{"took":223,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":303,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"18216573","_score":16.879486,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint against TransUnion regarding its failure to conduct a reasonable reinvestigation of an XXXX XXXX XXXX XXXX  tradeline reported on my credit file. \n\nI disputed the XXXX XXXX account with TransUnion and identified specific inaccuracies and legal defects, including unresolved questions regarding the accounts enforceability under Illinois law. In particular, I raised concerns that the transaction may violate the Illinois Predatory Loan Prevention Act ( PLPA ), which caps the annual percentage rate for covered loans at 36 % and provides that loans made in excess of that cap are void and unenforceable. The contract itself acknowledges that the applicable APR under Illinois law may differ from the disclosed Truth-in-Lending APR, yet no PLPA-compliant APR calculation has been produced demonstrating compliance.\n\nI also disputed TransUnions reporting of an accelerated balance where the creditor has not demonstrated lawful authority to enforce the obligation or compliance with applicable consumer-protection requirements. I informed TransUnion that this account is the subject of active regulatory complaints with the Illinois Attorney General, the Illinois Department of Financial & Professional Regulation, and the Federal Trade Commission.\n\nDespite receiving this detailed dispute, TransUnion verified or continued to report the tradeline without disclosing what documents were reviewed or whether the furnisher provided competent documentation addressing enforceability, PLPA compliance, lawful authority to collect, or the or the accuracy of the balance reported. TransUnion did not indicate that any PLPA-related review was conducted or that the legal status of the obligation was assessed.\n\nUnder the Fair Credit Reporting Act, 15 U.S.C. 1681i, TransUnion is required to conduct a reasonable reinvestigation and to ensure that information reported is accurate and not misleading. Verifying a tradeline without reviewing documentation addressing disputed legal enforceability and statutory compliance does not satisfy this obligation. \n\nBy continuing to report this tradeline without addressing these issues, TransUnion is furnishing credit information that is misleading and potentially inaccurate, causing ongoing consumer harm. \n\nI respectfully request that the CFPB review TransUnions reinvestigation practices in this matter and require corrective action, including deletion or correction of the XXXX XXXX tradeline and confirmation that TransUnions reinvestigation procedures comply with federal law.","date_sent_to_company":"2025-12-22T13:21:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19803","tags":null,"has_narrative":true,"complaint_id":"18216573","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-22T13:13:36.000Z","state":"DE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["The contract itself acknowledges that the applicable APR under Illinois law may differ from the disclosed Truth-in-Lending APR, yet no PLPA-compliant APR calculation has been produced demonstrating <em>compliance</em>.\n\nI also disputed TransUnions reporting of an accelerated balance where the <em>creditor</em> has not demonstrated lawful authority to enforce the <em>obligation</em> or <em>compliance</em> with applicable consumer-protection requirements."]},"sort":[16.879486,"18216573"]},{"_index":"complaint-public-v1","_id":"10633005","_score":15.431261,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Complainant : XXXX XXXX XXXX, a belligerent private sector\n\n; Michigan State National, exercising his rights as an account holder and consumer under federal consumer protection and financial laws. Respondent : Gateway Financial Solutions XXXX, headquartered in Michigan, accountable under federal statutes governing consumer finance, bankruptcy proceedings, and identity use protections. Basis for Complaint Federal Jurisdiction and Governing Statutes : Bankruptcy Law : Under Title 11, U.S. Code, governing the handling and disposition of assets post-bankruptcy. Securities Exchange Act of 1934 ( 15 U.S.C. 78j ( b ) ) : Relating to allegations of potential securities fraud. Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) : Addressing misuse of Social Security information. Foreign Agents Registration Act ( 22 U.S.C. 611 et seq. ) : For verifying compliance with federal agency registration. Commerce Clause ( U.S. Constitution, Article I, Section 8 ) : Given the interstate nature of transactions between the parties. Claims and Relief Requested Forensic Audit : Requesting an exhaustive forensic audit covering all transactions between Complainant and Gateway Financial Solutions XXXX, including potential insurance claims, securities transactions, and any misuse of Social Security details. Insurance Inquiry : Disclosure of all insurance claims or any other compensations or bonds claimed by\nGateway Financial Solutions on the Complainants account or transactions.\n\nFee Compliance : Confirmation of adherence to Complainants stated fee schedule for use of sensitive information including Social Security number and contractual data. 1099-C Inquiry : Clarification as to why\nGateway did not initiate a 1099-C Cancellation of Debt after repossession following XXXX  XXXX Bankruptcy discharge.\n\nTransparency Requirement : Demand for detailed disclosure on double-dipping practices or unclaimed funds retained from any endorsed or liquidated securities of the Complainant.\n\nFederal Agency Involvement and Reporting Federal Investigations : Has Gateway Financial Solutions XXXX been subject to any investigations or audits by federal agencies such as the FBI, SEC, or IRS\n\nconcerning the Petitioner 's account? Provide all reports, findings, and related documentation. SEC Reporting : Has Gateway Financial Solutions XXXX filed any reports with the SEC regarding the Petitioner 's securities? If so, please provide copies of these reports and any correspondence with the SEC.\n\nIRS and Debt Reporting : What records does Gateway Financial Solutions XXXX have in relation to any IRS reporting on canceled or discharged debt concerning the Petitioner 's account? Include any IRS correspondence and documentation of compliance with 26 U.S.C. 6050P, if applicable. Additional Compliance and Accountability Federal Trade Commission ( FTC ) Compliance : How does\nGateway Financial Solutions XXXX ensure compliance with the Federal Trade Commission Act and other consumer protection laws in its engagements with the Petitioner? Provide copies of internal compliance policies and any relevant FTC correspondence if any.\n\nFair Credit Reporting Act ( FCRA ) Compliance : Has Gateway Financial Solutions XXXX adhered to FCRA standards in reporting the Petitioner 's XXXX  XXXX Bankruptcy and other credit-related information? Provide evidence of this compliance, including credit reporting records and related correspondence.\n\nEnforcement of Judgments : If a penalty judgment is issued against Gateway Financial Solutions XXXX, does the corporation have assets within the jurisdiction to satisfy this judgment? Provide information on any state or federal assets held within Michigan or another jurisdiction.\n\nNotice of Default for Non-Response Please be advised that any failure to provide complete and specific answers to these questions will be taken as a presumption of non-compliance and evidence of intent to impede Petitioner 's lawful audit and investigative demands. Failure to respond fully and transparently will be considered as an acceptance of default, reinforcing Petitioner 's claims and providing grounds for further legal action and imposition of penalties, as well as the involvement of federal enforcement agencies. \nXXXX, XXXX XXXX XXXX, respectfully reserves the right to invoke all relevant federal and state laws to enforce compliance, initiate a full forensic audit, and seek any additional relief deemed legally appropriate. Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies and creditors must ensure the accuracy, fairness, and privacy of information in credit reports. The Complainant asserts his right to a review of\nGateway Financial Solutions XXXX compliance with FCRA standards, specifically regarding : XXXX  XXXX Bankruptcy Reporting : Has Gateway Financial Solutions accurately reported the Complainant 's XXXX  XXXX bankruptcy, and if so,\n\nwas this done in a manner compliant with FCRA standards for accuracy and fairness? Under FCRA, once a debt is discharged in bankruptcy, the account status should reflect a {$0.00} balance and be listed as discharged rather than as an outstanding debt. If Gateway reported otherwise, this could constitute a violation of FCRA guidelines. Right to Remove Negative Reports Post-Bankruptcy Discharge : The Complainant requests removal of any derogatory or negative reports associated with this account now that the debt has been discharged. FCRA allows consumers to dispute any information they believe to be inaccurate, misleading, or unverifiable, particularly following a bankruptcy discharge. Complainant requests evidence from Gateway of its adherence to FCRA standards in reporting this information. Failing to update or correct this information after the bankruptcy discharge may indicate non-compliance. Account Removal from Credit Report : The Complainant asserts his right to request the removal of this account from his credit report under FCRA. This request is based on the debt being discharged in bankruptcy and the potential inaccuracy or harm of continuing to report it in a manner inconsistent with federal guidelines. If Gateway has included inaccurate information or failed to reflect the bankruptcy discharge, FCRA permits the Complainant to request deletion of the account from the credit report entirely. Provision of Supporting Documentation : Gateway Financial Solutions XXXX is requested to provide\n\ndocumented evidence of its compliance with FCRA requirements. This includes copies of credit reporting records, correspondence between Gateway and credit reporting agencies, and records of any updates or disputes processed regarding the account in question. Resolution Sought Removal of XXXX XXXX Bankruptcy and Negative Credit Reporting : Request that Gateway cease reporting derogatory information and remove any records of the XXXX  XXXX bankruptcy from credit reporting agencies if inaccuracies are found or if the report fails to reflect the discharge. Permanent Removal of Account from Credit Report : R equest that Gateway remove the account from the Complainants credit report to prevent further negative impact and ensure full compliance with FCRA standards. Provision of Evidence : Request that Gateway submit all relevant credit reporting records and compliance documentation to confirm its adherence to FCRA requirements. Failure to provide this evidence may support a presumption of non-compliance with FCRA standards. The Complainant reserves the right to pursue further actions, including formal disputes with credit reporting agencies and regulatory complaints if compliance is not demonstrated. For Michigan-specific laws governing vehicle loans, finance charges, and insurance coverage, the following state laws and codes may apply in conjunction with federal statutes like 15 U.S. Code 1605. These Michigan codes address credit disclosures, finance