HRRG on Your Credit Report: The ARS Account Resolution Tradeline

The letter is signed HRRG. The credit report says ARS ACCOUNT RESOLUTION SERVICES. The federal complaint database files the same business under HCFS Healthcare Financial Services of TeamHealth. Three names, three touchpoints, one company: Healthcare Revenue Recovery Group, LLC, a Florida limited liability company collecting emergency-department and hospital-based physician bills. That gap is the practical reason people fail to dispute these accounts, fail to find the company when they go looking, and sometimes challenge a different collector by mistake. A federal court of appeals, in a precedential opinion about this company, revived a claim that the naming practice breaches the true-name provision of the debt collection statute, holding it plausible enough to go forward. This page explains how to work out which account you have, how to route a dispute so the duty with teeth is triggered, and what the Fair Credit Reporting Act lets you recover when it is answered badly. We act for consumers only, nationwide.

Three names, one company

Start with identification, because here it is not background but the obstacle. The company is Healthcare Revenue Recovery Group, LLC, a Florida limited liability company, Doc. No. L04000092223, articles executed December 2004. It appears in Team Health Holdings, Inc. Exhibit 21.1 subsidiary lists from FY2004 through FY2015. Team Health Holdings went private on February 6, 2017 in a transaction with funds affiliated with The Blackstone Group and stopped filing with the SEC, so ownership since then is not publicly documented.

Now the touchpoints. The letter arrives under the initials HRRG. The credit report drops them and reads ARS ACCOUNT RESOLUTION SERVICES. The federal complaint database indexes the business as HCFS Healthcare Financial Services of TeamHealth.

The Consumer Financial Protection Bureau's autocomplete returns nothing for HRRG and nothing for Healthcare Revenue Recovery Group. A near miss makes it worse: a bucket called HealthCare Revenue Recovery, LLC, without the word Group, holds exactly one complaint, from December 2018. Filing there is a dead end.

The bucket that indexes HRRG and ARS complaints holds at least roughly 10,000 in total, but that count covers the whole HCFS and TeamHealth billing operation, not HRRG alone. All of them are consumer allegations. Treat that as approximate and as a floor: the interface caps results at ten thousand. So write all three names on one sheet first, because you cannot dispute an entity you cannot name.

The tradeline says ARS, and there is more than one ARS

This is the one collector here whose reporting name can be sourced three ways. HRRG's own credit-report page tells consumers that by choosing to make a payment on your account, ARS Account Resolution Services will be able to update the reported account balance to the three major Credit Bureaus. Its Third Circuit appeal is captioned Healthcare Revenue Recovery Group LLC, a/k/a ARS Account Resolution Services. Dozens of complaint narratives from 2015 to 2024 quote the tradeline as consumers found it.

Read it as a family of strings all the same, because rendering varies by bureau and vintage: ARS ACCOUNT RESOLUTION, ARS ACCOUNT RESOLUTION S, ARS ACCOUNT RESOLUTIONS. Two reports abbreviating differently do not mean two accounts.

Now the warning. ARS National Services, Inc. is an unrelated collector that also goes by ARS, and HRRG has leaned on the collision, telling a reviewer on its Better Business Bureau file that several abbreviations of ARS are in use, one belonging to a firm unrelated to it, and more than one collector with similar initials works this same medical-billing field, so pages about them surface interchangeably in search results. Named once so you can rule it out, ARstrat is a separate company again.

Three checks settle which one you have. The debt: HRRG collects emergency-department and hospital-based physician billing, so an emergency-room balance points hard at HRRG. The contact details: the Sunrise, Florida address and the 800-984-9115 line are HRRG's. The reference: match the number on the letter against the account fragment on the tradeline. Get it wrong and the agency spends its thirty days answering the wrong question while the entry survives.

