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: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.  

• Initial Complaint

  Date:12/17/2022

  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.

  This company has placed fraudulent collections on my my credit report negatively affecting my credit history, and even through a dispute process they still remain on my credit although I have no knowledge of the accounts. They have multiple complaints against them for doing the same practice via reviews.

  Business Response

  Date: 01/03/2023

  
  Re. **** Nos: *********, *********, *********
  
  Dear *******,
  
  This response is in relation to CFPB Complaint ID   ******** submitted by your office on behalf of  ****************************
  
  Please note, we are a  third-party collection agency that collects on behalf of our clients.  The accounts in question are the result of emergency physicians services provided on 09/22/2016, 09/24/2016, & 11/27/2016 respectively, by ******************************, who is the original creditor of the account.  ******************************  later sold/charged off the original debts to our client, thus becoming the current creditor of the accounts. Our client, ******** ******* ********,  acquiring all ownership rights upon purchase, including the rights to collect on the accounts, assigned them to our office for collection on  September 12, 2022.
  
  In compliance with Regulation F of the CFPBs Debt Collection Rule, prior to credit reporting, our office sent **.  ******* notification of the debts in an electronic communication. Notification was sent on October 04, 2022. We then monitored the account for no less than 14 days, the reasonable period of time as defined by the ***** to allow for notice of a deliverability issue. After 14 days, when no undeliverable notice was received, the account was sent to be credit reported.
  
  On  December 06, 2022, our office received  the first notice from the credit bureaus that the consumer was disputing the accounts on the grounds the 'information on the account is inaccurate', and   'not consumers debt' in a subsequent dispute. We marked the account as disputed and conducted an investigation relevant to  consumers dispute. Our initial evaluation of account information found no inaccuracies, so,as part of our dispute handling process, we reached out to our client to assist with our investigation.  On December 14, 2022 our client provided our office verification of the debt for each account. It was determined that we are attempting to collect the debt from the correct individual and confirmed the accuracy  of the information being credit reported. Our office forwarded copies of the supporting documents to ****************** for his records.
  
  We will continue to note the account as disputed and should ***************** have  documentation, or information relevant to supporting the basis of his dispute position, we encourage him to provide such evidence to allow us to more fully investigate the matter with our client. The information can be mailed to our office at: Commonwealth Financial Systems, Inc., 245 Main Street, Dickson City, PA 18519,-  or,  emailed to:  [email protected]. We ask that the **** Acct #  be documented on all correspondence to prevent any delays.
  
  We appreciate the opportunity to respond to and we hope our response has addressed the issues and concerns as set forth in the complaint.  If consumer has any questions regarding the accounts, he can reach our agency at **************.
  
  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:12/15/2022

  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.

  This complain is due to the negative marks made by your company on my credit file. I would be willing to accept this debt if it were mine and upon Validation and Proof of Claim but its not mine and theres no way that you can validate it. Also, you must provide me proof that they have my consent to report my medical information in accordance with HIPPA laws. So let it be known that I am requesting full validation of this debt. I demand that you take action on this matter because it has been causing me a lot of stress lately. Please remove this negative account from my credit report. The value of my creditworthiness is at stake.I am also aware this information was previously deleted (9/09/2022) under AVANTE ACCOUNT NUMBER ********. However I see this information associated with Commonwealth Finance Account Number: ************ has been reinserted on my consumer report yet again and is reporting both incompletely and inaccurately. This is a violation of 15 U.S Code 1681i(B)(i) and Commonwealth Finance Account Number: ************ must be removed Immediately!

  Business Response

  Date: 01/22/2023

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

  Dear *******,

  Commonwealth Financial Systems, **** (CFSI) would like to thank you for the opportunity to respond to 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 functions. The above referenced account was reviewed fully in conjunction with the consumers complaint, and we hope the following information is found sufficient in addressing the issues and concerns set forth in the complaint. 

  The account in question resulted from  emergency physicians services provided on 01/31/2019 by ** ******* ********* ***** LLC, who is the original creditor of the account.  ** ******* *************** later  sold/charged off the original debt to our client, after it had become delinquent. Our client,the current creditor, acquiring all  rights upon purchase, including the rights to collect on the account,  has placed the account with our office for collections. This is what gives our agency the ability to collect on the  outstanding debt. 
  The referenced  account was received in our office on 10/24/2022. In compliance with Regulation F of the CFPBs Debt Collection Rule, prior to credit reporting the account our office sent consumer  notification of the debt and then waited  14 days,  the reasonable period of time as defined by the CFPB,  to allow for notice of a deliverability issue.  After 14 days, having received no undelivered notice, the account was sent to be credit reported. On December 19, 2022 our office  received written correspondence from consumer disputing the debt and communicating a refusal to pay. We closed the account  and scheduled it  to be returned to our client. A deletion request was submitted to the three major credit reporting agencies to remove all  tradelines  associated with the account. Consumer will have no further contact from our office  regarding the account.
  
