How to Remove Capio Partners from Your Credit Report

By Lauren Bringle
Published on: 07/19/2021

Like any other debt, medical debt can affect your credit score if you fail to pay it.

Credit bureaus, also known as credit reporting agencies, employ a 180-day waiting period before adding medical debt to your credit history.[1] This is different from other debt such as credit card balances, which may appear on your credit report after 30 days.

Still, left too long, medical debt can hurt your credit score. If past-due payments are reported to the three major credit bureaus (Equifax, Experian and TransUnion), your credit score can suffer.

Longstanding medical debt also could result in unwanted phone calls from debt collectors. Capio Partners is one debt collection agency specializing in uncollected medical debt. Sometimes the claims pursued by collection agencies are inaccurate or false.

If your credit report has been damaged by medical debt, there are several steps you can take to try and remove erroneous items pursued by Capio Partners from your credit report.

What is Capio Partners?

Capio Partners, LLC, is a third-party debt collection agency founded in 2008 and based in Sherman, Texas.[2] It buys uncollected medical debt specifically from healthcare providers and attempts to collect the amounts it believes are owed.

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Capio’s contact information is as follows:

  • Mailing Address: 2222 Texoma Pkwy., Ste. 150, Sherman, TX 75090
  • HQ Address: 1745 N. Brown Road, Ste. 450, Lawrenceville, GA 30043
  • Phone number: (678) 682-3680 or (903) 892-7400
  • Website:

The company’s website describes its mission like this: “We purchase aged healthcare receivables at any point in your revenue cycle.”[3] This means that if Capio Partners buys unpaid debt from the medical provider, you no longer owe that healthcare provider; you owe Capio Partners instead.

This kind of agreement between a medical provider and a debt collector typically happens after the provider gives up trying to collect the debt, resulting in what’s known as a charge-off. The provider then sells past-due healthcare accounts to a debt collection company such as Capio.

If you have unpaid medical bills, you might anticipate hearing from Capio Partners, as the company is known for being one of the largest healthcare debt purchasers in America.[4]

Is Capio Partners a legitimate business?

Capio Partners is not a scam; it is a real business. However, it is not accredited by the Better Business Bureau, which has received numerous complaints regarding the company.[5]

In fact, the BBB has received so many complaints against Capio that its website includes the following disclaimer: “Due to the volume of complaints filed against this business, BBB only publishes the details for 30% of the total complaints filed.”[5]

Capio Partners is a limited liability company (LLC), which means that the company’s owners are not personally liable for the company’s debts or liabilities.[6]

Although it is based in Texas and has offices in Duluth, Georgia, it is also statewide in Florida. According to the company’s profile on Dun & Bradstreet, Capio Partners had 14 total employees as of May 2021 and generated $1.69 million in sales.[7]

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How to remove Capio Partners from your credit report

Depending on your situation, you can use a few different methods to try removing a collections account or erroneous debt from your credit report, including medical debt from Capio Partners:

Communicate in writing

All communication should be done in writing, especially if an agreement of some sort was made. Written proof for your records also might be necessary in case something needs to be proven in court.

Do not make agreements over the phone with a debt collector. They can use verbal agreements against you if they have the means to record the phone conversation.[8]

The Consumer Financial Protection Bureau (CFPB) offers a list of five sample letters you can send to address different circumstances with debt collectors.[9]

Write a goodwill letter

A goodwill letter is an attempt to persuade a debt collector to stop reporting on a paid-off debt because of an unusual circumstance (think disaster or family emergency) that caused you to mistakenly miss or make a late payment.

If this was an unusual occurrence and you’re rarely late making payments, you can pay the outstanding amount, then request a goodwill deletion via a letter to the creditor.

Be polite, concise and clear on what you’re asking and why. Try to include a convincing explanation for why your original debt was unpaid. Explain how the credit blemish may negatively affect your credit standing.

Request debt validation and dispute inaccuracies

If you receive a notice of a debt you still owe, make sure you write a debt validation letter. This is a standard letter you write to a debt collector asking them to send proof that you actually owe money. It also can help verify whether the debt amount and other details are correct.

The debt collector is responsible for providing you with this information request under the Fair Debt Collection Practices Act (FDCPA). Make sure to send the letter within 30 days of receiving your first notice from the collector.[10]

Once Capio Partners returns with the information you requested, look over it carefully and copy down any errors you see. If there’s information that’s incorrect (for instance, the debt amount is much higher than you remember, it belongs to someone else, or it’s outdated), then it’s more likely the collector cannot prove that you owe money.

Then you’ll have a good chance of disputing the debt, getting the inaccurate item removed and fixing the error on your credit reports. File a dispute with the three major credit bureaus and ask them to remove the inaccurate item from your credit report.

Negotiate a pay for delete

Once you’ve received notice of the debt you owe, you can negotiate a pay for delete, asking Capio Partners to remove the debt from your credit reports in exchange for you paying off the agreed upon debt amount.

