Merchants' Credit Guide Company
Reviews and Complaints

I owe no debt to this company. I have no contract with these people and have no idea who they are. In accordance with the *** This company has violated my rights under 15 U.S.C. *** 602 A. states I have the right to privacy. 15 U.S.C ***. 604 A. Section 2 states a consumer reporting agency cannot furnish an account without my written instructions. 15 U.S.C. *** c (A)(5) states no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C *** s-2 (A) (1) states a persons shall not furnish any information relating to a consumer to any consumer reporting agency if the persons know or has reasonable cause to believe that the information is inaccurate.

On November 9,2020 Merchants Credit Guide received my certified letter requesting validation of account [protected]***I have not received a response. Under *** Finance Code Section *** a debt collection agency has thirty (30) calendar days to respond to a debt validation request. If they fail to respond to the validation request then they have essentially admitted, per *** Finance Code ***(b)(2), that the debt in question is inaccurate. As of July 14,2021 they are still reporting the account on my credit. Which puts them in violation of various state collection laws. I am making every effort to resolve this matter without presenting this matter in court. I am confident that by channeling this dispute through the Complaintsboard.com, a more simple resolution can be made. If they delete the account, cease reporting it to the credit bureaus, and provide written confirmation of the same, I will consider this matter resolved.

On February 21,2020 Merchants Credit Guide received my certified letter requesting validation of account(s) [protected]*** I have not received a response. Under Texas Finance Code Section 392.202 a debt collection agency has thirty (30) calendar days to respond to a debt validation request. If they fail to respond to the validation request then they have essentially admitted, per Texas Finance Code 392.202(b)(2), that the debt in question is inaccurate. As of April 6,2021 they are still reporting the account on my credit. Which puts them in violation of various state collection laws. I am making every effort to resolve this matter without presenting this matter in court. I am confident that by channeling this dispute through the Complaintsboard.com, a more simple resolution can be made. If they delete the account, cease reporting it to the credit bureaus, and provide written confirmation of the same, I will consider this matter resolved.

On March 15, Merchants Credit Guide received my certified letter requesting validation of accounts ending in 2826 and 2528. I have not received a response. According to the relevant Finance Code Section, a debt collection agency has thirty days to respond to a debt validation request. Failure to respond implies admission that the debt is inaccurate. As of September 8, they are still reporting the account on my credit report, violating state collection laws. I am attempting to resolve this without court intervention and believe that through Complaintsboard.com, a simpler resolution is possible. If they remove the account, stop reporting it, and confirm in writing, I will consider the matter resolved.

On January 11, Merchants Credit Guide C received my certified letter requesting validation of certain accounts. I have not received a response. Under Texas Finance Code Section 392.202, a debt collection agency has thirty (30) calendar days to respond to a debt validation request. If they fail to respond, then per Texas Finance Code 392.202(b)(2), they have implicitly admitted that the debt is inaccurate. As of March 20, they are still reporting the account on my credit, which puts them in violation of various state collection laws. I am making every effort to resolve this matter without resorting to court. I am confident that by using Complaintsboard.com, a simpler resolution can be achieved. If they delete the account, stop reporting it to the credit bureaus, and provide written confirmation, I will consider this matter resolved.

Last year on January 15 I received a letter from RMP Services LLC, a collection agency, stating I had two debts that had been referred to them (Ref#*** and ***). On July , I receive another letter from them stating that these debts would not be reported to any credit reporting agencies. So, the accounts had been resolved. However, on January 22, I receive a letter from Merchants Credit Guide, stating that I owed them these two debts that I settled with RMP months ago. I send certified mail with sig on Feb 2, to which they respond, however when I respond back showing my proof from RMP (certified mail with signature on arrival sent Mar 2), I get no response. But it still got reported to the bureaus despite the lack of response. MCG failed to respond in a timely manner. I sent another letter on July 3 with no response. I will consider this matter resolved if they delete the account, cease reporting it to the credit bureaus, and provide written confirmation.

I looked at my Chase checking at my Credit journey I saw there was an outstanding debt from Merchants Credit Guide. In *** that I owed $714 to the *** on *** in ***. I told them that my insurance AARPMedicareAdvantage had paid the ***. The *** had contacted me about the money in 2015. They said I owed it because I did not have a referral at the time, but I did. I told them to contact my insurance. My insurance assured me that the *** was paid in full.Now 5 years later I see that this is still in collection. I called the collection agency and they said I have to get it taken out of collection by my insurance. I called my insurance and they called Northwest Orthopedics and I was told that there are no outstanding claims against *** contacted *** LLC to have the debt removed. Their investigation results stated: The disputed Item was verified as accurate. How do I get the debt removed?

On August 26 at 11:48am, I recieved a call from Merchant's Credit company in regards to an outstanding medical ***.I spoke with a gentleman named *** in regards to the debt collection. He stated the amount owed and asked to resolve the issue. I made it known that I am disabled and have been out of work and recieve no income so there would be no way for me to make any sort of payment. *** said if we can't resolve the issue then he was going to report my debt to the credit bureaus. I informed him that it wasnt possible for me tomresolve the issue and he could do as he pleased, but medical debts will not reflect on my credit. *** argued and said yes they do, go ahead and not make a payment, we have your address, all your informatio and we know where to find you. I am going to report this to the bureaus and watch what it does to your credit, well get you. Then hung up. I called back and spoke to a manager for resolution but was unsatisfied with their response.