charges, and insurance requirements relevant to vehicle financing : Michigan Consumer Protection Act ( MCPA ) : MCL 445.903 : This section outlines unfair, unconscionable, or deceptive methods in trade or commerce, which can include practices related to vehicle loan agreements, add-ons, and financing terms. If a lender or dealership fails to disclose all costs clearly or includes hidden insurance fees without the borrowers knowledge, it may be considered a violation under this act. Michigan Motor Vehicle Sales Finance Act : MCL 492.101 et seq. : This act regulates retail installment contracts for vehicles and governs disclosures and requirements for dealers and lenders in vehicle sales, including the handling of premiums for any required insurance. MCL 492.117 : Specifically, this section requires that the cost of insurance ( if part of the contract ) be fully disclosed in the installment contract. It also mandates that any insurance coverage must be beneficial to the buyer, often as part of the total financing package. Michigan Insurance Code of 1956 : MCL 500.2101 et seq. : Pertains to the regulation of insurance policies and premiums, especially regarding automotive and loan-related insurance products. Lenders and dealers offering credit insurance as part of the vehicle financing must comply with the Michigan Insurance Code, including the necessity for clear, separate disclosure of any premiums or charges and must avoid charging for insurance or warranties that do not directly benefit the borrower. Michigan Consumer Financial Services Act : MCL 487.2057 : This statute requires finance companies to adhere to truth-in-lending principles and transparent disclosure practices, mirroring elements of federal regulations like the Truth in Lending Act ( TILA ). It mandates that finance charges, including any insurance or fees tied to the loan, be explicitly disclosed as part of the agreement. Michigan Uniform Commercial Code ( UCC ) : MCL 440.3101 et seq. : Governs secured transactions, ensuring that security interests in the vehicle are properly disclosed and registered. This includes any liens or obligations tied to the loan and insurance that protect the lenders interest. Application to Insurance and Premium Inclusion The combination of federal and Michigan law requires : Full Disclosure : The dealership and lender must disclose all finance charges, including insurance premiums or other protective coverage added to the loan. Beneficial Coverage : Any insurance included in the premium must benefit the borrower, protecting their interest in the financed vehicle. Restriction Against Double-Dipping : Michigan law supports the prohibition of double-dipping through additional, unapproved charges ; thus, both the dealership and lender can not add fees without clear, documented borrower consent. These statutes support a fair financing structure where all premiums, insurance, and protection costs are transparently included in the finance charge, with no undisclosed or redundant fees. For any breaches or discrepancies, filing a complaint under both federal and state laws would be appropriate. When a vehicle loan is approved, and the finance agreement includes insurance premiums as part of the total finance charge, the debtor may not need to pay separate insurance costs because these are covered within the loan itself. Heres how this works according to the law : Inclusion in the Finance Charge : 15 U.S. Code 1605 defines a \" finance charge '' to encompass all costs imposed directly or indirectly by the lender as a condition of extending credit, including insurance premiums that protect the lender against borrower default or loss. Specifically, any insurance or guarantee fees required by the lender to protect the loan must be disclosed and included in the total finance charge, which the borrower pays over time through their loan payments. Prepaid Insurance Coverage : If the lender requires insurance as part of the loan, the cost of that insurance should already be included in the loans monthly payment. In practice, the debtors payments cover both the loan principal and finance charges ( interest and insurance ), making separate monthly insurance payments unnecessary. Under Michigans Motor Vehicle Sales Finance Act ( MCL 492.117 ), the lender must clearly disclose the cost of any insurance included in the loan agreement, allowing the borrower to see that insurance is already factored into the financing. Single Obligation for Loan Repayment : Because the insurance premium is incorporated into the total loan amount, the debtor has a single repayment obligation that covers all elements of the financing package ( principal, interest, insurance ). This simplifies repayment and legally binds the lender to treat all covered items as part of the finance charge, which the borrower pays over time. With the insurance cost built into the loan, the borrower should not face any additional insurance expenses unless they choose to purchase additional, optional insurance coverage. Prohibitions Against Double Charging : Michigan law and consumer protection statutes prevent lenders from charging the borrower twice for insurance that has already been covered. By embedding the insurance premium into the finance charge, the lender acknowledges that all necessary protections for the vehicle and loan are satisfied within the approved financing terms. In essence, by legally mandating insurance inclusion in the premium, the law protects borrowers from being billed separately for insurance, as their monthly loan payments already fulfill that obligation. This arrangement not only simplifies payments but also ensures transparency, as the borrower is fully informed about the included insurance costs when they sign the loan agreement.\n\nFair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) Under the FCRA, creditors must report information accurately and fairly. While the act primarily outlines consumer rights to dispute inaccuracies, a debtor may argue that continued reporting in violation of FCRA standards entitles the debtor to compensation, especially if the reporting breaches the terms of a Security Agreement that mandates truthful and compliant data sharing. Remedy : Damages for negligent or willful noncompliance, including statutory, punitive, and equitable relief. Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 ) TILA requires transparent disclosure of credit terms and charges, including any security interests, fees, and terms that may impact a consumers rights. A debtors Security Agreement can stipulate an obligation for full disclosure of reporting practices to prevent unjust enrichment by the creditor. Remedy : The debtor may claim damages for violations of disclosure and seek to apply TILA to backdate protection terms per the Security Agreement. Uniform Commercial Code ( UCC ) - Article 9, Secured Transactions The UCC allows a secured party to establish the debtor 's rights through a Security Agreement, which may state terms applying both retroactively and into the future. If the Security Agreement includes clauses requiring certain standards for reporting and information sharing, the debtor may argue that any deviation constitutes a breach. Remedy : The debtor may charge fees, enforce penalties, or claim damages if credit reporting by the creditor violates these terms, as per UCC provisions on secured transactions and contractual obligations. Equity and Unjust Enrichment Doctrine Equity law allows for remedies in cases where one party unfair ly benefits at anothers expense. If a creditors reporting negatively affects the debtors credit and financial standing, the debtor may seek restitution under unjust enrichment. This principle supports the debtors claim to enforce retroactive provisions of the Security Agreement, including equitable relief or charging fees for harm done. Remedy : The debtor may request restitution, fair compensation, or enforce specific performance to correct any negative impacts caused by the creditors reporting. Contract Law - Breach of Implied Covenant of Good Faith and Fair Dealing Most contracts, including those under UCC provisions, are assumed to operate under the principle of good faith and fair dealing. If a creditors reporting impairs the debtors financial standing and violates the terms of the Security Agreement, the debtor may claim breach of this covenant. Remedy : Compensation for any damages or fees stipulated in the Security Agreement and potential court-ordered remedies. Federal Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) FDCPA restricts certain practices by creditors in collecting debts, including the obligation to prevent any reporting that misrepresents or unfairly characterizes the debtors obligations. A Security Agreement with retroactive effect may further strengthen the debtors claim to charge fees for any collection actions that harm the debtors standing. Remedy : Actual damages, legal fees, and statutory penalties for misleading reporting practices. Promissory Estoppel ( Equity Doctrine ) If the creditors reporting contradicts any terms in the Security Agreement that protect the debtor, the debtor may assert that their reliance on the agreement allows for equitable relief under promissory estoppel. This can apply even if reporting is technically accurate if it conflicts with Security Agreement protections. Remedy : Enforcement of compensation or relief as stipulated in the Security Agreement. Uniform Commercial Code ( UCC ) - Article 1, General Provisions ( UCC 1-103 ) UCC 1-103 incorporates principles of law and equity into the UCC framework, meaning that creditors must honor equitable agreements set forth in a Security Agreement. This includes any right the debtor has to charge fees, demand corrections, or require disclosures. Remedy : Equitable relief for any negative reporting impact and enforcement of fees and penalties as per the Security Agreement. Equitable Estoppel If the Security Agreement states that credit reporting protections apply for the lifetime of the debtor, any conflicting actions by the creditor may be challenged under equitable estoppel, preventing the creditor from taking inconsistent actions. Remedy : Preventative or compensatory relief in alignment with Security Agreement terms, including potential removal of negative information or charging fees. These combined legal principles could support the debtors assertion of rights to fees, penalties, and corrections based on past, present, or future terms outlined in a Security Agreement with the creditor, allowing for retroactive enforcement of such protections and equitable remedies.","date_sent_to_company":"2024-10-30T14:48:33.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"482XX","tags":null,"has_narrative":true,"complaint_id":"10633005","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GFS II, LLC","date_received":"2024-10-30T13:57:01.000Z","state":"MI","company_public_response":null,"sub_issue":"Damage caused or loss of personal items in vehicle during the actual repossession"},"highlight":{"complaint_what_happened":["Single <em>Obligation</em> for Loan Repayment : Because the insurance premium is incorporated into the total loan amount, the debtor has a single repayment <em>obligation</em> that <em>covers</em> all elements of the financing package ( principal, interest, insurance ). This simplifies repayment and legally binds the lender to treat all <em>covered</em> items as part of the finance charge, which the borrower pays over time."]