Levins and the name on the voicemail

The naming question has been litigated to a published appellate holding about this company: Levins v. Healthcare Revenue Recovery Group, LLC, Third Circuit No. 17-3330, decided August 22, 2018, PRECEDENTIAL. On the facts as pleaded and recited by the court, HRRG created the ARS Account Resolution Services division in 2009 for severely delinquent accounts. It identified itself as HRRG in three letters and five voicemails, then, after transferring the account to ARS in November 2015, left voicemails saying only that ARS was calling.

The court vacated dismissal of the true-name claim under 15 U.S.C. 1692e(14) and affirmed dismissal of the 1692d(6) and 1692e(10) claims, adopting the view that a collector may use its full business name, the name under which it usually transacts business, or a commonly-used acronym, and finding ARS did not meet it.

What followed is often described wrongly. On remand, summary judgment was denied to HRRG on June 12, 2020, because the evidence that it had not consistently used the name ARS created a jury question; a denial is not a finding of liability. On January 26, 2023 the amended complaint was dismissed without prejudice for lack of Article III standing under TransUnion LLC v. Ramirez. So HRRG won on standing, not on the merits: that dismissal says nothing about whether the conduct was lawful, and the appellate true-name holding stands.

Nor is Levins isolated. A federal case index capped at one hundred results returns a full hundred suits naming the company between November 2020 and January 2026. Fair Debt Collection Practices Act claims dominate the entries sampled, and all of them are allegations.

Call conduct is governed by its own rules, and what follows is the law, not an allegation about this company. On the complaint narratives naming HRRG, communication tactics is the largest single category, but those are consumer allegations. 15 U.S.C. 1692c(a)(1) confines calls to the hours between 8:00 a.m. and 9:00 p.m. in the consumer's own time zone. 1692c(a)(3) bars calls to your workplace once the collector knows or has reason to know your employer prohibits them, which ordinarily means you have to tell it so, and that condition is what most pages omit. Under 12 C.F.R. 1006.14(b)(2)(i), Regulation F presumes harassment where a collector calls more than seven times in seven consecutive days about one debt, or within seven days of a telephone conversation about it; the presumption is rebuttable.

Emergency room billing and how the account got here

HRRG collects emergency-department and hospital-based physician billing, an error-prone slice of medical debt. The physicians who treat you in an emergency room commonly bill separately from the hospital itself, which is why HRRG's book is physician billing rather than facility billing. Two bills, and paying one settles nothing about the other.

A recurring complaint theme is an insurance failure rather than a refusal to pay: consumers allege the wrong plan was billed at the time of service, and HRRG runs a page on that scenario offering to re-file such accounts. A balance can therefore be furnished before anyone confirmed the correct payer was asked. Consumers allege balances of roughly $600 to $2,400, clustering around $700 to $1,600, a single physician charge rather than a hospital admission.

How long the entry may stay is fixed by statute, and this is what the date of first delinquency controls. Under 15 U.S.C. 1681c(a)(4) an account placed for collection may be reported for seven years plus 180 days, measured from the date of first delinquency on the account that led to the collection. That original delinquency is the anchor and nothing later moves it: paying the balance does not restart the clock, and neither does the account passing from one agency to another. Note also what the period is not. It governs how long the entry may appear, not how long the debt may be sued on, which is a separate question of state law.

Two voluntary industry changes have thinned entries like these. From July 1, 2022 the nationwide agencies stopped showing paid medical collections and lengthened the wait before an unpaid one may appear from 180 days to one year. From April 11, 2023 they dropped those with an initial balance under $500, removing roughly seventy percent of such tradelines. Both were announced March 18, 2022 and both are voluntary practice, not law. Note the word initial: that test looks at the balance the account carried when it was placed, and the $700 to $1,600 emergency-physician balances described above sit just the wrong side of the line. What survives matters, because a collection is a major derogatory entry, and how much it costs you depends on what else is on the file and how recent the entry is. Anyone quoting you a point figure is guessing.

Do not wait for a regulation either. The Bureau's medical-debt rule was vacated in its entirety on July 11, 2025 in Cornerstone Credit Union League v. CFPB. Our overview of the FCRA and medical debt in 2026 sets out where the law stands, and 15 U.S.C. 1681b(g) and 1681c(a)(6) limit medical information separately.

