{"took":106,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":54,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2104648","_score":24.355919,"_source":{"product":"Debt collection","complaint_what_happened":"I gave all XXXX credit reporting agency 's over 60 days by certified mail and did not get my original signature of the accounts to finds its validation but not verification but the 3 rd party and the XXXX credit bureaus are violating my privacy rights under hipaa law on ongoing dates I never signed or gave written hipaa release to this 3 rd party collector to get all my medical information that 's invasion of privacy I contacted and filled out a complaint with XXXX online also.","date_sent_to_company":"2016-09-09T06:14:09.000Z","issue":"Improper contact or sharing of info","sub_product":"Medical","zip_code":"93552","tags":null,"has_narrative":true,"complaint_id":"2104648","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Designed Receivable Solutions, Inc.","date_received":"2016-09-09T06:14:08.000Z","state":"CA","company_public_response":null,"sub_issue":"Contacted me instead of my attorney"},"highlight":{"complaint_what_happened":["I <em>gave</em> all XXXX credit reporting agency 's over 60 days by certified mail and did not get my original signature of the accounts to finds its validation but not verification but the 3 rd party and the XXXX credit bureaus are <em>violating</em> my <em>privacy</em> rights under <em>hipaa</em> law on ongoing dates I <em>never</em> signed or <em>gave</em> written <em>hipaa</em> release to this 3 rd party collector to get all my medical information that 's invasion of <em>privacy</em> I contacted and filled out a complaint with XXXX online also."]},"sort":[24.355919,"2104648"]},{"_index":"complaint-public-v1","_id":"4166687","_score":22.228243,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX  XXXX  account did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information to the credit bureaus they are in VIOLATION of my HIPAA rights. XXXX XXXX XXXX XXXX account is VIOLATING The HIPPA Acts of XXXX by providing and disclosing personal information to XXXX & TRANSUNION. This is a violation of my consumer right to privacy by having XXXX XXXX XXXX listed on my credit report. This is a violation of the law 15 USC 1681-Congressional finding and statement of purpose. XXXX XXXX XXXX XXXX, XXXX, and TransUnion are violating my privacy and fairness by having these negative collection account on my credit report. I never gave authorization for it to be on my credit report. These companies are treating me unfairly and being impartial to me knowing they are in VIOLATION of the law but yet still having this negative account on my credit reports.","date_sent_to_company":"2021-02-26T06:23:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76903","tags":null,"has_narrative":true,"complaint_id":"4166687","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-02-26T01:23:11.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["This is a <em>violation</em> of the law 15 USC 1681-Congressional finding and statement of purpose. XXXX XXXX XXXX XXXX, XXXX, and TransUnion are <em>violating</em> my <em>privacy</em> and fairness by having these negative collection account on my credit report. I <em>never</em> <em>gave</em> authorization for it to be on my credit report. These companies are treating me unfairly and being impartial to me knowing they are in <em>VIOLATION</em> of the law but yet still having this negative account on my credit reports."]},"sort":[22.228243,"4166687"]},{"_index":"complaint-public-v1","_id":"4166711","_score":22.135384,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Paramount Recovery Systems Collections account did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information to the credit bureaus they are in VIOLATION of my HIPAA rights. Paramount Recovery Systems Collections account is VIOLATING The HIPPA Acts of 1996 by providing and disclosing personal information to XXXX & XXXX. This is a violation of my consumer right to privacy by having Paramount Recovery System listed on my credit report. This is a violation of the law 15 USC 1681-Congressional finding and statement of purpose. Paramount Recovery Systems Collection, XXXX, and XXXX are violating my privacy and fairness by having these negative collection account on my credit report. I never gave authorization for it to be on my credit report. These companies are treating me unfairly and being impartial to me knowing they are in VIOLATION of the law but yet still having this negative account on my credit reports.","date_sent_to_company":"2021-02-26T06:22:56.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76903","tags":null,"has_narrative":true,"complaint_id":"4166711","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paramount Recovery Systems, L.P.","date_received":"2021-02-26T00:18:02.