},"sort":[15.431261,"10633005"]},{"_index":"complaint-public-v1","_id":"10962280","_score":15.419178,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"3rd Dispute of Late Payments Reported in my credit report One Hundred Sixteenth Congress of the United States of America TITLE IV- ECONOMIC STABILIZATION AND ASSISTANCE TO SEVERELY DISTRESSED SECTORS OF THE UNITED STATES OF AMERICA ECONOMY Subtitle A - Coronavirus Economic Stabilization Act of 2020 Federal Trade Commission FTC report number : XXXX Following the CFPB complaints id XXXX This is my third dispute regarding the reporting of late payments on my credit account ending on XXXX in the months of XXXX, XXXX and XX/XX/XXXX. After a thorough analysis of Section XXXX of the CARES Act ( Credit Protection during XXXX ), I insist that Wells Fargo 's actions in reporting late payments during the covered period are not only incorrect, but directly contradicting the requirements established by this law, significantly affecting my credit history record. \n\nMain Points of Dispute SEC. 4021XXXX CREDIT PROTECTION DURING XXXX. \nSection 623 ( a ) ( 1 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681s2 ( a ) ( 1 ) ) is amended by adding at the end the following : ( F ) REPORTING INFORMATION DURING XXXX PANDEMIC. ( i ) DEFINITIONS.In this subsection : ( I ) ACCOMMODATION.The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the XXXX XXXX XXXX ( XXXX ) pandemic during the covered period. ( II ) COVERED PERIOD.The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after the date of enactment of this subparagraph ; or ( bb ) 120 days after the date on which the national emergency concerning the novel XXXX XXXX ( XXXX ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. ( ii ) REPORTING.Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current. ( iii ) EXCEPTION.Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off.. \n\nInterpretation of Section 4021 : Section 4021 provides that any account under an accommodation agreement during the covered period must be reported as current. \n\nSpecifically, the law mentions that the term accommodation includes deferral agreements, partial payments, or any other assistance related to the XXXX pandemic. This applies to all credit obligations or accounts, including revolving accounts such as credit cards, and any accommodation limits the creditor to reporting late payments to avoid damage to credit reports. \n\nWells Fargo argues that credit cards are excluded from the CARES Act, but this is not supported by the legislative text. The definition of \" accommodation '' and \" credit obligation '' broadly covers any credit account that you report to the credit bureaus making this A DIRECT VIOLATION OF LAW and FRAUD by Wells Fargo towards me as a consumer. \n\nAccount Status at Time of Settlement : The accommodation agreement with Wells Fargo was made on XX/XX/XXXX. According to records, at that time my account had not been reported as delinquent. Because my first late payment was in the same month XXXX that the agreement was made, This contravenes their claim that my account was already delinquent before the agreement began. And also law has a window time coverage that begins on XX/XX/XXXX of XXXX and ends 120 after pandemic is declared ended. \n\nAccording to the CARES Act, if an account is not delinquent at the start of the accommodation agreement, it must be reported as \" current '' for the duration of the agreement. AGAIN I STATE CLEAR VIOLATION OF LAW and FRAUD against me. \n\nCovered Period : The CARES Act defines the \" covered period '' as from XX/XX/XXXX of XXXX through 120 days after the end of the declared national emergency. This period was still in effect during the time of my settlement with Wells Fargo, this section continuing to demonstrate Wells Fargo 's violation of the law and fraud. \n\nFCRA Compliance : Wells Fargo is required under the Fair Credit Reporting Act ( FCRA ) to report accurate and fair information. By reporting late payments during the period covered by an accommodation agreement, Wells Fargo is not only failing to comply with specific provisions of the CARES Act, but is also repeatedly violating the FCRA by refusing to correct this inaccurate information on my credit report. \n\nThis behavior demonstrates a continued disregard for my rights as a consumer, rights that are clearly protected by the FCRA and the CARES Act. Specifically, the FCRA requires creditors to report true and accurate information, and to correct any errors once they are reported Wells Fargo is committing a clear fraud and violating my consumer rights, affecting me financially and emotionally I attached some links of lawyers that explain credit cards are protected by Section 4021 of the CARES Act ( Credit Protection during XXXX ). \n\nlinks of information https XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX  XXXX & XXXX","date_sent_to_company":"2024-11-28T17:21:22.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"328XX","tags":null,"has_narrative":true,"complaint_id":"10962280","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-11-28T17:02:24.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["This applies to all credit <em>obligations</em> or accounts, <em>including</em> revolving accounts such as credit cards, and any accommodation limits the <em>creditor</em> to reporting late payments to avoid damage to credit reports. \n\nWells Fargo argues that credit cards are excluded from the CARES Act, but this is not supported by the legislative text."]},"sort":[15.419178,"10962280"]},{"_index":"complaint-public-v1","_id":"2835406","_score":15.182086,"_source":{"product":"Debt collection","complaint_what_happened":"Dear Sir or Madam, This letter is in reference to GRANT & WEBER Account # XXXX for services provided to XXXX XXXX on XX/XX/XXXX. \nIn regard to the bill on this account in the amount of {$7400.00} Please be advised this is not a refusal to pay, but a notice your claims are being disputed. \nUnder the Fair Debt Collections Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and proof that there is some contractual obligation which is binding on me to pay this debt. \nPlease attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and or authorization under subtitle D of the ARRA, SEC 13401. APPLICATION OF SECURITY PROVISIONS AND PENALITIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 )  BREACH OF SECURITY. \n\nThe term \" breach of security means, with respect to unsecured PHR identifiable health information without the authorization of the individual. \n\nPlease note that enforcement of penalties against you is covered under the penalty rules of the omnibus final rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information. Technology for Economic and Clinical Health Act of 2009 ( HITECH ACT ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. \n\nPlease also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account and a copy of any HIPPA authorization. \n\nPlease also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collections activities, including reporting of or verifying of this account on my credit reports. \n\nIn the event of non -compliance, I reserve the right to file charges with the OCR on your HIPPA violations and appropriate County, State and Federal Authorities. I require compliance, I reserve the right to file charges and/or complaints with the OCR on your HIPPA violations and appropriate associations for violations and appropriate County, State & Federal authorities for violations of the FDCPA, FCRA and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of California medical privacy rules. \n\nI also hereby reserve my right to take private civil action against you to recover damages. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2018-03-07T05:47:55.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"92870","tags":null,"has_narrative":true,"complaint_id":"2835406","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Grant & Weber","date_received":"2018-03-07T00:31:44.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Technology for Economic and Clinical Health Act of 2009 ( HITECH ACT ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA <em>including</em> FACT Act changes final rules effective XX/XX/XXXX. \n\nPlease also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the <em>creditor</em> and as this is a medical account and a copy of any HIPPA authorization."]},"sort":[15.182086,"2835406"]},{"_index":"complaint-public-v1","_id":"4120855","_score":15.107469,"_source":{"product":"Debt collection","complaint_what_happened":"Pursuant to N.C. Uniform Commercial Code 25-1-304 every contract implies good faith and fair dealing between the parties to it. This implied covenant provides \" that neither party shall do anything that will have the effect of destroying or injuring the right of the other party to receive the fruits of the contract. In the debt collection context, breach of the covenant of good faith & fair dealing may be applied to the actions of the original creditor or the debt collector. In regards to the original creditor 's actions, it may be applied where the facts indicate the creditor acted in an unfair, misleading, sneaky, or extremely advantageous manner. \n\nI XXXX XXXX have attached to this complaint a affidavit and exhibits of witnessed XXXX XXXX XXXX XXXX and debt collectors Bernheardt and Strawser, PA and XXXX XXXX XXXX violations of Federal and State law with Unconscionable, Unfair, and Deceptive Debt Collection Practices with Unfair and Deceptive Trade Practices as Debt servicer posting as Original Creditor for convenience of debt collection activities. Title 15 USC Chapter 41 1641 ( g ) Notice of new creditor ( 1 ) In general In addition to other disclosures required by this subchapter, not later than 30 days after the date on which a mortgage loan is sold or otherwise transferred or assigned to a third party, the creditor that is the new owner or assignee of the debt shall notify the borrower in writing of such transfer, including ( A ) the identity, address, telephone number of the new creditor ; ( B ) the date of transfer ; ( C ) how to reach an agent or party having authority to act on behalf of the new creditor ; ( D ) the location of the place where transfer of interest in the debt is recorded ; and ( E ) any other relevant information regarding the new creditor. I never received a notice of New Creditor changing from the listed creditor on the Installment Contract if XXXX is not a debt servicer and debt collection agency. \n\n\nUnder the Consumer Credit Protection Act Title 15 USC Chapter 41 1641 ( f ) any treatment of the SERVICER of the XXXX XXXX XXXX Intangible Obligation as an OWNER of the XXXX XXXX XXXX Intangible Obligation would be in violation of Federal Statute. As this assignment to XXXX XXXX XXXX, XXXX, a Michigan Limited Liability Company would be in violation of Federal Statute if XXXX was not the OWNER of the XXXX XXXX XXXX Intangible Obligation, XXXXs  claim of rights to the XXXX XXXX XXXX Intangible Obligation is either a fraudulent claim or XXXX  actions under the claim of ownership are in violation of Federal Law. \n15 USC Chapter 41 1641 ( f ) Treatment of servicer ( 1 ) In general A servicer of a consumer obligation arising from a consumer credit transaction shall not be treated as an assignee of such obligation for purposes of this section unless the servicer is or