not attached to me ******* Conformation#**********. They did not delete the collections account that is also attached with the address. also did not provide the original application as previously requested.Collection agency: COMMONWEALTH FINANCIAL opened: Aug 08, 2022 Original creditor: EAST ***** **** ***** *** *** Balance: $882.00

  Business Response

  Date: 02/06/2023

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

  Dear *******,

  Commonwealth Financial Systems, Inc. (CFSI) acknowledges receipt of Complaint ********, sent by your office on behalf of ***********************************. 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 account in question was validated on 01/27/2023 as part of a reasonable investigation resulting from s previous disputes on the account, and the investigation determined  we were attempting to collect the debt from the correct consumer.  We will continue to note the account as disputed. Should ************************  have  documentation or information  supporting  she isn't responsible for the debt,  we encourage such evidence be provided to allow us to more fully investigate the matter with our client. She can mail this information directly to our office at: Commonwealth Financial Systems, Inc., 245 Main Street, Dickson City, PA 18519, -  or,  email it to:  [email protected]. We ask that the CFSI Acct #  be documented on all correspondence to prevent any delays.
  
  Respectfully,
  Michelle H*************,
  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:01/05/2023

  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.

  1.I have never had an account with this company COMMONWEALTH FINANCE, REMOVE from all credit agencies from reporting. 2.“consumer” means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code §1692a (3) 3.This letter is in pursuing 15 U.S. Code §1692c (c) Ceasing communication 4.I am the “consumer” mentioned in 15 U.S. code §1692a (3) You are COMMONWEALTH FINANCE the debt collector 15 U.S. Code1692a (5) I am invoking specified remedies under use 15 U.S. code §1692c (c) (2) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code §1692c (c) (1) 5.I am the executor under the 15 U.S. Code §1692c (d) pursing to 15 U.S. Code §1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section: (1) (2) and (4) 6.According to 15 U.S. Code §1962e (8) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code §1692e (12) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code §692f Unfair practices (8) 9.While pursuing to §1692g (b) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code §1692k Civil Liability (a) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of— (1) (2) (A) (B) (3)

  Business Response

  Date: 01/17/2023

  Re. CFSI Acct # *********
  
  Dear *******,
  
  Commonwealth Financial Systems, Inc. (CFSI) acknowledges receipt of  Complaint  ********  submitted on behalf of Steven Ballard. In response to  the issues and concerns *** ******* laid out in the complaint, Commonwealth Financial Systems, Inc. is a National collection company incorporated in the state of Pennsylvania since 2001. We are a third-party collection agency with most of our clients being medical debt buyers. The account in question is the result of emergency physicians' services provided to complainant on 11/06/2016 by ********* ********* ********** medical group. ********* ********* **********, the original creditor, sold/charged off the debt to our client after it became seriously past due. Our client, the current creditor, placed the unresolved debt with our office for collection on 08/09/2022.
  
  We sent *** ******* notification of the debt in our office on September 02, 2022 and received no notice to indicate there was a deliverability issue. Our office also sent a text-based  communication on September 09, 2022. Our office received  no inquiries, disputes, or contact by consumer regarding the account prior to the complaint received 1/5/2023.  Upon receipt of the complaint, we ceased collection activity and forwarded the dispute information to our client. A request was submitted for the account  to be removed from the consumer’s report  We received notification from our client January 6, 2023, advising to close the account. 
  
  We hope our response addresses the consumer's issues and concerns. Should consumer have any questions, we can be  reached at our toll free number:  **************.
  
  Sincerely, Michelle H*******,

  Legal/Compliance Dept.
  **This is a communication from a debt collector. 

• Initial Complaint

  Date:12/19/2022

  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 Account #************. They do not provide me with a validation of the debt. Please provide me with the following: • What the money you say I owe is for: • Explain and show me how you calculated what you say I owe: • Provide me with copies of any papers that show I agreed to pay what you say I owe: • Provide a verification or copy of any judgment if applicable: • Identify the original creditor: • Prove the Statute of Limitations has not expired on this account: • Show me you are licensed to collect in my state: • Provide me with your license numbers and Registered Agent or Agent of Service: Delete this account for violation of my rights Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 {b.

