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:10/24/2022

  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 I do not have a contract with COMMONWEALTH FINANCE plus they did not provide me with the original application like I asked.account number: ******** amount disputed: $790

  Business Response

  Date: 11/19/2022

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

  Dear *******, 

  We thank you for the opportunity to respond to the complaint submitted by your office on behalf of ********************************/

  
  Upon review of the inquiry, ******************** is requesting validation while at the same time telling us to cease and desist communication with her in relation to this debt.  Due to ******************'s statement to cease & desist all communication, we have closed the account in our office and it will be sent back to our client informing them Commonwealth Financial Systems, Inc will no longer be servicing the account. A deletion request has been submitted to the credit bureaus to remove the tradelines from credit reporting and ****************** will have no further contact from our office regarding the debt.

  Sincerely,

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

• Initial Complaint

  Date:10/24/2022

  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 have been requesting this your company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information the company possesses for I am worried that my personal information has gone into the hands of the wrong person and been used for their own interest. Therefore I want to request the following information and determine my next actions.

  Business Response

  Date: 11/07/2022

  Re. CFSI *********
  
  Dear *******,
  
  This response is in relation to BBB 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. The above referenced account was reviewed fully in conjunction with the consumer’s complaint, and I believe the following will address the issues and concerns set forth in the complaint. 
  
  Commonwealth Financial Systems, Inc. is a third-party collection agency that collects on behalf of our clients.  The account in question is a medical debt that originated with ********* ********** of ******* *******, who is the original creditor.  Our client purchased the original debt from ********* ********** of ******* *******,  acquiring all ownership rights, including the rights to collect on the account. While the consumer did not create the debt with our agency, our client, the current creditor of the account, assigned it to our office for collection. This is what gives our agency the ability to collect for an outstanding debt. 
  
  The  account in question was placed with our office for collections on 01/24/2022.   In accordance with 12 CFR 1006 of Fair Debt Collection Practices Act (Regulation F), our office sent *** *** ****** written notification of the debt formatted in accordance with the Consumer Financial  Protection Bureau’s Model Validation Notice. The notice was sent January 31, 2022  to the address reflecting in said Complaint.  The account was then monitored  for a minimum of 14 days to allow for notice of a deliverability issue with the address. After 14 days, when no undeliverability notice was received, the account was sent to be credit reported.
  
  On 04/26/2022, our office received written correspondence from *** ****** in which he disputed the debt and requested validation of the debt. We conducted a reasonable investigation  and confirmed the accuracy of the information being credit reported. We obtained validation of the debt, as requested by *** ******,  which was forwarded to him on 05/24/2022.   *** ****** can a copy  at 1-800-848-2170, if needed.
  
  Please note, licensing information is available to the public and can be found online within the consumer's state.
  
  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:10/14/2022

  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.

  A collection for $637 showed up on my report May 2022. I haven’t lived in NM since 2014. I have not been to the emergency room out of my current state. There’s no doctor listed, what the original bill was for, the reason the VA didn’t pay the bill or if they even attempted to get it paid using my VA insurance, there’s no date of visit, no info at all. Just shows collections for an amount I have no clue what is for. The last time I did use ***** ****** ******* I had a sinus infection and paid the bill cash immediately cuz I didn’t have insurance. All other medical needs have been met by the VA since 2013. I have disputed this twice on my credit report, but they keep coming back. 

  Business Response

  Date: 10/31/2022

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

  Dear *******, 

  We 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 is the result of emergency physician services provided at ****************************** on 09/29/2016 by the ***** ********* *****. Please note, the physician bills separate from the hospital. The debt was later purchased by our client, who assigned it to our office for collections.
  
  Prior to credit reporting,  written notification of the debt was sent to **************** on June 01, 2022.   In accordance with Regulation F, after sending the notification, we then monitored the account for a minimum of 14 days to allow for notice of deliverability issues with that address. The notice was not returned as undeliverable, nor was a notice received indicating a deliverability issue.  

  On July 08, 2022, our office received a notice from the credit bureaus the consumer was disputing the debt. In response to the dispute, Commonwealth Financial Systems Inc. conducted a reasonable investigation, obtaining  verification of the debt in the process,  and confirmed the accuracy of the  information being credit reported. The supporting document validating the debt was forwarded to consumer on August 03, 2022, sent to the Alabama consumer provided in her dispute to the credit burearu(s). 