  Please note, the HIPAA law permits creditors to share information with its Business Associates necessary to collect on medical debt requiring that covered entities and business associates enter into contracts to ensure protected health information is appropriately safeguarded. Commonwealth Financial Systems, Inc. operates under a Business Associates Agreement with our client which certifies that we agree to not share private health information with anyone other than the consumer, or authorized party, and we further agree to keep records secure. Our company has been fully compliant with the rules and requirements of HIPAA.

  We hope our  response has addressed the issues and concerns as set forth in the complaint.

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

  **This is a communication from a debt collector. 

• Initial Complaint

  Date:12/08/2022

  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 received a notice that I have a collection from COMNWLTH FIN on my credit report. It says it was opened on05/04/2022 for $1,045 with account number starting in ************ that I am not aware of nor am I responsible for. I never went into business with this company or signed any agreements with them so they should not be reporting anything on my credit. This is a violation of my rights as a consumer according to the FCRA and FDCPA.I would like for this collection to be removed asap or I will file a CFPB and FTC report.

  Business Response

  Date: 01/03/2023

  December 30, 2022 
  
  Dear *******, 
  

   

  We thank you for the opportunity to respond to Complaint # ******** submitted by your office on behalf of ****** *********.  
  Commonwealth Financial Systems, Inc. is a third-party collection agency that collects on  behalf of our clients. The account in question is the result of emergency physicians’  services provided to consumer on 10/22/2018 by the ********* ********* ********** *** medical group. ********* ********* ********** *** later sold/charged off the debt to our client after it had become delinquent. While the consumer did not create the debt with Commonwealth Financial Systems Inc., our client,  who acquired all ownership rights upon purchase, assigned the account to our office for  collections on May 04, 2022. This is what gives our agency the ability to collect on the outstanding debt.
  In compliance with Regulation F of the CFPB’s Debt Collection Rule, prior to credit  reporting, our office sent consumer written notification of the debt in an electronic  communication. We then monitored the account for no less than 14 days, the reasonable  period of time as defined by the CFPB, for notice of a deliverability issue. After 14 days,  when no undeliverable notice was received, the account was sent to be credit reported. 
  On 06/08/2022 our office received a notice from the credit bureaus the consumer was  disputing the debt stating: information on the account is inaccurate. We conducted our  reasonable investigation and confirmed the information being reported to the credit  bureaus was complete and accurate. We obtained verification of the debt and a copy of  the supporting document was forwarded to consumer on September 23, 2022. 
  We will continue to note the account as disputed. Should consumer have documentation  or information relevant to substantiate his claim that he is not responsible for the debt, we ask that he submit it to our office by mailing it to: Commonwealth Financial Systems,  Inc., 245 Main Street, Dickson City, PA 18519, or - emailing it to:  [email protected]. Please document the CFSI Acct # on all correspondence to prevent any delays. 
  

   

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

• Initial Complaint

  Date:11/30/2022

  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 do not have a contract with Commonwealth Finance. I am not liable for the collection of this debt from Commonwealth Finance. I am not responsible for this debt. It also violates my HIPPA rights for them to have access to this information and to place it on my credit reports. Desired Outcome/Settlement Desired Settlement: Correction to a credit report DELETE FROM CREDIT REPORT

  Business Response

  Date: 12/30/2022

  December 28, 2022 
  

   

  Dear *******, 
  

   

  Commonwealth Financial Systems, Inc. (CFSI) acknowledges receipt of the above referenced  complaint submitted on behalf of ******* ******. We would like to take this opportunity to  resolve the complaint, however, we are unable to identify a record of association with the  information provided in the complaint. At minimum we would need the last four digits  of the individual’s social security number&/or date of birth.  
  

   

  Regards, 
  Michelle H******* 
  Legal/Compliance Admin 
  

• Initial Complaint

  Date:11/21/2022

  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 noticed that there is inaccurate account that I needed to report. Evaluate and investigate those account that is not 100% accurate. Here are the lists that indicates the company name, balance, and date last reported:Account Name COMNWLTH FIN Balance $1,247 Account Number ************

  Business Response

  Date: 12/14/2022

  Re.CFSI Acct # *********
  
  Dear *******, 
  
  We thank you for the opportunity to respond to Complaint ******** submitted by your office on behalf of ***************************. The account referenced in ******************** complaint is a medical debt that originated from emergency physicians' services rendered on 08/08/2018 by a member of the ******* ********* ********** medical group, the original creditor of the account. Upon review of the inquiry, we determined **************** has identified inaccuracies in the account information being credit reported and lists the following information  to be investigated: COMNWLTH FIN, Balance $1,247 Account Number ***********.Consumer cites a violation under 15 U.S.C 1681i (7). 
  