  Business Response

  Date: 01/04/2023

  Re. **** Acct# *********

  Dear *******, 

  Commonwealth Financial Systems, Inc. (CFSI)acknowledges receipt of  Complaint ******** submitted on behalf of ******************************* and we thank you for the opportunity to respond.

  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 above referenced account is a medical debt the resulted from emergency physicians' services that were  provided to minor child **** on 07/11/2016 at *************************** medical facility. The emergency physician is a member of the ****** ***** ********* ****** *** medical group and bills separately from the hospital.  ****** ***** ********* ****** ***, the original creditor, sold/charged off the original debt to our client, after it became seriously past due. Our client, who acquired all ownership rights upon purchase, including the rights to collect on the account, placed the account with our office for collections. This is what gives our agency the ability to collect for an outstanding debt. 

  Our records indicate the validation of debt letter was sent to ********************** on June 14, 2022. On October 05, 2022, CFSI received a notice from the credit bureaus the consumer was disputing the debt; dispute basis: information on 'account is inaccurate', and on the grounds 'not consumer's debt' in a subsequent notice from the credit bureaus.  Our office conducted a reasonable investigation into the disputed information. The investigation determined  we are attempting to collect the debt from the correct individual, it verified all relevant data associated with the account, and confirmed the accuracy and completeness of the information being reported to the consumer reporting agencies.  Our office obtained verification of the debt in the process of our investigation and forwarded a copy of the supporting document to *** *********. 
  
  Please note, the statute of limitations applies to the maximum time which legal proceedings may be initiated to collect a debt. Commonwealth Financial Systems, Inc. does not bring legal action against consumers. Additionally, Commonwealth Financial Systems Inc has met all the requirements to collect debt in the state of Pennsylvania. Information regarding licensing &/or requirements for debt collection is available to the public and can be found online within the consumer's state. 
  
  The account has been marked to reflect the consumer's position in regard to the debt. The debt has been validated and we will continue to note the account as disputed  in accordance with the Fair Credit Reporting Act (FCRA). Should consumer have  documentation or information relevant to supporting the basis of their dispute position, we encourage they provide such evidence to allow us to more fully investigate the matter with our client. This information can be mailed to our office: Commonwealth Financial Systems, Inc., 245 Main Street, Dickson City, PA 18519, -  or,  emailed to:  [email protected]. We ask that the CFSI Acct #  be documented on all correspondence to prevent any delays.
  
  I hope my response has addressed the issues and concerns as set forth in the complaint. 
  
  Sincerely,
  
  Michelle H*******
  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:12/19/2022

  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.

  Under the Fair Credit Reporting Act, This collection is a medical collection in violation of HIPPA Law. Patient name and address are provided. Furthermore, late payments should not be reported on a chargeoff account.

  Business Response

  Date: 01/23/2023

  Re: CFSI Acct #*********

  Dear *******, 

  We hope you find the following information sufficient in response to Complaint  ******** submitted on behalf of  ********************************

  Please note, there is no clause in HIPAA  that states medical debt cannot be credit reported. The HIPAA law permits a creditor to share information with its business associates necessary to collect on medical debt, governed by the provisions of the Privacy Rule. The Privacy Rule requires that covered entities and business associates enter into a Business Associates agreement ensuring  protected health information (PHI) is accessed and disclosed at the minimum amount necessary to accomplish the intended purpose of its use. The Minimum Necessary Standard of the Privacy Rule  limits PHI that can be disclosed but information such as the  individual’s name and  address is permitted.  Commonwealth Financial Systems, Inc. maintains and operates under a Business Associates Agreement with our client, the current creditor of the account, who has placed the account with our office for collection.  We certify we disclose the  minimum amount of PHI needed and taken the steps necessary to keep all records secure. Our company has been fully compliant with HIPAA rules and requirements concerning the privacy of consumer's health information.
  The account at issue is no longer an open account in our office. The account was closed January 11, 2023 and is scheduled to be returned to our client. As standard procedure we submitted a request for credit report deletion 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,

  
  Michelle H*******,
  Legal/Compliance Dept.

  
  ** This is a communication from a debt collector.