Is Payment Resolution Services, LLC on Your Credit Report?
Short answer: Payment Resolution Services, LLC (Payment Resolution Services, LLC) is a real, legitimate medical debt collector based in Brentwood, TN. It is not a scam — but a legitimate collector can still report a debt that is inaccurate, unverified, past the statute of limitations, or not even yours. You have the right to demand proof before you pay a cent.
Who Is Payment Resolution Services, LLC?
Payment Resolution Services, LLC is a medical debt collector that pursues unpaid healthcare balances on behalf of providers, headquartered in Brentwood, TN. It is licensed to operate as a debt collection agency in New York City under license number 1428231-DCA, a public record maintained by the New York City Department of Consumer Affairs (predecessor to DCWP).
You may also see this company on your report or in letters as: Payment Resolution Services, LLC.
What most people don't know about Payment Resolution Services, LLC:
Payment Resolution Services, LLC holds an active New York City debt-collection license (No. 1428231-DCA) on file with the New York City Department of Consumer Affairs (predecessor to DCWP), listing its address of record in Brentwood, TN. That license status is a verifiable starting point: if a caller claims to represent Payment Resolution Services, LLC but cannot confirm this license or provide written validation of the specific debt, that is a red flag worth documenting before you pay anything.
Why Is Payment Resolution Services, LLC on My Credit Report?
Payment Resolution Services, LLC typically collects out-of-network medical claims, balance-billing disputes. A collection like this usually lands on your report because:
- ✅ An original account (a out-of-network medical claims, for example) went unpaid and was charged off.
- ✅ The account was placed with Payment Resolution Services, LLC to collect on behalf of the original creditor.
- ✅ Payment Resolution Services, LLC furnished the account to one or more of the three credit bureaus (Equifax, Experian, TransUnion).
Important: a collection account on its own does not prove you owe the debt or that the amount is correct. That's where your rights come in.
Your Rights When Payment Resolution Services, LLC Contacts You
Federal law — the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) — gives you powerful tools. Here is the playbook we use at Crowned Credit.
1. Debt Validation (FDCPA §809)
Within 30 days of first contact, send Payment Resolution Services, LLC a written debt-validation letter. They must prove the debt is yours, the amount is correct, and they have the legal right to collect. If they can't, they must stop collecting and it should come off your report.
2. Dispute With the Bureaus (FCRA §611)
You can dispute the Payment Resolution Services, LLC tradeline directly with Equifax, Experian, and TransUnion. The bureaus have 30 days to investigate. If the account can't be verified, the law requires it be deleted or corrected.
3. Cease-and-Desist
You can demand in writing that Payment Resolution Services, LLC stop contacting you. They can still report and sue, but they must stop calls and letters — useful for stopping harassment while you build your case.
4. Pay-for-Delete (in writing only)
If the debt is valid and yours, you may negotiate to pay in exchange for deletion of the tradeline. Never pay on a verbal promise — get the pay-for-delete agreement in writing first.
5. Statute of Limitations
Every state has a time limit on how long a collector can sue you for a debt. If the debt is "time-barred," Payment Resolution Services, LLC can still ask for payment but generally cannot win a lawsuit — and making a payment can dangerously restart the clock.
6. Protection From Harassment
The FDCPA bars Payment Resolution Services, LLC from calling at unreasonable hours, threatening you, or lying. Every violation is potential leverage — and may entitle you to damages.
How Crowned Credit Helps With Payment Resolution Services, LLC
We don't send cookie-cutter form letters. We investigate the specific account, assert every applicable right, and work it with all three bureaus and the collector directly.
Review & Validate
We pull all three bureau reports, find every error on the Payment Resolution Services, LLC entry, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and the collector. When they fail to investigate properly, we escalate to the CFPB and, where warranted, attorneys.
Track & Build
We monitor deletions in real time and coach you on rebuilding once inaccurate items are addressed.
See our transparent pricing — no long-term contracts.
Payment Resolution Services, LLC — Frequently Asked Questions
Is Payment Resolution Services, LLC a scam or a legitimate company?
Payment Resolution Services, LLC is a real, registered medical debt collector headquartered in Brentwood, TN. It is a legitimate business — but "legitimate company" does not mean the specific debt it's reporting is accurate, validated, or even yours. Scammers do sometimes impersonate well-known collectors like Payment Resolution Services, LLC, so always demand written validation before paying anything.
Why is Payment Resolution Services, LLC on my credit report?
Payment Resolution Services, LLC is a medical debt collector that pursues unpaid healthcare balances on behalf of providers, headquartered in Brentwood, TN. It is licensed to operate as a debt collection agency in New York City under license number 1428231-DCA, a public record maintained by the New York City Department of Consumer Affairs (predecessor to DCWP). It most commonly collects out-of-network medical claims, balance-billing disputes. It likely appeared after an original account went unpaid and was placed with them for collection. Payment Resolution Services, LLC holds an active New York City debt-collection license (No. 1428231-DCA) on file with the New York City Department of Consumer Affairs (predecessor to DCWP), listing its address of record in Brentwood, TN. That license status is a verifiable starting point: if a caller claims to represent Payment Resolution Services, LLC but cannot confirm this license or provide written validation of the specific debt, that is a red flag worth documenting before you pay anything.
Can Payment Resolution Services, LLC be removed from my credit report?
Yes — inaccurate, unverifiable, or improperly reported Payment Resolution Services, LLC collection accounts can be removed. Under the FCRA, the credit bureaus must investigate your dispute, and if Payment Resolution Services, LLC cannot verify the debt, it must come off your report. Crowned Credit reviews the account for errors, demands debt validation, and disputes it with all three bureaus.
Should I pay Payment Resolution Services, LLC or dispute it first?
Do not pay before you validate. Once you confirm a collection is yours, accurate, and within the statute of limitations, you may consider a pay-for-delete agreement in writing. But paying an unverified or time-barred debt can restart the clock and lock in a negative entry. Get a free assessment before you send any money to Payment Resolution Services, LLC.
How long can Payment Resolution Services, LLC report this debt?
Most negative collection accounts can remain on your credit report for up to seven years from the original delinquency date — not from when Payment Resolution Services, LLC acquired or began collecting it. If the account is being "re-aged" to look newer, that is a reporting violation you can dispute.
Will Payment Resolution Services, LLC sue me?
Some collectors and debt buyers do file lawsuits, especially before the statute of limitations expires. If you are served, do not ignore it. Validate the debt, check whether it is time-barred in your state, and get help. Most third-party agencies focus on collection rather than litigation, but you should still respond to any legal notice.
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