Where to reach HRRG and what to ask for

Use the published channels, but know what each can accomplish.

• Headquarters: 1643 N. Harrison Parkway, Building H, Suite 100, Sunrise, FL 33323.
• Second office: 8690 Wolff Court, Suite 110, Westminster, CO 80031.
• Telephone: 800-984-9115 English; 800-398-3975 Spanish; 855-729-4774 automated payments.
• Hours: Monday to Friday, 8:00 a.m. to 8:00 p.m. Eastern.
• Email: requests@hrrgcx.com.
• Payment lockbox: P.O. Box 5406, Cincinnati, OH 45273. A payment address only, not a dispute address.
• Licensing disclosed: Nevada CAD 11823, NMLS 960124, Florida OFR CCA0900844. Status could not be independently verified, so read these as disclosed rather than confirmed.

Ask in writing for what decides whether the balance is right: the itemised statement showing date of service, treating provider and each charge; the original creditor as distinct from the facility; the insurance billing history, meaning which payer was billed and what came back; the date of first delinquency being furnished; and which agencies hold the account. If the letter is recent, 15 U.S.C. 1692g gives you thirty days to dispute in writing and require verification, which pauses collection. Note what it does not do: 1692g sets no deadline for the collector and requires no deletion, so a failure to produce documents within thirty days stops collection but does not by itself remove the entry.

Two further rights govern contact rather than accuracy. Tell HRRG in writing to stop communicating with you and 15 U.S.C. 1692c(c) requires it to stop, except to confirm that it is stopping or to state that a specific remedy will be invoked. Know the limits: that notice does not dispute the debt, does not stop the furnishing, and does not stop a suit. And under 1692c(a)(2), once a collector knows you are represented on an account, it must deal with your counsel rather than with you.

Now the limitation that shapes the rest of this page. HRRG publishes no designated address for direct disputes under 15 U.S.C. 1681s-2(a)(8). Its own credit-report page routes consumers to the three nationwide agencies or to its telephone lines, and the only postal address it publishes is the Cincinnati lockbox, which takes money rather than correspondence.

Two consequences follow. A telephone call is not a written direct dispute, so ringing 800-984-9115 perfects nothing even if the person agrees with you. And under 12 C.F.R. 1022.43(c), where none is designated, a direct dispute may go to any address at which the furnisher does business, which here means Sunrise. Worth the stamp because it dates your notice; not worth relying on, because the enforceable route runs through the bureaus.

The barcode settlement, and what an A plus rating does not tell you

People ask why a company holding an A plus grade is generating the mail in front of them. That grade measures something else.

Morales v. Healthcare Revenue Recovery Group, LLC, District of New Jersey No. 2:15-cv-08401-JBC, was a class action alleging that HRRG collection letters carried a visible barcode which a smartphone could scan to reveal an internal reference number and the first ten characters of the recipient's street address.

It settled. The fund was $500,000 for 49,121 class members, an estimated $10.15 each after costs of administration, with the Final Approval Order entered on August 27, 2025. HRRG denies wrongdoing and the settlement carries no admission of liability. A settled class action is a resolved allegation, not a judicial finding, and ten dollars is not compensation for a misreported account.

Against that, the Better Business Bureau record. Alongside the A plus sit 150 complaints closed in three years and an average review score of 1 out of 5 across 9 reviews. Both are true at once: that grade largely reflects responsiveness, and it is a trade-association letter, not a regulator finding.

We went looking for regulator findings and located none. As of July 2026 the searchable record shows no Consumer Financial Protection Bureau action against HRRG, ARS or HCFS, no Federal Trade Commission action, and no state action, licence revocation or bonding problem. We found no reported data breach either. That is what the searchable record shows, not a clean bill of health.