  Please be advised, the account in question has closed since the submission of Complaint ********,however, we would be more than happy to assist consumer in resolving the debt. Should **************** have documentation or information showing the debt is not owed, it can be mailed to our office at:Commonwealth Financial Systems, Inc., 245 Main Street, Dickson City, PA 18519,- or emailed to:  [email protected], and we  will forward to our client for investigation. To prevent any delays, the CFSI Acct # should be documented on all correspondence.

   We hope this addresses the issues and concerns as set forth in the complaint.
  Sincerely,
  Michelle H***********,
  Legal/Compliance Dept.
  ** This is a communication from a debt collector.   

• Initial Complaint

  Date:10/13/2022

  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.

  It pays my attention that the following accounts are inaccurate. I am a consumer by law. I am not happy about what I saw. This hurt my credentials as a consumer. I am not aware from those account. Here are the listed details of the account with discrepancies:Account Name COMMONWEALTH FINANCIAL Balance $196.00 Account Number ************

  Business Response

  Date: 10/17/2022

  Re. CFSI Acct # *********

  Dear *******, 

  In response to the complaint sent on behalf of ***************************, please be advised we received a complaint in August 2022 submitted on *******************'s behalf  from another regulatory agency with the same dispute. Please refer to consumer's letter,  dated August 01, 2022, that was attached in said complaint. This letter accompanied the previous complaint in August. The matter was investigated and we verified the accuracy of the debt. The supporting document was sent to ****************** for review. 

  Please note, this matter has been investigated and the dispute was resolved.  The referenced account was closed on 9/16/2022 and Commonwealth Financial Systems Inc. is no longer servicing the account. Our records indicate that on 09/16/2022 a deletion request was sent to the 3 major credit reporting agencies to remove the account from credit reporting. 

  We hope this addresses the issues and concerns as set forth in the complaint.

  Sincerely,

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

  ** This is a communication from a debt collector.   

• Initial Complaint

  Date:10/07/2022

  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 an email from ******** that there was a hit on credit report. I looked at it and saw that it came from Commonwealth Financial for an unpaid bill. It made my credit drop from 797 to 676. I have never heard of this company nor have I evere received a phone call or letter from them. I always pay my doctor bills and the rest of my bills before their due date. I don't know why a debt collector would send information to a credit reporting agency when they don't call me or send a letter.

  Business Response

  Date: 10/26/2022

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

  
  We, at Commonwealth Financial Systems Inc,  thank you for the opportunity to respond to Complaint  ********  submitted by your office on behalf of ***** *****. The above referenced account was reviewed fully in conjunction with the consumer’s complaint, and I believe the following information will address the issues and concerns set forth 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 that collects on behalf of our clients. The account in question was placed with our office for collections on August 8, 2022 by our client, ******** ******* ********.
  
  The debt is the result of physician services provided on July 15, 2016 at ***** ****** **** *****. Our client purchased the account from the original creditor of the account, ***** ****** *********, after it had become delinquent, and assigned it to our office for collection. Our records indicate notification of the debt was sent go consumer notification of the debt on September 02, 2022 in an electronic communication.  Before credit reporting, the account was monitored for a minimum of 14 days to allow for notice of deliverability issue with the email address.   No notice was received indicating an issue.
  As requested, an explanation of charges was sent to *** ***** on 10/14/2022. Should she have any questions, she can reach us at our toll free number, 1-800-848-2170. 
  

  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:10/05/2022

  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 st ******* emergency group and i do not have a contract with commonwealth finance plus they did not provide me with the original application like i asked

  Business Response

  Date: 10/21/2022

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

   

  Dear *******, 

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

  Please be advised, Commonwealth Financial Systems, **** (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 original creditor, ST ******* EMERGENCY GROUP LLC,sold/charged off the original debt to our client, after it had become delinquent. Our client, the current creditor, acquired all ownership rights,including the rights to collect on the account. While the consumer did not create the debt with Commonwealth Financial Systems ****, 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. 

  On July 22, 2022, our office received a notice from the credit bureaus the consumer was disputing the debt.  Our office completed an investigation of the information being disputed and obtained verification of the debt. The document validating the accuracy of the information was forwarded to Mr.  Brown on 8/12/2022. ************** has not provided  documentation showing the debt is not owed, or to substantiate his claim that the balance is inaccurate. 

  The account has closed since the time we received said Complaint, should ************** have documentation to substantiate his dispute, we will gladly forward it to our client for review. This information can be mailed to:  Commonwealth Financial Systems, ****, ************************************************************; -or emailed to ****************************************** prevent any delays, the **** Acct # should be documented on all correspondence.