was the owner of the obligation. ( 2 ) Servicer not treated as owner on basis of assignment for administrative convenience ; A servicer of a consumer obligation arising from a consumer credit transaction shall not be treated as the owner of the obligation for purposes of this section on the basis of an assignment of the obligation from the creditor or another assignee to the servicer solely for the administrative convenience of the servicer in servicing the obligation. Upon written request by the obligor, the servicer shall provide the obligor, to the best knowledge of the servicer, with the name, address, and telephone number of the owner of the obligation or the master servicer of the obligation. \nNorth Carolina Law provides the following regarding securitized assets acquired by True sale assignment without recourse without disclosure to the consumer as maker or investor ; N.C.G.S. 53-426. Waiver of equity of redemption. ( a ) Notwithstanding any other provision of law, except to the extent otherwise set forth in the transaction documents relating to a securitization, all of the following apply : ( 1 ) Any property, assets, or rights purported to be transferred, in whole or in part, in a securitization or in connection with a securitization are considered no longer the property, assets, or rights of the transferor, to the extent purported to be transferred. Under UCC Article 9 accounting record requests have failed, no proof of possession has been provided. No proof of non e-signed note has been provided given the note can not be negotiated electronically by law. No response to Rule 36 Request for Admissions, no signed affidavit regarding XXXX scouting for the has been returned, and my Affidavit has been unrebutted. There is no issue regarding the material facts, yet despite terminating security interest un TILA, Dodd Frank, and Regulation Z due to fraudulent concealment and inducement XXXX and agents file a frivolous action XXXX county. \nNo 1692 ( g ) validation has been provided and collection has not ceased. \n15 U.S. Code 1692e with several false and misleading representations as owner, not debt servicer, not debt collector despite registration, false representation as holder in due course by possession or control, false representation of character and amount after security termination with fraud tolled TILA rescission, use of false representation or deceptive means to collect or attempt to collect the alleged debt, XXXX XXXX did disclose in initial communication with consumer this is an attempt to collect a debt. \n15 U.S. Code 1692f affidavit and exhibits contains several unfair practices and unconscionable means to collect after terminating security interest.\n\n15 U.S. Code 1692j TDAF is not the true party of interest as documents allude and many exhibits attached show deceptive forms. \n\nNo UCC 9-210 accounting requests have been provided for compliance. \nPromissory Note ( Intangible eNote / Intangible Payment Obligation ) = An electronic transferrable record ( created during securitization ) and signed in accordance with ESIGN Act that commits the maker ( Account Debtor or Intangible Obligor ) to pay a specified sum on demand in accordance with a contract NOT governed by UCC Article 3 to an Intangible Obligee. Transferrable records are governed by UCC Article 8 and the Security Interests securing transferrable records are governed by UCC Article 9.\n\nSecurity Interest ( Intangible to UCC Article 8 eNote ) = Intangible Obligations ( created during securitization by an Account Debtor ) are routinely swapped for another Intangible Obligation ( Certificates ), and as being a Transferable Record such transaction would fall under governance of UCC 8. For this Certificate Intangible to be secured by an Intangible Account Debtor 's Personal Property, the negotiation of the Intangible Obligation must be in compliance with UCC 8 as it applies to Transferable Records. As to the Personal Property securing the Transferable Record, UCC 9 would provide governing law.\n\nThe purpose of the Retail Installment Contract document is to simply memorialize the purported sale of the XXXX XXXX XXXX Tangible Promissory Note and the acquiring of rights ; it does not cause the sale nor the acquiring of rights. The sale is to be done in accordance with statutory requirement of law N.C.G.S. UCC 25-7-501, which has not happened. The acquiring of rights is to be done in accordance with statutory requirement of law N.C.G.S. UCC 25-3-203, which has not happened.\n\nN.C.G.S. UCC 25-7-501. Form of negotiation and requirements of due negotiation ( A ) The following rules apply to a negotiable tangible document of title : ( 1 ) If the document 's original terms run to the order of a named person, the document is negotiated by the named person 's indorsement and delivery ( emphasis added ) N.C.G.S. UCC 25-3-203 ( D ). Transfer of instrument ; rights acquired by transfer ( D ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur, the transferee of that instrument obtains no rights under this chapter, and the transferee of that instrument has only the rights of a partial assignee. \nN.C.G.S. 25-9-102. Definitions and index of definitions - UCC 9-102 ( A ) As used in this chapter, unless the context requires otherwise : ( 3 ) \" Account debtor '' means a person who is obligated on an account, chattel paper, or general intangible. \" Account debtor '' does not include a person who is obligated to pay a negotiable instrument, even if the instrument constitutes part of chattel paper. ( emphasis added ) The FTC Act and Dodd-Frank generally prohibit deceptive and unfair practices, and both the FTC and CFPB have used this umbrella to punish creditors for unfair and deceptive debt collection issues even where they were not covered by the FDCPA. The FTC Acts general prohibition in absence of FDCPA coverage stating that even if the FDCPA doesnt apply, your collection activities are still covered by Section 5 of the FTC Acts general prohibition against deceptive or unfair practices. [ T ] he FTC has taken action under Section 5 when first-party creditors engage in other practices expressly prohibited by the FDCPA. In 2013, the Bureau issued Compliance Bulletin 2013-07, which clearly laid out its position : [ a ] lthough the FDCPA definition of debt collector does not include some persons who collect consumer debt, all covered persons and service providers must refrain from committing UDAAPs in violation of the Dodd-Frank Act. The North Carolina Fair Debt Collection Practices Act applies to any debt, including those claiming to be collecting their own debt.","date_sent_to_company":"2021-02-06T07:10:42.000Z","issue":"Written notification about debt","sub_product":"Auto debt","zip_code":"28269","tags":null,"has_narrative":true,"complaint_id":"4120855","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bernhardt and Strawser, P.A.","date_received":"2021-02-06T02:10:39.000Z","state":"NC","company_public_response":"Company believes the complaint is the result of a misunderstanding","sub_issue":"Notification didn't disclose it was an attempt to collect a debt"},"highlight":{"complaint_what_happened":["In 2013, the Bureau issued <em>Compliance</em> Bulletin 2013-07, which clearly laid out its position : [ a ] lthough the FDCPA definition of debt collector does not include some persons who collect consumer debt, all <em>covered</em> persons and service providers must refrain from committing UDAAPs in violation of the Dodd-Frank Act. The North Carolina Fair Debt Collection Practices Act applies to any debt, <em>including</em> those claiming to be collecting their own debt."]},"sort":[15.107469,"4120855"]},{"_index":"complaint-public-v1","_id":"4118305","_score":15.095356,"_source":{"product":"Debt collection","complaint_what_happened":"Pursuant to N.C. Uniform Commercial Code 25-1-304 every contract implies good faith and fair dealing between the parties to it. This implied covenant provides \" that neither party shall do anything that will have the effect of destroying or injuring the right of the other party to receive the fruits of the contract. In the debt collection context, breach of the covenant of good faith & fair dealing may be applied to the actions of the original creditor or the debt collector. In regards to the original creditor 's actions, it may be applied where the facts indicate the creditor acted in an unfair, misleading, sneaky, or extremely advantageous manner. \n\nI XXXX XXXX have attached to this complaint a affidavit and exhibits of witnessed TD Auto Finance LLC and debt collectors XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX violations of Federal and State law with Unconscionable, Unfair, and Deceptive Debt Collection Practices with Unfair and Deceptive Trade Practices as Debt servicer posting as Original Creditor for convenience of debt collection activities. Title 15 USC Chapter 41 1641 ( g ) Notice of new creditor ( 1 ) In general In addition to other disclosures required by this subchapter, not later than 30 days after the date on which a mortgage loan is sold or otherwise transferred or assigned to a third party, the creditor that is the new owner or assignee of the debt shall notify the borrower in writing of such transfer, including ( A ) the identity, address, telephone number of the new creditor ; ( B ) the date of transfer ; ( C ) how to reach an agent or party having authority to act on behalf of the new creditor ; ( D ) the location of the place where transfer of interest in the debt is recorded ; and ( E ) any other relevant information regarding the new creditor. I never received a notice of New Creditor changing from the listed creditor on the Installment Contract if TDAF is not a debt servicer and debt collection agency.\n\nUnder the Consumer Credit Protection Act Title 15 USC Chapter 41 1641 ( f ) any treatment of the SERVICER of the XXXX XXXX XXXX Intangible Obligation as an OWNER of the XXXX XXXX XXXX Intangible Obligation would be in violation of Federal Statute. As this assignment to TD Auto Finance, LLC, a XXXX  XXXX XXXX XXXX would be in violation of Federal Statute if TDAF was not the OWNER of the XXXX XXXX XXXX Intangible Obligation, TDAFs claim of rights to the XXXX XXXX XXXX Intangible Obligation is either a fraudulent claim or TDAFs actions under the claim of ownership are in violation of Federal Law. \n15 USC Chapter 41 1641 ( f ) Treatment of servicer ( 1 ) In general A servicer of a consumer obligation arising from a consumer credit transaction shall not be treated as an assignee of such obligation for purposes of this section unless the servicer is or was the owner of the obligation. ( 2 ) Servicer not treated as owner on basis of assignment for administrative convenience ; A servicer of a consumer obligation arising from a consumer credit transaction shall not be treated as the owner of the obligation for purposes of this section on the basis of an assignment of the obligation from the creditor or another assignee to the servicer solely for the administrative convenience of the servicer in servicing the obligation. Upon written request by the obligor, the servicer shall provide the obligor, to the best knowledge of the servicer, with the name, address, and telephone number of the owner of the obligation or the master servicer of the obligation.