How to Remove Medical Data Systems From Your Credit Report
Medical Data Systems is a healthcare receivables management company that works with healthcare providers to collect an outstanding patient debt. As is the case with any collections agency, debt will appear on your credit report which can negatively impact your score and diminish your chances of getting approved for loans and other credit instruments.
However, it is possible to remove Medical Data Systems from your credit report if the information is incorrect, fraudulent, or outdated. This article will explain the steps to eliminate damaging debt information from your credit history, which can result in an improved credit score. Additionally, DoNotPay can not only assist you with this task but also help you fix your credit score, as well as remove inquiries and late payments.
How to Contact Medical Data Systems
is headquartered in Vero Beach, Florida with three collection offices in the state and one in Alabama. The company has over 600 clients for primary and secondary debt collection. Medical Data Systems purchases patient debt from medical provider offices and works with patients to settle their unpaid bills.
The company's contact information is as follows:
|2001 9th Avenue, Suite 312
Vero Beach, Florida 32960
What Is a Debt Validation Letter?
The FDCPA requires that Medical Data Systems send you a debt validation notice within five days of your first contact. This letter should include the following information that you should verify with your own records.
- The amount of money you owe.
- The medical provider or facility that Medical Data Systems is representing.
- An explanation that you have the opportunity to dispute the debt amount within 30 days of receipt of the letter. If there is no response from you within that time, the debt is considered valid.
- A confirmation that if you do dispute the debt within 30 days, your debt must be verified by mail within another 30 days.
- The statement that you have the option of requesting more information about the original creditor. This must be provided by Medical Data Systems within 30 days.
First Steps When Disputing a Collections Entry Error
The first step to disputing a collections' entry on your credit report is to compile all documentation and records related to the case. Compare your records with what appears on your credit history reports from each of the three large agencies, Equifax, TransUnion, and Experian. Carefully go through each of these items to ensure they are correct.
- Your name, date of birth, social security number, current and previous addresses, phone numbers.
- Recent credit inquiries from companies and individuals within the past two years.
- Active account balances and recent payments.
- Current credit information includes cards, mortgages, and loans and the dates when each was established.
- Closed accounts.
- Public record transactions from local, state, and federal governments may include bankruptcies, liens, judgments, and divorces.
- Co-signer information, if applicable.
- All collections accounts.
Filing a Dispute With the Credit Bureau
The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) give you the right to dispute Medical Data Systems' debt on your credit report. The first step is to notify the credit bureau of the collection entry you wish to have removed. The credit reporting agency has up to 30 days to investigate and respond to your dispute.
The credit bureau will contact Medical Data Systems to investigate the collection information that you are contesting. After the results of the investigation are known, the credit agency must give you a written report of their findings and the actions taken. Once the correction is made to your credit report, you are issued a free report to prove that the correction was made.
|600 Pennsylvania Avenue, NW Washington, DC 20580
|Email or Contact Form
Disputing the entry directly with Medical Data Systems is also an option. However, if you choose to go this route, you are surrendering your right to seek legal action in the event they mishandle your inquiry.
Strategies That Can Help You With Your Dispute
The following tips can help you be more successful when disputing Medical Data Systems errors on your credit report:
- Request an investigation in writing to the credit bureau. If you are mailing the letter, apply a return receipt to ensure they receive it.
- If using an online webmail form, you may submit your own details or supplement the form with additional documents.
- Keep a file of all correspondence with the credit reporting agency.
- Notify Medical Data Systems that you are contacting the credit agency for an investigation.
- Dispute the entry with each credit bureau individually.
- Include documentation and any other information that supports your claim.
- Attempt to negotiate payment with Medical Data Systems to remove the entry from your records.
- If all else fails, you may be able to pay Medical Data Systems for a deletion negotiation letter, which is an agreement to pay in exchange for removing the entry on the report.
What to Do if the Credit Reporting Agency Won't Remove the Entry
The following steps can be taken if you have exhausted all other measures with the credit bureaus to remove the collections entry on your report.
- Ask the credit bureaus to include a statement of the dispute in your file. You can also ask them if they can provide your statement to anyone who's recently received your credit report. The credit bureau may charge a fee for this request.
- File a lawsuit under the FCRA against the credit reporting agency or the creditor.
- File a complaint with the Consumer Financial Protection Bureau. You can file online, by phone, or by mail.
|Consumer Finance Website
|Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244
How DoNotPay Can Help You Clear Your Credit Report
If you want to clean up your credit report but don't know where to start, DoNotPay has you covered with the following easy steps:
- Search Clean Credit Report on DoNotPay.
- Prepare a recent copy of your credit report that you can use as reference.
- Let us guide you through the 4 potential options:
- If you've already paid off your debt, we'll help you file a Goodwill Removal Request to get it removed.
- If you notice any errors in your report (we have a list of common errors you can use!), we'll help you file a credit dispute to the creditor or major credit bureaus.
- If there are no errors, we'll check if you're still eligible to file a debt validation request. If they can't validate your debt, they're required to remove it from your report and they can't collect it!
- Lastly, if none of the above options work, we'll help you file a pay-to-delete negotiation letter. You can customize the amount you are willing to pay in exchange for getting the item removed.
DoNotPay can also help you remove late payments from your credit report, fix your credit score, and remove inquires from the report.
Why Use DoNotPay
- Fast—You don't have to spend hours trying to solve the issue
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In addition to helping you clean up your credit report, DoNotPay can assist you in many other situations, including the following:
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