The bureau dispute and the duty it triggers

Only one route carries a duty a consumer can personally enforce. Dispute with Equifax, Experian and TransUnion under 15 U.S.C. 1681i. Each must reinvestigate free of charge, ordinarily within thirty days, and forward the relevant information you supplied to the furnisher. That notice is the trigger: it brings 15 U.S.C. 1681s-2(b) into operation, obliging the furnisher to investigate and to correct, delete or permanently block anything inaccurate, incomplete or unverifiable with every agency it reported to.

Why that step cannot be skipped is statutory. The general accuracy obligation at 15 U.S.C. 1681s-2(a) is not privately enforceable by consumers. Beside the missing dispute address the position is stark: the letter to Sunrise builds the record, the letters to the agencies build the case.

Write the dispute against the name printed on the report, not the name on the envelope: identify the entry as ARS ACCOUNT RESOLUTION SERVICES, or whichever variant your report shows, quote the account fragment as printed, and add that it is furnished by Healthcare Revenue Recovery Group, LLC, which also uses the initials HRRG. A dispute naming only HRRG invites a reply that no such tradeline exists, and that reply will be technically correct.

Then set out the inaccuracy arithmetically: date of service, the payer that should have been billed, whether the claim went out at all, the balance shown, the date of first delinquency shown. Attach the explanation of benefits, the insurance card in force that day, and proof of payment. If the visit was never yours, use the identity-theft block at 15 U.S.C. 1681c-2. Our credit dispute letter guide sets out the structure.

One duty belongs to collectors alone. Under 15 U.S.C. 1692e(8), a collector that knows a debt is disputed and reports credit information about it without disclosing the dispute has violated the Fair Debt Collection Practices Act. Send everything certified, then pull all three reports again to confirm the correction propagated. All three files are free at AnnualCreditReport.com, the federal source; search each one for ARS ACCOUNT RESOLUTION and its variants.

Damages, deadlines, and no fee unless we win

The statute attaches numbers to a bad answer to a properly routed dispute. Under 15 U.S.C. 1681o, negligent noncompliance supports actual damages plus attorney's fees and costs. Under 15 U.S.C. 1681n, willful noncompliance supports statutory damages of $100 to $1,000 per violation, punitive damages where the conduct warrants them, and fees and costs again. Willfulness reaches reckless disregard, not only deliberate wrongdoing: a furnisher sent an explanation of benefits showing the correct payer settled the claim, and reverifying the balance anyway, is the ordinary illustration.

Actual damage from a medical collection is often easier to evidence than people expect, because the account is small and the consequence out of all proportion to it. A mortgage declined or repriced over an $850 emergency-room balance. A tenancy refused. A card limit cut. Courts recognise emotional harm too, and being pursued in a name you cannot match to anything you recognise carries its own weight.

Keep the causation chain tight, and remember what Levins teaches about standing: identify the concrete consequence, obtain the adverse action notice in writing, and note its date. A violation described in the abstract is the weakest version of an otherwise good case.

On timing, 15 U.S.C. 1681p generally requires suit within two years of discovering the violation and never more than five years after it occurred. That clock runs from discovery, which on a misnamed tradeline is often the day you worked out who ARS was, so do not let dispute cycles repeat indefinitely while it runs. Waiting is not neutral. While you wait the tradeline keeps being furnished for the whole 1681c(a)(4) period; the thirty-day window that 15 U.S.C. 1692g opens on a recent collection letter closes and does not reopen; and every further round of dispute and reverification spends part of the two years the statute allows. Because the statute shifts fees to the defendant when a consumer prevails, this work needs no money up front: no fee unless we win.

How The Kim Law Firm handles HRRG problems

We act for consumers across the country, and only for consumers, never for hospitals, physician groups, collection agencies or credit bureaus. The HRRG matters that turn into cases here look like this: an ARS ACCOUNT RESOLUTION SERVICES entry for an emergency-room visit insurance should have covered; a balance still furnished after the correct payer paid; a date of first delinquency that moved forward and held the entry beyond seven years; an entry reporting with no notation that you disputed it; or an emergency-room visit that was never yours.