\n\nNorth Carolina Law provides the following regarding securitized assets acquired by True sale assignment without recourse without disclosure to the consumer as maker or investor ; N.C.G.S. 53-426. Waiver of equity of redemption. ( a ) Notwithstanding any other provision of law, except to the extent otherwise set forth in the transaction documents relating to securitization, all of the following apply : ( 1 ) Any property, assets, or rights purported to be transferred, in whole or in part, in a securitization or in connection with a securitization are considered no longer the property, assets, or rights of the transferor, to the extent purported to be transferred. Under UCC Article 9 accounting record requests have failed, no proof of possession has been provided. No proof of non e-signed note\nhas been provided given the note can not be negotiated electronically by law. No response to Rule 36 Request for Admissions, no signed affidavit regarding GAAP scouting for the has been returned, and my Affidavit has been unrebutted. There is no issue regarding the material facts, yet despite terminating security interest un TILA, Dodd Frank, and Regulation Z due to fraudulent concealment and inducement TDAF and agents file a frivolous action XXXX county.\n\nNo 1692 ( g ) validation has been provided and collection has not ceased.\n\n15 U.S. Code 1692e with several false and misleading representations as owner, not debt servicer, not debt collector despite registration, false representation as holder in due course by possession or control, false representation of character and amount after security termination with fraud tolled TILA rescission, use of false representation or deceptive means to collect or attempt to collect the alleged debt, XXXX XXXX did disclose in initial communication with consumer this is an attempt to collect a debt.\n\n15 U.S. Code 1692f affidavit and exhibits contains several unfair practices and unconscionable means to collect after terminating security interest.\n\n15 U.S. Code 1692j TDAF is not the true party of interest as documents allude and many exhibits attached show deceptive forms.\n\nNo UCC 9-210 accounting requests have been provided for compliance.\n\nPromissory Note ( Intangible eNote / Intangible Payment Obligation ) = An electronic transferrable record ( created during securitization ) and signed in accordance with ESIGN Act that commits the maker ( Account Debtor or Intangible Obligor ) to pay a specified sum on demand in accordance with a contract NOT governed by UCC Article 3 to an Intangible Obligee. Transferrable records are governed by UCC Article 8 and the Security Interests securing transferrable records are governed by UCC Article 9.\nSecurity Interest ( Intangible to UCC Article 8 eNote ) = Intangible Obligations ( created during securitization by an Account Debtor ) are routinely swapped for another Intangible Obligation ( Certificates ), and as being a Transferable Record such transaction would fall under governance of UCC 8. For this Certificate Intangible to be secured by an Intangible Account Debtor 's Personal Property, the negotiation of the Intangible Obligation must be in compliance with UCC 8 as it applies to Transferable Records. As to the Personal Property securing the Transferable Record, UCC 9 would provide governing law.\n\nThe purpose of the Retail Installment Contract document is to simply memorialize the purported sale of the XXXX XXXX XXXX Tangible Promissory Note and the acquiring of rights ; it does not cause the sale nor the acquiring of rights. The sale is to be done in accordance with statutory requirement of law N.C.G.S. UCC 25-7-501, which has not happened. The acquiring of rights is to be done in accordance with statutory requirement of law N.C.G.S. UCC 25-3-203, which has not happened.\n\nN.C.G.S. UCC 25-7-501. Form of negotiation and requirements of due negotiation ( A ) The following rules apply to a negotiable tangible document of title : ( 1 ) If the document 's original terms run to the order of a named person, the document is negotiated by the named person 's indorsement and delivery ( emphasis added ) N.C.G.S. UCC 25-3-203 ( D ). Transfer of instrument ; rights acquired by transfer ( D ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur, the transferee of that instrument obtains no rights under this chapter, and the transferee of that instrument has only the rights of a partial assignee.\nN.C.G.S. 25-9-102. Definitions and index of definitions - UCC 9-102 ( A ) As used in this chapter, unless the context requires otherwise : ( 3 ) \" Account debtor '' means a person who is obligated on an account, chattel paper, or general intangible. \" Account debtor '' does not include a person who is obligated to pay a negotiable instrument, even if the instrument constitutes part of chattel paper. ( emphasis added ) The FTC Act and Dodd-Frank generally prohibit deceptive and unfair practices, and both the FTC and CFPB have used this umbrella to punish creditors for unfair and deceptive debt collection issues even where they were not covered by the FDCPA. The FTC Acts general prohibition in absence of FDCPA coverage stating that even if the FDCPA doesnt apply, your collection activities are still covered by Section 5 of the FTC Acts general prohibition against deceptive or unfair practices. [ T ] he FTC has taken action under Section 5 when first-party creditors engage in other practices expressly prohibited by the FDCPA. In 2013, the Bureau issued Compliance Bulletin XXXX, which clearly laid out its position : [ a ] lthough the FDCPA definition of debt collector does not include some persons who collect consumer debt, all covered persons and service providers must refrain from committing UDAAPs in violation of the Dodd-Frank Act. The North Carolina Fair Debt Collection Practices Act applies to any debt, including those claiming to be collecting their own debt.","date_sent_to_company":"2021-02-05T08:19:33.000Z","issue":"False statements or representation","sub_product":"Auto debt","zip_code":"28269","tags":null,"has_narrative":true,"complaint_id":"4118305","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2021-02-05T03:19:29.000Z","state":"NC","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["In 2013, the Bureau issued <em>Compliance</em> Bulletin XXXX, which clearly laid out its position : [ a ] lthough the FDCPA definition of debt collector does not include some persons who collect consumer debt, all <em>covered</em> persons and service providers must refrain from committing UDAAPs in violation of the Dodd-Frank Act. The North Carolina Fair Debt Collection Practices Act applies to any debt, <em>including</em> those claiming to be collecting their own debt."]},"sort":[15.095356,"4118305"]},{"_index":"complaint-public-v1","_id":"4806405","_score":14.511141,"_source":{"product":"Debt collection","complaint_what_happened":"Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. \n\nPlease attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC.13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. \n\nThe term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. \n\nPlease note the enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XXXX, XXXX, XXXX. \n\nPlease also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account, a copy of any HIPAA authorization. \n\nPlease be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. \n\nI require compliance with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim. \n\nIn the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State, & Federal authorities, the CFPB, XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of Wisconsin medical privacy rules XXXX \n\nI also hereby reserve my right to take private civil action against you to recover damages.","date_sent_to_company":"2021-10-14T04:17:41.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"54301","tags":null,"has_narrative":true,"complaint_id":"4806405","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Finance System of Green Bay, Inc.","date_received":"2021-10-14T00:13:44.000Z","state":"WI","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["I require <em>compliance</em> with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim."]},"sort":[14.511141,"4806405"]},{"_index":"complaint-public-v1","_id":"4806111","_score":14.511141,"_source":{"product":"Debt collection","complaint_what_happened":"Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC.13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note the enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XXXX, XXXX, XXXX. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account, a copy of any HIPAA authorization. Please be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. I require compliance with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State, & Federal authorities, the CFPB, XXXX  and XXXX XXXX  XXXX for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of Wisconsin medical privacy rules . I also hereby reserve my right to take private civil action against you to recover damages.","date_sent_to_company":"2021-10-13T22:10:06.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"498XX","tags":null,"has_narrative":true,"complaint_id":"4806111","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AmeriCollect","date_received":"2021-10-13T22:03:11.000Z","state":"MI","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["I require <em>compliance</em> with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim."]},"sort":[14.511141,"4806111"]},{"_index":"complaint-public-v1","_id":"4797678","_score":14.511141,"_source":{"product":"Debt collection","complaint_what_happened":"Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. \n\nPlease attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC.13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. \n\nThe term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. \n\nPlease note the enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XXXX, XXXX, XXXX. \n\nPlease also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account, a copy of any HIPAA authorization. \n\nPlease be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. \n\nI require compliance with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim. \n\nIn the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State, & Federal authorities, the CFPB, XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of Kansas medical privacy rules .\n\nI also hereby reserve my right to take private civil action against you to recover damages.","date_sent_to_company":"2021-10-10T04:45:46.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"67401","tags":null,"has_narrative":true,"complaint_id":"4797678","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Central States Recovery, Inc.","date_received":"2021-10-10T04:41:12.000Z","state":"KS","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["I require <em>compliance</em> with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim."]},"sort":[14.511141,"4797678"]},{"_index":"complaint-public-v1","_id":"4796505","_score":14.50812,"_source":{"product":"Debt collection","complaint_what_happened":"Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. \n\nPlease attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC.13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.