  I hope this addresses the issues and concerns as set forth in the complaint.

  
  Sincerely,

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

  
  ** This is a communication from a debt collector.  This 

• Initial Complaint

  Date:10/05/2022

  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 have reached out to Commonwealth Financial Systems, **** They have failed to provide proof of validation regarding a debt that does not belong to me. They have furnished this alleged debt on my consumer report and have failed to validate the alleged claim pursuant to Sec. 809(b)of the Fair Debt Collection Practices Act and according 609(a)(1)(A), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demand this item be removed from my credit report immediately. Commonwealth Financial Systems, *** you are furnishing inaccurate and incorrect information to the consumer reporting agencies.The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.You and your inaccurate reporting have damaged my livelihood.15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies (a)Duty of furnishers of information to provide accurate information 1) Prohibition (A)Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.Duty: a moral or legal obligation; a responsibility Accurate: correct in all details; exact.Prohibition: a law or regulation forbidding something As Defined by The *** Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.The *** Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!ACCOUNT NUMBER: ************

  Business Response

  Date: 10/21/2022

  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.  The above referenced account was reviewed fully in conjunction with the consumers complaint. Please be advised, our office acknowledges receipt of ******************** letter, received 09/30/2022, disputing the accuracy of the information being credit reported, and the request the debt be validated.  We  immediately marked the account as disputed, began our reasonable investigation into the disputed information, and submitted for removal of the tradelines from credit reporting during the investigation period.  In the process of our investigation, we obtained verification of the debt, confirming that the information in our records was accurately reflected in the information being reported to the credit bureaus. The supporting document was forwarded to **************** on October 12, 2022. 

   During the course of conducting our reasonable investigation, the referenced account had closed. A letter, advising **************** the account had closed since the time of his request for validation,  accompanied the validation document sent October 12, 2022. A request for deletion of the tradelines associated with the account had already been submitted to the three (3) major credit reporting agencies at the onset of the investigation. 

  I hope you find my response sufficient in addressing the issues and concerns as set forth in the complaint. 

  Sincerely,

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

  
  ** This is a communication from a debt collector.  

• Initial Complaint

  Date:10/02/2022

  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.

  On August 26 I paid Common Wealth $84.26 over the phone over a bill that I was not receiving because I had moved. Common wealth got a hold of me via mail and I paid immediately. I have never been late for a payment in my life. Soon after I started to get phone calls from individuals that were very vague and did not clearly state what company they were. I would ask why they were calling and they would not tell me till I provided personal information. I was very hesitant because Im afraid of fraud and identity theft, so I hung up on them. Later on November 14, 2021 I saw on my banks credit alerts that Common Wealth placed a major derogatory **** on my credit. I called them and tried to tell them I had already paid, they told me they had no records and I needed to call my bank to provide a receipt showing I paid common wealth. I called my bank and they told me that they dont provide receipts because it was a payment done over the phone to common wealth, and that my statement should be enough proof. I looked through my statements, and I found the date that I paid Commonwealth financial $84.26 on August 26,2021 to an RMP *** *** **** *********** **. I called common wealth back and told them what my bank told me and they told me to send an email with the statement to an ***@cfsi-arm.com email and to label the email with this ref#********* on January 10,2021 at 10:58pm. They have not responded to the email or removed the mark on my credit. I had amazing credit till they fraudulently marked it. Also, I would like to add during this time I was pregnant, just had just had a baby, and was a rough recovery. It took me time to report this. Thank you for your time.

  Business Response

  Date: 10/17/2022

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

  Dear *******,

  Commonwealth Financial Systems, Inc. (CFSI) acknowledges receipt of Complaint *********, sent on behalf of ***************************** and and believe the following information will address the issues and concerns set forth in the complaint.

  Please be advised,  the above referenced account was not begin serviced by Commonwealth Financial Systems Inc in August 2021. The account was not assigned to our office until 10/06/2021. On 3 separate occasions there was telephone contact with a female however, we were unable to verify that we had the right party on the line. On calls, we need to follow a verification process that allows us to ensure we are speaking with an individual connected to the account.  ******************** was not willing to provide information we needed to complete that process, so we could not discuss the nature of the call  &/or the nature of the account.

