Medical Data Systems on Your Credit Report? Fight Back and Win

Last Updated:
April 10, 2023

In many cases, debt collectors target unsuspecting individuals and use relentless intimidation tactics to get their way. Among these agencies is Medical Data Systems, and thousands of people have experienced debt-related harassment on their end.
Facing a company like Medical Data Systems is overwhelming and stressful, but, it is doable. With the right knowledge and resources under your belt, you can effectively remove Medical Data Systems from your report.

Continue reading to learn more about Medical Data Systems, what they do, and how you can face them head-on.

What is Medical Data Systems and What Do They Do?

Medical Data Systems (MDS) is a third-party debt-collecting agency located in Vero Beach, Florida. Founded in 1988, the MDS also falls under the name “Medical Revenue Service.” With a focus specifically on resolving unpaid medical bills, MDS purchases these debts from other creditors or organizations. 

According to Buzzfile, there are approximately 206 employees at the company, and MDS makes an annual revenue of $43.8 million.

On behalf of larger organizations or companies, MDS handles the debt collection process, specifically targeting individuals who supposedly owe a large sum of money. While their modes of contact may feel threatening and intimidating, fighting off their debt collection efforts is possible.

Is Medical Data Systems a Legitimate Company?

The answer to this question is, yes, MDS is a legitimate, real company and not spam.  However, many consumers are led to believe that a scammer or illegitimate company is contacting them. This is because MDS’s modes of communication are often unrelenting, aggressive, intimidating, border on harassment, and come from a variety of phone numbers. 

Although it can feel frightening to receive a phone call, letter, or message from MDS, do not ignore contact. MDS is a real agency, and ignoring their messages will not stop their calls or remove them from your credit report. Take their communications seriously. 

How Do I Know if I’m Being Harassed?

There are a number of select behaviors that qualify as harassment. Any action that’s abusive, threatening, or oppressive is considered harassment and a violation of the FDCPA (Fair Debt Collection Practices Act).
Here are some surefire signs of debt-collection harassment:

  • You’re receiving multiple phone calls a day or week, sometimes in the early morning or late evening.
  • You’re receiving empty threats of a lawsuit, arrest, or even violence.
  • Collectors are calling friends, family, or colleagues and disclosing debt information.
  • Calls are automated robocalls.
  • You feel intimidated or unfairly targeted by MDS or another debt collection company.

Does Medical Data Systems Spam Consumers?

Yes, MDS is known for spamming or incessantly contacting their consumers. Recipients should maintain awareness of the numbers they are calling from or additional contact information. For further clarification, here is the MDS’s current public contact information:

  • Phone Number: (888) 773-2255
  • Website: 
  • Address & Location: 2001 9th Avenue, Suite 312, Vero Beach, Florida 32960

Before responding to any contact from MDS ensure you are well equipped with how to take on their collection efforts. 

Consumer Complaints

It’s evident that Medical Data Systems is not known for their impeccable customer service. The Better Business Bureau (BBB) reports over 148 complaints against MDS in the past three years. 

Additionally, many consumers have accused MDS of inaccurate reporting, false debt accusations, and attempts to collect without validation. Not only this, but reports of abusive, rude, and unfavorable behavior from collectors are rampant. 

What Does Medical Data Systems Collect For?

Medical Data Systems specifically collects for delinquent medical bills, targeting individuals who owe medical organizations large sums of money. The MDS collection process is broken down into three categories:

  • Extended Business Office

This service allows hospitals, clinics, and medical facilities to send billing statements through their system. 

  • Primary Collections

This service confronts delinquencies past 90 days of the initial due date.

  • Secondary Collections

Their secondary collection service goes after bills that are unpaid after initial collection efforts. In addition, this service pursues accounts with wrong numbers, false addresses, and billing errors.

Will This Hurt My Credit?

Inevitably, MDS will appear on your credit report, causing adverse affects to your credit score. This influences your ability to secure loans or other necessary financial services. However, it’s important to note that MDS makes mistakes, and it may be a false report. Consider the following before resorting to panic or making any payments: 

  • Certain debts are acquired through identity theft
  • An individual with a similar name may be the real suspect of debt
  • The debt has been paid in full, but still appears as an open case
  • The debt is over 7 years old, but still appears on your credit report

If you suspect a misreport consulting with a debt collection attorney may be your best option. They can help review your credit report, look for errors, and take on collections you want removed. 

Removing Medical Data Systems from Your Report

You don’t have to confront Medical Data Systems alone. There are actions you can take toward resolution. Proceed with the following steps to remove MDS from your report: 

Review Your Credit Report

Look over your credit report to ensure accurate and correct information. Request a copy of your report from every major credit bureau as they may vary. Different creditors report to different credit bureaus, so it’s important to check all three of your reports. Consider consulting with an attorney to dispute any discrepancies, misprints, or errors you come across.

Work With a Team or Lawyer to Negotiate a Settlement

If it turns out the debt is rightfully yours, you may consider negotiating a settlement amount to pay instead of the full amount. However, even this should be carefully considered before you hand over any money.

In some instances paying off a past-due debt won’t in fact help your credit score. Also, there is a statute of limitations on when debts can be collected or considered actively delinquent. If a debt is about to fall-off your credit report anyways, you may not want to begin making payments as this can start the clock over. A debt collection attorney can advise you on the best option for your particular case. 

Contact an FCRA Attorney Today

If you suspect that Medical Data Systems has falsely accused you of an unpaid debt, you have resources. Or, if you acknowledge an unpaid debt in your credit history, and don’t know how to proceed, seek professional advice. A team of qualified FCRA experts are on standby ready to review your case. The attorneys at Fair Credit are here to support you and answer your questions.

Facing debt collectors is scary and legally complex. We’ll closely assess your situation and provide a viable route for resolution. Contact us to request your free case review today.

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