In late XXXX of 2015 I received a letter from CMRE Financial Services regarding a delinquent medical account that I was unaware of. In early XXXX 2015 I made a payment in full to CMRE to satisfy the delinquent account. One week later, without having received any warning, a delinquency was noted on my credit report by CMRE. I made a phone call to CMRE, the first time I have ever talked to anyone at that company about this account, where a woman stated that they had been trying to contact me since XXXX 2015 and that is why they put the delinquency on my credit report, even though it had been paid. 

Since no one from CMRE made any attempt to contact me, I was never informed of any possibility of a deragatory mark on my credit report, and the fact that this balance was paid prior to CMRE reporting the derogatory mark, not only is this unfair but it is a clear violation of the law and my rights. 
