Optimum Outcomes, Inc. Debt Collection Complaint

Optimum Outcomes, Inc. Debt collection department,

Medical Disclosure verification of debt Right to dispute notice not received Missouri

Optimum Outcomes is reporting to - a collection in the amount of $740.00 for - - with a delinquency date of - -. I was seen at - - in fall of - but medical insurance paid the full amount since I had met my deductible. I have lived at my current address in - since - -. I never received a - day collection activity from Optimum Outcomes and it was reported to - - credit file without me being able to fully validate debt. Optimum Outcome is in direct violation of federal law by reporting inaccurate debt by re-aging the delinquency/open date to - - which is illegal. If this debt did occur it would have been in - and the delinquency date would have started then, but since I tried disputing the debt, I am unsure if I owe this medical debt which also violates HIPPA Laws. I did dispute the debt but it remains on my credit file and has been being reported since - -. Since they have re-aged a debt or received misinformation from - - - - - and reported inaccurate information they Optimum Outcome is in direct violation of federal law under the FCRA. If the collection item is not deleted I would like FCRA penalties and fines against the reporting company, Optimum Outcomes. I have lived in - since - - and can prove this address was on my credit file then and proof of employment starting in - -.