  In regard to the issue of payment, our records indicate no payments were received on this account while it was open in our office. The statement consumer attached with Complaint *********  shows a payment of $84.26 made to merchant 'RMP' at phone number ************ (please see attachment).  Upon calling that number, I was connected to *** ******** *** collection agency in N.Carolina. Please note, Commonwealth Financial Systems Inc is not affiliated with any other collections agencies.  However, ******************** disputed the account with our agency on 01/03/2022 as paid prior and on January 11, 2022,  she provided the documentation to support her claim. We forwarded the documentation to our client advising them of ************************ position regarding the balance that was placed with our office. The matter was investigated by our client and, on January 27, 2022, our office was advised to close the account. A deletion request was sent to the three (3) major credit reporting agencies - **********, ******** & ******* - and should not be appearing on consumer's credit report.  IF the account is still credit reporting, the most efficient method to assure deletion, is for the consumer to dispute directly with the credit reporting agency that continues to carry the tradeline.   We will again send a deletion notice for the credit reporting agencies to delete the item from complainant's report. 

  I hope my response has addressed the issues and concerns as set forth in the complaint. If there are any further questions, comments or concerns, consumer can contact our agency at **************. 

  Sincerely,

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

  ** This is a communication from a debt collector.  

  Customer Answer

  Date: 10/18/2022

  [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:09/28/2022

  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.

  After reviewing my credit report I found that I had 2 collections both in the amount of $200 from Commonwealth Financials Systems. I am not liable for this debt with Commonwealth Financials Systems and do not have a contract with them. They did not provide me with a copy of the original application validating an agreement to partnership with on another, neither have they provided a breakdown of fees including any collection costs and medical charges. For both these reason this is a violation of the Fair Credit Report Act and this item should be removed from my credit report immediately to avoid litigation.

  Business Response

  Date: 10/14/2022

  Re. CFSI Acct # ********* & *********
  
  Dear *******,
  
  We thank you for the opportunity to respond to Complaint  ******** submitted on behalf of *************************. The above referenced account was reviewed fully in conjunction with the consumers complaint and I believe the following information will address the issues and concerns set forth.
  
  Please note, the referenced accounts are medical debts that originated with ******* Hospital. In regard to CFSI Account # ********* - original account number ********** - the debt accrued from services provided at ******* Hospital Orlando on 09/24/2018. The total charges were $1,048.00, of which a balance remains of $200.00. In regard to CFSI Account #  ********* - original account number **********  - the debt accrued from services provided at ******* Hospital Orlando  on 06/07/2018.  The total charges were $4,325.60,  of which a balance remains of $200.00. 

  Our records indicate notification of the debts were sent to ****************** on August 18, 2022 in an electronic communication. We monitored the accounts for a minimum of 14 days for any deliverability issues. No notice  was received on either account.
  
  Prior to said Complaint, there is no record of inquiries, disputes, or contact by consumer.  Upon receipt of said Complaint, the account was placed in Dispute status, and in accordance with the Fair Credit Reporting Act, a request to update the tradeline for the accounts to disputed was submitted to the credit bureaus. We have also reached out to our client for validation of the debt, as requested by consumer. We will forward the results of our client's findings to consumer once received.

  In regard to HIPAA, the HIPAA law permits creditors to share information with its Business Associates necessary to collect on medical debt. The HIPAA rules require 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 HIPAA requirements concerning privacy of medical records.

  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 original creditor, ******* Hospital, sold/charged off the original debts to our client, after they had become delinquent. Our client, the current creditor, acquired all ownership rights, 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. 
  
  I hope my response has addressed the issues and concerns as set forth in the complaint. If there are any further questions, comments or concerns, consumer can contact our agency at 1-800-848-2170. 
  

  Sincerely, 
  
  Michelle H***************
  Legal/Compliance Admin
  
  **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: 10/18/2022

  [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: My request was not of an update of previous communication but a validation of the said debt, I did not receive any information the information that was said to be sent out in August of 2022. As stated previously, please provided the following: A breakdown of fees including any collection costs and an itemized list of medical charges please send this information to my address listed above and accept this as my formal debt validation request, which I am allowed under the FDCPA. Also cease any credit bureau reporting until the debt has been validated by me to avoid litigation.   
  
  
  Regards,
  
  *************************
  
  
  
  
  
  
  
  
  

  Business Response

  Date: 10/28/2022

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

  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. Please be advised, upon receipt of ***************************** initial complaint, we reached out to our client to request documentation to validate the debts placed in our office. We did not receive that information and the account was closed in our office. A deletion request has been submitted to the three (3) major credit reporting agencies to remove our tradelines from ***************************** credit report

   Sincerely,

  Michelle H***************,

  Legal/Compliance Dept.

  ** This is a communication from a debt collector.