We cannot assist with removing accurate negative information. If the bill was yours, the insurance genuinely did not cover it, and the entry records that correctly, no lawyer may lawfully delete it, and we would rather say so on the first call than after a retainer. A grievance about the size of the physician charge, or about how the emergency department was staffed, is not a Fair Credit Reporting Act matter. This statute governs the accuracy of what is reported about you, and inaccuracy is what makes a case here.

Where a dispute routed properly through the agencies left an error standing, damages, fees and costs may follow. The first conversation is free. Bring all three reports and the letter, because the two names on those documents are the first thing we compare. Bring also the itemised statement showing date of service, treating provider and each charge, the explanation of benefits, the insurance card in force that day, proof of any payment, the insurance billing history, the date of first delinquency, and the agencies' reinvestigation responses. Once you instruct us, 1692c(a)(2) requires the collector to deal with us instead of with you.

Our FCRA lawyer guide explains how a case proceeds, and the credit reporting errors overview covers the patterns we see most often. Other agencies working this field appear on our medical debt collectors page. When you are ready, contact us for a free review.

Frequently asked questions

Why does my credit report say ARS Account Resolution Services instead of HRRG?

Because that is the name the company furnishes under. Healthcare Revenue Recovery Group, LLC created the ARS Account Resolution Services division in 2009, and its own credit-report page tells consumers that if you make a payment, ARS Account Resolution Services will be able to update the reported account balance to the three major credit bureaus. A federal appellate caption records the same alias. Rendering varies by bureau, so you may see it truncated or pluralised. Dispute against the name printed on your report, and identify HRRG as the furnisher behind it.

Why does HRRG keep calling me, and can I make it stop?

Federal law sets the limits. Under 15 U.S.C. 1692c(a)(1) a collector may call only between 8:00 a.m. and 9:00 p.m. in your time zone, and under Regulation F it is presumed to be harassing you if it calls more than seven times in seven consecutive days about one debt, or calls within seven days of a telephone conversation about it. To stop contact, tell the collector in writing; 1692c(c) then requires it to stop, except to confirm it is stopping or to state that a specific remedy will be invoked. If a lawyer represents you on the account, 1692c(a)(2) requires the collector to deal with counsel.

Is HRRG the same company as ARS National Services?

No. ARS National Services, Inc. is an unrelated collection company that also abbreviates to ARS, and HRRG has itself pointed out on its Better Business Bureau file that more than one business uses those initials. Tell them apart by the underlying debt, since HRRG collects emergency-department and hospital-based physician bills, and by the contact details, since the Sunrise, Florida address and the 800-984-9115 line belong to HRRG. Disputing the wrong entity burns the thirty-day reinvestigation window.

How long will an ARS Account Resolution Services collection stay on my report?

Generally seven years plus 180 days, measured from the date of first delinquency on the account that led to the collection. That is the outer limit set by 15 U.S.C. 1681c(a)(4), and it is anchored to that original delinquency date, so paying the balance does not restart it and neither does the account moving from one agency to another. Two further points. The reporting period is not the statute of limitations on the debt, which is a separate question of state law. And a date of first delinquency that has been moved forward is itself an inaccuracy you can dispute.

Where do I send an HRRG dispute?

HRRG publishes no designated address for direct disputes, and its own credit-report page routes consumers to the three nationwide agencies instead. The only postal address it gives out is the payment lockbox at P.O. Box 5406, Cincinnati, OH 45273, which is for payments and not disputes. A phone call is not a written direct dispute. Under 12 C.F.R. 1022.43(c) you may write to any address at which the furnisher does business, so a letter to Sunrise builds a record, but the dispute carrying legal force goes to Equifax, Experian and TransUnion.

Distance is not an obstacle. The Kim Law Firm represents consumers nationwide in Fair Credit Reporting Act matters, working from our offices in Philadelphia, Pennsylvania. If an ARS Account Resolution Services entry sits on your report for an emergency-room bill insurance should have covered, or you disputed one and it came back verified with no explanation, we would like to hear from you.