  In compliance with Regulation F of the CFPBs Debt Collection Rule, prior to credit reporting, our office sent consumer written notification of the debt in an electronic communication. We then monitored the account for no less than 14 days, the reasonable period of time as defined by the CFPB, for notice of a deliverability issue. After 14 days, when no undeliverable notice was received, the account was sent to be credit reported.
  
  On 10/14/2022, our office received a notice from the credit bureaus the consumer was disputing the debt stating: Information on account is inaccurate, provide or confirm complete ID and verify all Account Information. Our office conducted an internal review of all relevant data associated with the file  and confirmed that the information in our records matched the information being reported to the credit bureaus. Following subsequent dispute notice from the credit bureau(s), we reached out to our client requesting their assistance with our investigation of the disputed information, during which a notice was received stating the consumer was disputing the account on the basis of Identity Theft. In response to the dispute, we ceased collection activity and submitted a request to delete the debt from the consumers credit report. Commonwealth Financial Systems Inc is currently  conducting an investigation relevant to the consumers dispute.  Should **************** have supporting information or documentation, such as a copy of the police report or identity theft affidavit, to help expedite the investigation,  he can submit it by sending it to our office at:  Commonwealth Financial Systems, Inc., Inc. To prevent any delays, please document  CFSI Acct # ********* on all correspondence.

  Sincerely,

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

  **This is a communication from a debt collector.  

• Initial Complaint

  Date:11/21/2022

  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.

  This was not sent in error. I am consumer by law and I want you guys to delete the inaccurate accounts in my credit report. Here are the details of the said inaccurate accounts, company name, balance & date last reported: Account Name COMNWLTH FIN Balance $1,273 Account Number ************

  Business Response

  Date: 12/15/2022

  We thank you for the opportunity to respond to Complaint ******** submitted by your office on behalf of ***********************. The account referenced in ***************** complaint is a medical debt that originated from emergency physicians' services rendered on 11/22/2016 by a member of the ******** ***************************** Pa, the original creditor of the account. Upon review we determined ************* has identified inaccuracies in the account information being credit reported and lists the following information to be investigated:COMNWLTH FIN, Balance $1,273 Account Number ************. Consumer cites a violation under 15 U.S.C. 1681i(7).
  
  In compliance with Regulation F of the CFPBs Debt Collection Rule, prior to credit reporting, our office sent ************* written notification of debt on 08/03/2022. We then monitored the account for no less than 14 days, the reasonable period of time as defined by the ***** for notice of a deliverability issue. After 14 days, when no undeliverable notice was received, the account was sent to be credit reported.
  
  On 10/24/2022, our office received a notice from the credit bureaus the consumer was disputing the debt stating: Not consumer's debt, provide or confirm complete ID and verify all Account Information. Our office conducted an internal review of all relevant data associated with the file and confirmed that the information in our records matched the information being reported to the credit bureaus.
  
  Following notice from the credit bureaus of a subsequent dispute, we reached out to our client requesting documentation to support the validity the debt in question, the results of their findings are still pending. In order to resolve the complaint, we have closed the account in our office and will be returning it to our client. Please note that this action also initiates a deletion request to remove all tradelines on the referenced account from credit reporting to the 3 major credit bureaus.  We hope this addresses all concerns on the part of the consumer

• Initial Complaint

  Date:11/18/2022

  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.

  This is not my debt, therefore I am not liable for this debt I do not have a contract with Common Wealth Collection nor did they did provide me with any information concerning this account.Collections #D14590XXXXXX/CommonWealth Financial in the amount of $97 was reported on May 18,2022...

  Business Response

  Date: 12/02/2022

  Re. CFSI Acct # *********

  Dear *******, 

  This response is in relation to Complaint ID ********  submitted on behalf of ******************************  

  Commonwealth Financial Systems, **** 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 assigned the account to our office on 05/18/2022 for collection. Written notification of the debt was sent to **************** on 06/01/2022 and was not returned as undeliverable. Prior to said Complaint, there is no record of inquiries, disputes, or contact by consumer. On 10/21/2022 this account was recalled by our client and closed.  Commonwealth Financial Systems **** is no longer servicing this account and the credit bureaus were requested to delete the account from credit reporting. 

  Sincerely, 

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

  
  This is not my debt, therefore I am not liable for this debt I do not have a contract with Common Wealth Collection nor did they did provide me with any information concerning this account. Collections #D14590XXXXXX/CommonWealth Financial in the amount of $97 was reported on May 18,2022...