There are many accounts of debt on my credit report and constant mail from this agency. There are amounts with backup documentation that do not even come close to the amount declared as late. I tried to reach out to one company that I later found there is no company like that but that has charged me over 3 years ago? I didnt authorize to use the service. I am Bipolar and when I have periods of mania, people worry and call ambulances that I dont need. I let MCG know, but cannot resolve this. Im on disability and cant afford these debts. There is another charge that I cant get any documentation for from 4 years ago in the amount of $224. My healthcare provider cannot match this amount. The mailed documentation does not explain if these are new charges or the ones that are on my credit report. It is impossible to talk to someone because their file # do not have verified documentation. There is no way of knowing what is a late payment? I have asked to have these medical debts removed, because I simply am not stupid.

On February 12th I received notification that I had an account in collections. After researching I discovered this was a number who called me a few times and never left a voice mail. I also confirmed where the debt was from. I called merchants' guide and paid the collection. I asked for a letter stating that the balance was paid. The gentleman informed me that I will receive a letter in the mail within 7-10 days. After two weeks I still did not receive the letter I called back on February 26th and informed a women that I still haven't received the letter. She said they would send another one. I asked if it could be emailed. She said yes and I would receive the email within 72 hours. After 72 hours I called back and informed them I still haven't received the email and the woman I spoke with confirmed that there was a request made and I should have received it. I checked spam mail and searched my email with an account number she provided incase I overlooked it, which I hadn't. We changed my email address to a different provider just incase that was the issue. I was responsible in handling my debit once notified. I do not understand why I cannot get a letter stating I do not owe a balance.

I have requested this debt verified and hipaa authorization provided 5 times from this creditor. there has been no response from this creditor of whom i have never had business dealings with. this creditor is reporting a balance of over *** dollars due to them. , I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide the following:1. I am requesting that the ***covered entity or its business associate provide debt validation for an account in question. Please provide debt validation in the form of agreement, an original ***, and a detailed statement of procedures is required, if any.They actually deleted it from my Transunion Report, but did not remove from Experian and Equifax.2. Please provide a breakdown of fees, including any collection costs and medical charges, if any.3. Please provide a copy of my signature with the provider of service to release my medical information to you.4. Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer, if any.5. Cease any credit bureau reporting until the debt has been validated by me.6. Please provide me with a verified certificate of authority, and proof that your company is licensed to collect debt in my state. Kindly provide me with a license number and registered agent or agent of service.7. Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the *** FDCPA, HIPAA. i can provide all the letters previously sent if necessary.

On September 28 Merchants Credit Guide C received my certified letter requesting validation of account they are attempting to collect on ***. They never responded. Under the Texas Finance Code the debt collection agency has thirty (30) calendar days to respond to a debt validation request. All debt collectors operating in the State of Texas must be able to verify, or "validate," any debt on which they are attempting to collect payment. Texas Finance Code Section 392.202 requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to: The name of the original creditor the original date of default or non-payment of the debt the date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Surety bond information respond or did not respond in time. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202(b)(2), that the debt in question is inaccurate. As such, all collection efforts on the debt must cease and any derogatory listing should be permanently removed from any consumer credit reports. As of December 8 I still have not heard from them. Under state and federal law I could sue them and ask for thousands. However, I would like to make every effort to resolve this matter amicably without presenting this case in court before a jury in my community. If they delete the account and cease reporting to the bureaus I will consider this matter resolved.

Merchants Credit Guide is listed for 3 separate accounts on my credit reports. I was told that the original creditor was Arlington Emergency Medicine. I contacted my health insurance who told me that *** had been paid and that MCG was "balance billing" which cannot be done for in-network providers. 01/11 - billed 527, insurance negotiated and paid, *** is advising I have no portion to pay, 04/02 - billed 1057, insurance negotiated and paid, *** is advising I have no portion to pay, 11/06 - billed 958, insurance negotiated and paid, *** is advising I have no portion to pay. I provided this information to MCg who insisted that my insurance company gave me no such information and that it simply wasn't true. I asked for documents to be sent to me verifying that what MCG was collecting for was true and accurate. She advised that she would send them. I then contacted ***, they advised that they did not hold any accounts for me. Their contract with the hospital I visited ended in 2018 and all of their files were transferred to MCG. I called back to MCG and made them aware of what *** advised me and I was told that I was asking questions she didn't have the answers to. She transferred me to a manager. I relayed all the insurance pymnt information to him and I also advised him that *** did not own the debt and had transferred all records. He said that my insurance was not billed but made references to claims he would check, he said that *** owned the debt and MCG did not and he would check with his contacts at *** and get back to me. In the meantime, I located an email for *** and I sent them an email requesting help with the accounts listed. Through email, they advised me that they're no longer the billing agent and provided the contact information for MCG. I sent this information to MCG. I was told they would check their documents to find the correct original creditor. He said he would also check with a medical biller regarding balance billing