SHERLOQ Solutions has operated in healthcare revenue cycle management for over a century. Their confirmed clients include Tampa General Hospital and Tallahassee Memorial Healthcare, and they describe a ten-plus year relationship with Tallahassee Memorial on their own website.
SHERLOQ also appears on credit reports and correspondence as Sherloq Revenue Solutions and Sherloq Financial. All three names belong to the same Tampa, Florida company. This guide covers who they are and how to respond if they appear on your credit report.
Who Is SHERLOQ Solutions?
SHERLOQ Solutions is a healthcare and utility debt collection agency with over 100 years of operating history, headquartered in Tampa, Florida with a call center in Traverse City, Michigan. They collect medical bills and utility balances and also handle insurance denial recovery and pre-service collections for hospital clients.
Confirmed healthcare clients named on their website include Tampa General Hospital and Tallahassee Memorial Healthcare. SHERLOQ uses AI to analyze agent calls in real time for compliance with client policies.
Their complaint footprint is relatively thin compared to most collection agencies. Florida-based collectors must comply with both the federal FDCPA and the Florida Consumer Collection Practices Act (FCCPA), which provides broader consumer protections than the federal statute alone.
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Three Names on Credit Reports
SHERLOQ Solutions appears on credit reports and collection letters under three names: SHERLOQ Solutions, Sherloq Revenue Solutions, and Sherloq Financial. If you see any of these names on your report and do not recognize the underlying provider, pull the full account details before assuming the entry is fraudulent.
Search all three credit reports for all three name variants to confirm you are addressing every instance of the same account.
Florida Consumer Collection Practices Act
Because SHERLOQ is headquartered in Florida and collects from Florida consumers, the Florida Consumer Collection Practices Act (FCCPA) applies in addition to the federal FDCPA.
The FCCPA provides important additional protections: unlike the federal FDCPA, the FCCPA also applies to original creditors, not just third-party collectors. Florida consumers dealing with any step of the collection process from a Florida-based entity have broader statutory protections than consumers in most other states.
If SHERLOQ has used harassing, deceptive, or abusive tactics in Florida, you can pursue claims under both the FDCPA and the FCCPA simultaneously.
Medical Debt Reporting Rules Apply Directly
Because SHERLOQ collects exclusively for healthcare providers and utilities, current CFPB medical debt reporting rules apply to every medical account they report.
Medical debts under $500 cannot appear on any consumer credit report. Any medical debt must also wait one full year past the date of first delinquency before it can be reported to bureaus, regardless of the balance.
If SHERLOQ has reported a medical balance under $500, or reported a balance less than one year past due, that entry is immediately disputable with all three bureaus without waiting for SHERLOQ’s response.
Insurance Denial Recovery Accounts
SHERLOQ specifically offers insurance denial recovery services, meaning they pursue balances that resulted from a denied insurance claim. If SHERLOQ is collecting a balance that you believe your insurer should have covered, request confirmation of the denial reason and the specific claim number before paying.
Insurance denials are frequently reversed on appeal, and paying a collection balance on a claim that could be appealed forfeits your right to recover that amount from the insurer. Confirm the denial status with your insurer directly before engaging SHERLOQ on any account that may have been processed through insurance.
What SHERLOQ Cannot Do Under Federal and Florida Law
Based on applicable law for Florida-based medical debt collectors:
- Report medical debts under $500 to credit bureaus: Current CFPB rules prohibit this. Dispute immediately without waiting for SHERLOQ’s response.
- Report medical debts less than one year past due: The one-year waiting period applies regardless of balance amount.
- Continue collecting on a debt after a written validation request without providing documentation: FDCPA Section 1692g requires collection to pause until verification is provided.
- Use harassing, deceptive, or unfair practices: Florida FCCPA provides additional remedies beyond the federal FDCPA for Florida consumers.
- Report inaccurate balances to credit bureaus: Compare the SHERLOQ claimed balance against your insurer’s explanation of benefits before disputing.
Verify the Debt Before Paying Anything
Send a written validation request by certified mail within 30 days of first contact. Request the name of the original healthcare provider or utility company, the service date or billing period, an itemized bill, and your insurer’s explanation of benefits for any medical account.
For accounts involving a denied insurance claim, request the specific denial reason and claim number before paying. Contact your insurer to confirm whether an appeal is still available before treating the balance as final.
How to Check Your Credit Report for SHERLOQ Entries
Search all three credit reports for “SHERLOQ Solutions,” “Sherloq Revenue Solutions,” and “Sherloq Financial.” Confirm the original provider is identified, the balance reflects post-insurance patient responsibility, and the date of first delinquency confirms the account is at least one year past due and above $500.
Florida has a 5-year statute of limitations on written contracts. The relevant statute is typically the state where you currently reside.
Your Options for Resolving a SHERLOQ Account
- Dispute medical entries under $500 or less than one year old immediately: Current CFPB rules make both categories immediately disputable with all three bureaus.
- Check for insurance denial before paying any medical balance: SHERLOQ does insurance denial recovery. If the account stems from a denied claim, confirm whether an appeal is still available before paying.
- Search all three name variants on your credit reports: SHERLOQ, Sherloq Revenue Solutions, and Sherloq Financial all refer to the same company.
- Florida consumers can pursue FCCPA claims in addition to FDCPA claims: The Florida statute provides broader protections and applies to a wider range of entities in the collection process.
How to Contact SHERLOQ Solutions
- Office address: 134 S Tampa Street, Tampa, FL 33602
- Tampa mailing address: P.O. Box 2842, Tampa, FL 33601
- Traverse City mailing address: P.O. Box 908, Traverse City, MI 49684
- Phone: (800) 226-7757
Bottom Line
SHERLOQ Solutions is a century-old healthcare revenue cycle agency with a thin complaint record and confirmed clients including Tampa General Hospital and Tallahassee Memorial. Their most important distinction for consumers is their insurance denial recovery practice, which means some accounts they collect may still have an active insurance appeal available.
Before paying anything SHERLOQ claims on a medical balance, confirm whether the underlying claim was denied by insurance and whether an appeal is still possible. Check that the balance is above $500 and at least one year past due before accepting the credit bureau entry as properly reported.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.