\n\nThe term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. \n\nPlease note the enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XXXX, XXXX, XXXX. \n\nPlease also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account, a copy of any HIPAA authorization. \n\nPlease be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. \n\nI require compliance with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim. \n\nIn the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State, & Federal authorities, the CFPB, XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of Kansas medical privacy rules XXXX \n\nI also hereby reserve my right to take private civil action against you to recover damages.","date_sent_to_company":"2021-10-10T04:32:05.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"67401","tags":null,"has_narrative":true,"complaint_id":"4796505","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WAKEFIELD & ASSOCIATES, INC.","date_received":"2021-10-10T04:27:13.000Z","state":"KS","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["I require <em>compliance</em> with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim."]},"sort":[14.50812,"4796505"]},{"_index":"complaint-public-v1","_id":"6637826","_score":14.444888,"_source":{"product":"Debt collection","complaint_what_happened":"To Whom It May Concern Account Services Colls is fraudulently reporting an alleged medical debt without verifying ownership. \n\nUnder the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt. \n\nPlease attach copies of : Please send me copies of any agreement bearing the signature of the alleged debtor with them agreeing to pay the creditor and since this is a medical account, a copy of any HIPAA authorization. \n\nAny agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. \n\nThis is in regard to unsecured PHR identifiable health information of an individual in a personal health record and the acquisition of such information without the direct authorization of the individual. \n\nThe term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. \n\nPlease note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. \n\nPlease also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. \n\nAs you are aware, enforcement of penalties against you is covered under the penalty rules of : interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX. The penalty provision of the ARRA section D, privacy provisions, the penalty rules of HITECH Act as issued XX/XX/XXXX and Omnibus Final Rule effective XX/XX/XXXX and penalty rules of the FCRA and FACTA including the FACT act changes final rules effective XX/XX/XXXX. \n\nPlease also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. \n\nI require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim.\n\nIn the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of TEXAS medical privacy rules . \n\nI also hereby reserve my right to take private civil action against you to recover damages.","date_sent_to_company":"2023-03-03T00:35:13.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"79701","tags":null,"has_narrative":true,"complaint_id":"6637826","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Adelante, Inc","date_received":"2023-03-03T00:31:38.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I require <em>compliance</em> with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim."]},"sort":[14.444888,"6637826"]},{"_index":"complaint-public-v1","_id":"6637823","_score":14.442234,"_source":{"product":"Debt collection","complaint_what_happened":"To Whom It May Concern ACTION REVENUE RECOVERY is fraudulently reporting an alleged medical debt without verifying ownership. \n\nUnder the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt. \n\nPlease attach copies of : Please send me copies of any agreement bearing the signature of the alleged debtor with them agreeing to pay the creditor and since this is a medical account, a copy of any HIPAA authorization. \n\nAny agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. \n\nThis is in regard to unsecured PHR identifiable health information of an individual in a personal health record and the acquisition of such information without the direct authorization of the individual. \n\nThe term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. \n\nPlease note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXXXXXX  interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XXXX XXXX XXXX \n\nPlease also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. \n\nAs you are aware, enforcement of penalties against you is covered under the penalty rules of : interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX  ( HITECH Act ) as issued XX/XX/XXXX. The penalty provision of the ARRA section D, privacy provisions, the penalty rules of HITECH Act as issued XXXX XXXX XXXX and Omnibus Final Rule effective XX/XX/XXXX and penalty rules of the FCRA and FACTA including the FACT act changes final rules effective XX/XX/XXXX. \n\nPlease also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. \n\nI require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim. \n\nIn the event of noncompliance, I reserve the right to file charges and/or complaints with the XXXX on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of TEXAS medical privacy rules XXXX \n\nI also hereby reserve my right to take private civil action against you to recover damages.","date_sent_to_company":"2023-03-03T00:41:45.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"79701","tags":null,"has_narrative":true,"complaint_id":"6637823","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Action Revenue Recovery, LLC","date_received":"2023-03-03T00:39:06.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I require <em>compliance</em> with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim."]},"sort":[14.442234,"6637823"]},{"_index":"complaint-public-v1","_id":"6637811","_score":14.442234,"_source":{"product":"Debt collection","complaint_what_happened":"To Whom It May Concern Action Revenue Recovery is fraudulently reporting an alleged medical debt without verifying ownership. \n\nUnder the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt. \n\nPlease attach copies of : Please send me copies of any agreement bearing the signature of the alleged debtor with them agreeing to pay the creditor and since this is a medical account, a copy of any HIPAA authorization. \n\nAny agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. \n\nThis is in regard to unsecured PHR identifiable health information of an individual in a personal health record and the acquisition of such information without the direct authorization of the individual. \n\nThe term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. \n\nPlease note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XXXX  interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX  ( HITECH Act ) as issued XX/XX/XXXXXXXX  and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. \n\nPlease also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. \n\nAs you are aware, enforcement of penalties against you is covered under the penalty rules of : interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX  ( HITECH Act ) as issued XX/XX/XXXX. The penalty provision of the ARRA section D, privacy provisions, the penalty rules of HITECH Act as issued XX/XX/XXXX and Omnibus Final Rule effective XX/XX/XXXX and penalty rules of the FCRA and FACTA including the FACT act changes final rules effective XX/XX/XXXX. \n\nPlease also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. \n\nI require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim. \n\nIn the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of TEXAS medical privacy rules XXXX \n\nI also hereby reserve my right to take private civil action against you to recover damages.","date_sent_to_company":"2023-03-03T00:38:40.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"79701","tags":null,"has_narrative":true,"complaint_id":"6637811","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Action Revenue Recovery, LLC","date_received":"2023-03-03T00:36:10.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I require <em>compliance</em> with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim."]},"sort":[14.442234,"6637811"]},{"_index":"complaint-public-v1","_id":"6637704","_score":14.441786,"_source":{"product":"Debt collection","complaint_what_happened":"To Whom It May Concern Account Services COLLECTECH DIVERSIFIED is fraudulently reporting an alleged medical debt without verifying ownership. \n\nUnder the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt. \n\nPlease attach copies of : Please send me copies of any agreement bearing the signature of the alleged debtor with them agreeing to pay the creditor and since this is a medical account, a copy of any HIPAA authorization. \n\nAny agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. \n\nThis is in regard to unsecured PHR identifiable health information of an individual in a personal health record and the acquisition of such information without the direct authorization of the individual. \n\nThe term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. \n\nPlease note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. \n\nPlease also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. \n\nAs you are aware, enforcement of penalties against you is covered under the penalty rules of : interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX. The penalty provision of the ARRA section D, privacy provisions, the penalty rules of HITECH Act as issued XX/XX/XXXX and Omnibus Final Rule effective XX/XX/XXXX and penalty rules of the FCRA and FACTA including the FACT act changes final rules effective XX/XX/XXXX. \n\nPlease also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. \n\nI require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim. \n\nIn the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of TEXAS medical privacy rules .\n\nI also hereby reserve my right to take private civil action against you to recover damages.","date_sent_to_company":"2023-03-03T00:50:22.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"79701","tags":null,"has_narrative":true,"complaint_id":"6637704","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"COLLECTECH DIVERSIFIED, INC.","date_received":"2023-03-03T00:47:33.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I require <em>compliance</em> with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim."]},"sort":[14.441786,"6637704"]},{"_index":"complaint-public-v1","_id":"2862824","_score":14.433408,"_source":{"product":"Debt collection","complaint_what_happened":"PETER ROBERTS & ASSO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Dear Sir or Madam, This letter is in reference to account??? at XXXX XXXX XXXX XXXX for services provided to XXXX XXXX on XX/XX/XXXX In regard to the bill on this account in the amount of ( {$110.00} Please be advised this is not a refusal to pay, but a notice your claims are being disputed. \n\nUnder the Fair Debt Collections Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and proof that there is some contractual obligation which is binding on me to pay this debt. \n\nPlease attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and or authorization under subtitle D of the ARRA, SEC 13401. APPLICATION OF SECURITY PROVISIONS AND PENALITIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. \n\nThe term \" breach of security means, with respect to unsecured PHR identifiable health information without the authorization of the individual. \n\nPlease note that enforcement of penalties against you is covered under the penalty rules of the omnibus final rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information. Technology for Economic and Clinical Health Act of 2009 ( HITECH ACT ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. \n\nPlease also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account and a copy of any HIPPA authorization. \n\nPlease also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collections activities, including reporting of or verifying of this account on my credit reports. \n\nIn the event of non -compliance, I reserve the right to file charges with the OCR on your HIPPA violations and appropriate County, State and Federal Authorities. I require compliance, I reserve the right to file charges and/or complaints with the OCR on your HIPPA violations and appropriate associations for violations and appropriate County, State & Federal authorities for violations of the FDCPA, FCRA and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of California medical privacy rules. \n\nI also hereby reserve my right to take private civil action against you to recover damages. \n\nSincerely,, XXXX XXXX","date_sent_to_company":"2018-04-03T14:30:49.