Is PSS Patient Solution Services, LLC on Your Credit Report?
Short answer: PSS Patient Solution Services, LLC (PSS Patient Solution Services) is a real, legitimate medical debt collector based in Frisco, TX. 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 PSS Patient Solution Services, LLC?
Seeing PSS Patient Solution Services, LLC on a credit report or in a voicemail usually means a balance was placed with an outside collector. PSS Patient Solution Services, LLC collects medical account balances on behalf of hospitals, physician groups and health systems. Medical billing errors, insurance-adjustment timing and coding mistakes make these balances unusually prone to dispute. Under the FDCPA you can demand written validation of the debt, and under the FCRA you can dispute how it is reported.
You may also see this company on your report or in letters as: PSS Patient Solution Services.
What most people don't know about PSS Patient Solution Services:
PSS Patient Solution Services, LLC appears on the West Virginia State Tax Department's Collection Agency Master List, a public registry of entities authorized to collect debts owed by West Virginia consumers, which lists its address of record as 7624 Warren Pkwy, Frisco, Texas 75034-4158.
Why Is PSS Patient Solution Services on My Credit Report?
PSS Patient Solution Services, LLC typically collects hospital bills, physician group balances, emergency department accounts. A collection like this usually lands on your report because:
- ✅ An original account (a hospital bills, for example) went unpaid and was charged off.
- ✅ The account was placed with PSS Patient Solution Services, LLC to collect on behalf of the original creditor.
- ✅ PSS Patient Solution 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 PSS Patient Solution Services 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 PSS Patient Solution Services 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 PSS Patient Solution Services 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 PSS Patient Solution Services 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," PSS Patient Solution Services 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 PSS Patient Solution Services 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 PSS Patient Solution Services
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 PSS Patient Solution Services 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.
PSS Patient Solution Services, LLC — Frequently Asked Questions
Is PSS Patient Solution Services, LLC a scam or a legitimate company?
PSS Patient Solution Services, LLC is a real, registered medical debt collector headquartered in Frisco, TX. 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 PSS Patient Solution Services, so always demand written validation before paying anything.
Why is PSS Patient Solution Services, LLC on my credit report?
Seeing PSS Patient Solution Services, LLC on a credit report or in a voicemail usually means a balance was placed with an outside collector. PSS Patient Solution Services, LLC collects medical account balances on behalf of hospitals, physician groups and health systems. Medical billing errors, insurance-adjustment timing and coding mistakes make these balances unusually prone to dispute. Under the FDCPA you can demand written validation of the debt, and under the FCRA you can dispute how it is reported. It most commonly collects hospital bills, physician group balances, emergency department accounts. It likely appeared after an original account went unpaid and was placed with them for collection. PSS Patient Solution Services, LLC appears on the West Virginia State Tax Department's Collection Agency Master List, a public registry of entities authorized to collect debts owed by West Virginia consumers, which lists its address of record as 7624 Warren Pkwy, Frisco, Texas 75034-4158.
Can PSS Patient Solution Services, LLC be removed from my credit report?
Yes — inaccurate, unverifiable, or improperly reported PSS Patient Solution Services collection accounts can be removed. Under the FCRA, the credit bureaus must investigate your dispute, and if PSS Patient Solution 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 PSS Patient Solution 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 PSS Patient Solution Services.
How long can PSS Patient Solution 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 PSS Patient Solution 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 PSS Patient Solution 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.
Other Collection Agencies on Your Report?
Local to North Carolina? We help residents statewide:
Ready to Improve Your Credit Score?
Take the first step towards financial freedom today. Schedule your free consultation with our credit repair experts.