Through this method, you would request a pay for delete, in writing, asking Capio Partners to accept the payment amount you are able, or willing, to pay to have the debt removed.

Complaints against Capio Partners

A total of 496 complaints have been filed against Capio Partners with the Better Business Bureau within the past three years. These complaints are mainly due to inaccurate reporting or non-responses for debt verification requests.[5] You should be aware of this if you are contacted by Capio Partners.

Throughout the entire debt collection process, it’s important that you know your rights.

Your rights under the Fair Debt Collection Practices Act

Under the Fair Debt Collection Practices Act, you have the right to:

  • communicate with the collection agency about issues around the debt collection;
  • protect yourself from harassment or abuse, false or misleading representations; and other unfair practices; and
  • validate the accuracy of debts attributed to you.

Details about each of these aspects of the collection process can be found below. For further information, you can consult the full published text of the Fair Debt Collection Practices Act.[11]

Communication practices

A debt collector such as Capio Partners collection is not allowed to communicate with you about the collection of any debt:

  • at unusual times or places;
  • if the debt collector knows you’re represented by an attorney; or
  • at your place of employment.

Harassment or abuse

A debt collector may not engage in conduct that is used to harass, oppress, or abuse you in connection with the collection of a debt, such as:

  • threatening or violent acts to you, your reputation or property;
  • using obscene language;
  • publishing your name on a list of people who allegedly refuse to pay debts; or
  • harassing you by continually calling without disclosing meaningful details.

False or misleading representations

A debt collector is not allowed to use false or misleading representations in connection with a collection of any debt. The collector can’t:

  • falsely claim to be affiliated with a different collection agency;
  • falsely represent the nature or status of the debt or the services they render;
  • falsely claim to be an attorney, working alone or for a law firm;
  • falsely claim that you have committed a crime;
  • use deceptive means to obtain information about you or collect any debt; or
  • threaten to take any action that is not intended (such as to file suit or garnish your wages) or that can’t legally be taken.

Unfair practices

A debt collector is not allowed to use unfair means to collect any debt. For example, they can’t collect any amount — such as interest or a fee — that’s not expressly authorized by the agreement creating the debt.

They also can’t conceal the purpose of their communication and then charge you for such things as collect phone calls or telegram fees.

Collectors can’t solicit a postdated check for the purpose of threatening or instituting criminal prosecution. They can’t deposit any postdated check before the date indicated. They can’t even accept a check that’s postdated more than five days, unless they notify you in writing of their intent to deposit it between three and 10 days before doing so.

Validation of debts

Upon your request for validation, a debt collector is required to send you a written notice containing the following:

  • Amount of the debt owed
  • Name and contact information of the creditor to whom the debt is owed
  • A statement that the debt is valid (unless you have disputed the validity of the debt within 30 days of the notice)

If you plan to dispute a debt, notify the debt collector in writing within the 30-day period. In response to your written request, the agency must cease collection efforts while they obtain verification of the debt. They also have to collect the name and address of the original creditor and mail it to you.

If you’re carrying medical debt, paying it off can feel like an uphill battle, especially when professional debt collectors get involved. But it can be a relief to know you have rights to protect yourself from harassment by Capio Partners or any other third-party debt collection agency.

To address your medical debt and protect your credit from inaccurate or unfair collections, start by accessing your annual free credit report from the three primary credit reporting bureaus.


  1. Equifax. “Can Medical Debt Impact Credit Scores?” Accessed July 21, 2021.
  2. Better Business Bureau. “Capio Partners, LLC,” Accessed May 26, 2021.
  3. Capio. “What We Do,” Accessed May 26, 2021.
  4. “How to Remove Capio Partners From Your Credit Report,” Accessed May 26, 2021.
  5. Better Business Bureau. “Capio Partners, LLC: Complaints,” Accessed May 26, 2021.
  6. Investopedia. “Limited Liability Company (LLC),” Accessed May 26, 2021.
  7. Dun & Bradstreet. “Capio Partners, LLC,” Accessed May 26, 2021.
  8. Federal Trade Commission. “Fair Debt Collection Practices Act,” Accessed May 26, 2021.
  9. Consumer Financial Protection Bureau. “Debt collection,” Accessed May 26, 2021.
  10. Federal Trade Commission. “Fair Debt Collection Practices Act,” Accessed May 26, 2021.
  11. Federal Trade Commission. “Fair Debt Collection Practices Act,” Accessed May 26, 2021.

About the Author

Lauren Bringle is an Accredited Financial Counselor® for Self Financial - a financial technology company with a mission to help people build credit and savings. See Lauren on Linkedin and Twitter.

Editorial Policy

Our goal at Self is to provide readers with current and unbiased information on credit, financial health, and related topics. This content is based on research and other related articles from trusted sources. All content at Self is written by experienced contributors in the finance industry and reviewed by an accredited person(s).

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Written on July 19, 2021
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Disclaimer: Self is not providing financial advice. The content presented does not reflect the view of the Issuing Banks and is presented for general education and informational purposes only. Please consult with a qualified professional for financial advice.

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