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"02115","tags":null,"has_narrative":true,"complaint_id":"2862824","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Peter Roberts & Associates, Inc.","date_received":"2018-04-03T14:18:28.000Z","state":"MA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Technology for Economic and Clinical Health Act of 2009 ( HITECH ACT ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA <em>including</em> FACT Act changes final rules effective XX/XX/XXXX. \n\nPlease also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the <em>creditor</em> and as this is a medical account and a copy of any HIPPA authorization."]},"sort":[14.433408,"2862824"]},{"_index":"complaint-public-v1","_id":"2860729","_score":14.433408,"_source":{"product":"Debt collection","complaint_what_happened":"AARGON AGENCY INC XXXX XXXX XXXX XXXX XXXX, NV XXXX Dear Sir or Madam, This letter is in reference to SOME BILL XXXX $ XXXX XXXX, NO ACOUNT NUMBER NO INFO JUST A COLLECTION AGENCY for services provided to NO NAMED PERSON on XX/XX/XXXX In regard to the bill on this account in the amount of ( {$760.00} ) Please be advised this is not a refusal to pay, but a notice your claims are being disputed. \n\nUnder the Fair Debt Collections Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and proof that there is some contractual obligation which is binding on me to pay this debt. \n\nPlease attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and or authorization under subtitle D of the ARRA, SEC 13401. APPLICATION OF SECURITY PROVISIONS AND PENALITIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. \n\nThe term \" breach of security means, with respect to unsecured PHR identifiable health information without the authorization of the individual. \n\nPlease note that enforcement of penalties against you is covered under the penalty rules of the omnibus final rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information. Technology for Economic and Clinical Health Act of XX/XX/XXXX ( HITECH ACT ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. \n\nPlease also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account and a copy of any HIPPA authorization. \n\nPlease also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collections activities, including reporting of or verifying of this account on my credit reports. \n\nIn the event of non -compliance, I reserve the right to file charges with the OCR on your HIPPA violations and appropriate County, State and Federal Authorities. I require compliance, I reserve the right to file charges and/or complaints with the OCR on your HIPPA violations and appropriate associations for violations and appropriate County, State & Federal authorities for violations of the FDCPA, FCRA and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of California medical privacy rules. \n\nI also hereby reserve my right to take private civil action against you to recover damages. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2018-04-01T06:59:52.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"92879","tags":null,"has_narrative":true,"complaint_id":"2860729","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Aargon Agency, Inc.","date_received":"2018-04-01T02:51:35.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Technology for Economic and Clinical Health Act of XX/XX/XXXX ( HITECH ACT ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA <em>including</em> FACT Act changes final rules effective XX/XX/XXXX. \n\nPlease also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the <em>creditor</em> and as this is a medical account and a copy of any HIPPA authorization."]},"sort":[14.433408,"2860729"]},{"_index":"complaint-public-v1","_id":"2842361","_score":14.433408,"_source":{"product":"Debt collection","complaint_what_happened":"Dear Sir or Madam, This letter is in reference to UNIVERSAL RECOVERY CORPO XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX for services provided to XXXX XXXX on XX/XX/XXXX. \nIn regard to the bill on this account in the amount of {$88.00}. \nPlease be advised this is not a refusal to pay, but a notice your claims are being disputed. \nUnder the Fair Debt Collections Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and proof that there is some contractual obligation which is binding on me to pay this debt. \nPlease attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and or authorization under subtitle D of the ARRA, SEC 13401. APPLICATION OF SECURITY PROVISIONS AND PENALITIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. \nThe term breach of security means, with respect to unsecured PHR identifiable health information without the authorization of the individual. \nPlease note that enforcement of penalties against you is covered under the penalty rules of the omnibus final rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information. Technology for Economic and Clinical Health Act of XX/XX/XXXX ( HITECH ACT ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. \nPlease also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account and a copy of any HIPPA authorization. \nPlease also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collections activities, including reporting of or verifying of this account on my credit reports. \nIn the event of non -compliance, I reserve the right to file charges with the OCR on your HIPPA violations and appropriate County, State and Federal Authorities. I require compliance, I reserve the right to file charges and/or complaints with the OCR on your HIPPA violations and appropriate associations for violations and appropriate County, State & Federal authorities for violations of the FDCPA, FCRA and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of California medical privacy rules. \nI also hereby reserve my right to take private civil action against you to recover damages. \nSincerely, XXXX XXXX XX/XX/XXXX","date_sent_to_company":"2018-03-13T06:47:24.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"92879","tags":null,"has_narrative":true,"complaint_id":"2842361","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Universal Recovery Corporation","date_received":"2018-03-13T06:32:45.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Technology for Economic and Clinical Health Act of XX/XX/XXXX ( HITECH ACT ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA <em>including</em> FACT Act changes final rules effective XX/XX/XXXX. \nPlease also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the <em>creditor</em> and as this is a medical account and a copy of any HIPPA authorization."]},"sort":[14.433408,"2842361"]},{"_index":"complaint-public-v1","_id":"6637715","_score":14.42206,"_source":{"product":"Debt collection","complaint_what_happened":"To Whom It May Concern UNITED REVENUE CORP is fraudulently reporting an alleged medical debt without verifying ownership. \n\nUnder the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt. \n\nPlease attach copies of : Please send me copies of any agreement bearing the signature of the alleged debtor with them agreeing to pay the creditor and since this is a medical account, a copy of any HIPAA authorization. \n\nAny agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. \n\nThis is in regard to unsecured PHR identifiable health information of an individual in a personal health record and the acquisition of such information without the direct authorization of the individual. \n\nThe term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. \n\nPlease note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XXXX XXXX XXXX \n\nPlease also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. \n\nAs you are aware, enforcement of penalties against you is covered under the penalty rules of : interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XXXX XXXX XXXX. The penalty provision of the ARRA section D, privacy provisions, the penalty rules of HITECH Act as issued XXXX XXXX XXXX  and Omnibus Final Rule effective XXXX XXXX XXXX  and penalty rules of the FCRA and FACTA including the FACT act changes final rules effective XXXX XXXX XXXX \n\nPlease also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. \n\nI require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim. \n\nIn the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of TEXAS medical privacy rules XXXX \n\nI also hereby reserve my right to take private civil action against you to recover damages.","date_sent_to_company":"2023-03-03T00:47:00.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"79701","tags":null,"has_narrative":true,"complaint_id":"6637715","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"United Revenue Corporation","date_received":"2023-03-03T00:42:11.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["or she agreed to pay the <em>creditor</em>, and, as this is a medical account, a copy of any HIPAA authorization."]},"sort":[14.42206,"6637715"]},{"_index":"complaint-public-v1","_id":"7742032","_score":14.1741085,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This complaint is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies. \nThis is not a refusal to pay, but a notice that your claim is disputed. \nThe following agency XXXX XXXX XXXX and the following Original Creditor Name XXXX XXXX XXXX  XXXX Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt. \nPlease attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. \nThe term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. \nPlease note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXXXXXX  interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. \nPlease also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. \nPlease also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. \nI require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim. \nIn the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of Florida medical privacy rules . \nI also hereby reserve my right to take private civil action against you to recover damages.","date_sent_to_company":"2023-10-24T04:03:55.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32305","tags":null,"has_narrative":true,"complaint_id":"7742032","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-10-24T04:03:53.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I require <em>compliance</em> with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim."]},"sort":[14.1741085,"7742032"]},{"_index":"complaint-public-v1","_id":"7742237","_score":14.152689,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This complaint is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies. \nThis is not a refusal to pay, but a notice that your claim is disputed. \nThe following agency COMMONWEALTH FINANCIAL SYSTEMS and the following Original Creditor Name XXXX XXXX XXXX XXXX Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt. \nPlease attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. \nThe term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. \nPlease note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. \nPlease also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. \nPlease also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. \nI require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim. \nIn the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of Florida medical privacy rules . \nI also hereby reserve my right to take private civil action against you to recover damages.","date_sent_to_company":"2023-10-24T04:03:44.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32305","tags":null,"has_narrative":true,"complaint_id":"7742237","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Commonwealth Financial Systems, Inc.","date_received":"2023-10-24T03:54:09.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I require <em>compliance</em> with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim."]},"sort":[14.152689,"7742237"]},{"_index":"complaint-public-v1","_id":"6926881","_score":14.133944,"_source":{"product":"Debt collection","complaint_what_happened":"I have no knowledge of what i am being charged for. And have requested information multiple times from this company. \n\nThis is not a refusal to pay, but a notice that your claim is disputed. \n\nUnder the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. \n\nPlease attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.\n\nThe term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. \n\nPlease note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. \n\nPlease also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization.\n\nPlease also be advised that this letter is not only a formal dispute, but a request that you cease and desist all collection activities, including reporting of ; or verifying of this account on my credit reports. \n\nI require compliance with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim. \n\nIn the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX, and State Bar associations for violations of the FDCPS, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of state medical privacy rules. \n\nI also hereby reserve my right to take private civil action against you to recover damages.","date_sent_to_company":"2023-05-03T17:28:58.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Medical debt","zip_code":"33027","tags":null,"has_narrative":true,"complaint_id":"6926881","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HCFS Healthcare Financial Services of TeamHealth","date_received":"2023-05-03T17:19:54.000Z","state":"FL","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["I require <em>compliance</em> with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim."]},"sort":[14.133944,"6926881"]},{"_index":"complaint-public-v1","_id":"3835851","_score":14.133944,"_source":{"product":"Debt collection","complaint_what_happened":"This is not a refusal to pay, but a notice that your claim is disputed. \nUnder the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and that there is some contractual obligation which is binding on me to pay this debt. \nPlease attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.The term breach of  security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX.. \nAgreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. \nPlease also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. \nYour receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. \nIn the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion and illegal collection activities on any account that may be time-barred as well as in violation of TEXAS medical privacy rules. \nI also hereby reserve my right to take private civil action against you to recover damages.","date_sent_to_company":"2020-09-08T21:11:31.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"77063","tags":null,"has_narrative":true,"complaint_id":"3835851","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Phoenix Financial Services LLC","date_received":"2020-09-08T21:03:27.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the <em>creditor</em> and as this is a medical account a copy of any HIPAA authorization. \nPlease also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, <em>including</em> reporting of ; or verifying of this account on my credit reports."]},"sort":[14.133944,"3835851"]},{"_index":"complaint-public-v1","_id":"4798520","_score":14.115208,"_source":{"product":"Debt collection","complaint_what_happened":"This is not a refusal to pay, but a notice that your claim is disputed. \n\nUnder the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. \n\nPlease attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC.13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. \n\nThe term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. \n\nPlease note the enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XXXX, XXXX, XXXX. \n\nPlease also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account, a copy of any HIPAA authorization. \n\nPlease be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. \n\nI require compliance with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim. \n\nIn the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State, & Federal authorities, the CFPB, BBB and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of Kansas medical privacy rules XXXX \n\nI also hereby reserve my right to take private civil action against you to recover damages","date_sent_to_company":"2021-10-10T04:21:42.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"67401","tags":null,"has_narrative":true,"complaint_id":"4798520","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Berlin-Wheeler, Inc. (Kansas)","date_received":"2021-10-10T04:17:45.000Z","state":"KS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["I require <em>compliance</em> with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim."]},"sort":[14.115208,"4798520"]},{"_index":"complaint-public-v1","_id":"7753627","_score":14.114896,"_source":{"product":"Debt collection","complaint_what_happened":"This letter is being sent to you in response to your recent letter. This is not a refusal to pay, but a notice that your claim is disputed. \nUnder the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. \nPlease attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. \nThe term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. \nPlease note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XXXX   interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XXXX XXXX XXXX \nPlease also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. \nPlease also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. \nI require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. \nIn the event of noncompliance, I reserve the right to file charges XXXX or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB XXXX XXXX and State Bar associations for violations of the FDCPA, FCRA , and Federal and State statutes on illegal collection activities on any account that may be time- barred as well as in violation of [ name of your State ] medical privacy rules. \nI also hereby reserve my right to take private civil action against you to recover damages. \n\nSincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2023-10-26T03:38:11.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"33313","tags":null,"has_narrative":true,"complaint_id":"7753627","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Adjusters, LLC","date_received":"2023-10-26T03:11:24.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["or she agreed to pay the <em>creditor</em> and as this is a medical account a copy of any HIPAA authorization."]},"sort":[14.114896,"7753627"]},{"_index":"complaint-public-v1","_id":"5304800","_score":14.114896,"_source":{"product":"Debt collection","complaint_what_happened":"To Whom It May Concern : This letter is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies. This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt. Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective 09/23/2013 interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. I require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on youXXXX HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of Virginia medical privacy rules XXXX I also hereby reserve my right to take private civil action against you to recover damages.","date_sent_to_company":"2022-03-10T07:10:05.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"23503","tags":"Servicemember","has_narrative":true,"complaint_id":"5304800","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Io, Inc.","date_received":"2022-03-10T02:02:17.000Z","state":"VA","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["I require <em>compliance</em> with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim."]},"sort":[14.114896,"5304800"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":303,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":303}]}},"product":{"doc_count":303,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt collection","doc_count":127,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Medical debt","doc_count":52},{"key":"Credit card debt","doc_count":35},{"key":"I do not know","doc_count":17},{"key":"Mortgage debt","doc_count":8},{"key":"Auto debt","doc_count":7},{"key":"Federal student loan debt","doc_count":4},{"key":"Other debt","doc_count":2},{"key":"Medical","doc_count":1},{"key":"Private student loan debt","doc_count":1}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":117,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":115},{"key":"Other personal consumer report","doc_count":2}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":30,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":30}]}},{"key":"Vehicle loan or lease","doc_count":8,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":8}]}},{"key":"Checking or savings account","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":4},{"key":"Other banking product or service","doc_count":1}]}},{"key":"Credit 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loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":1}]}},{"key":"Student loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Private student loan","doc_count":1}]}}]}},"issue":{"doc_count":303,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Improper use of your report","doc_count":73,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":72},{"key":"Credit inquiries on your report that you don't recognize","doc_count":1}]}},{"key":"Written notification about debt","doc_count":65,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive enough information to verify debt","doc_count":55},{"key":"Didn't receive notice of right to 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