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["This is a <em>violation</em> of the law 15 USC 1681-Congressional finding and statement of purpose. Paramount Recovery Systems Collection, XXXX, and XXXX are <em>violating</em> my <em>privacy</em> and fairness by having these negative collection account on my credit report. I <em>never</em> <em>gave</em> authorization for it to be on my credit report. These companies are treating me unfairly and being impartial to me knowing they are in <em>VIOLATION</em> of the law but yet still having this negative account on my credit reports."]},"sort":[22.135384,"4166711"]},{"_index":"complaint-public-v1","_id":"5835076","_score":21.648157,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My HIPAA rights were violated by Radius Global Solutions LLC. As an attempt to validate and collect debt for XXXX XXXX XXXX XXXX, the company Radius Global Solutions LLC sent me copies of my medical procedures and diagnosis from XXXX. I never signed or gave permission to Radius Global Solutions LLC to obtain this information and it is a direct violation of my HIPAA & privacy rights. I request that Radius Global Solutions LLC cease and remove all reports on my credit accounts/bureau. \n\nRadius Global Solutions LLC XXXX XXXX XXXX XXXX XXXX XXXX, MN, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX","date_sent_to_company":"2022-08-02T16:16:40.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11550","tags":null,"has_narrative":true,"complaint_id":"5835076","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Radius Global Solutions LLC","date_received":"2022-08-02T15:40:25.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["My <em>HIPAA</em> rights were <em>violated</em> by Radius Global Solutions LLC. As an attempt to validate and collect debt for XXXX XXXX XXXX XXXX, the company Radius Global Solutions LLC sent me copies of my medical procedures and diagnosis from XXXX. I <em>never</em> signed or <em>gave</em> permission to Radius Global Solutions LLC to obtain this information and it is a direct <em>violation</em> of my <em>HIPAA</em> & <em>privacy</em> rights. I request that Radius Global Solutions LLC cease and remove all reports on my credit accounts/bureau."]},"sort":[21.648157,"5835076"]},{"_index":"complaint-public-v1","_id":"5290807","_score":21.640362,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Experian XXXX XXXX XXXX XXXXXXXX, TX XXXX To whom it may concern, Intent to file lawsuit, HIPAA Privacy Violation I, XXXX XXXX, never gave EXPERIAN any verbal or written consent to report anything on my consumer report. \n\nValidation Letter sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. \n\nXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & EXPERIAN Did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. \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 ARIZONA medical privacy rules XXXX \n\nXXXX XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, & XXXX Did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. \n\nAs a consumer, I am demanding a deletion of the following accounts as you do not have my consent to furnish anything on my consumer report pursuant to 15 USC 1681b, The following 7 transactions are also against my individual right to privacy : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Sincerely, XXXX XXXX","date_sent_to_company":"2022-03-06T17:28:14.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85042","tags":null,"has_narrative":true,"complaint_id":"5290807","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-03-06T17:20:08.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Experian XXXX XXXX XXXX XXXXXXXX, TX XXXX To whom it may concern, Intent to file lawsuit, <em>HIPAA</em> <em>Privacy</em> <em>Violation</em> I, XXXX XXXX, <em>never</em> <em>gave</em> EXPERIAN any verbal or written consent to report anything on my consumer report."]},"sort":[21.640362,"5290807"]},{"_index":"complaint-public-v1","_id":"5290805","_score":21.598694,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Trans Union LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern, Intent to file lawsuit, HIPAA Privacy Violation I, XXXX XXXX, never gave TransUnion any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. \n\nValidation Letter sent to : XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. \n\nXXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. \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 ARIZONA medical privacy rules XXXX \n\nXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX -- XXXX XXXX XXXX, & TRANSUNION Did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. \n\nAs a consumer, I am demanding a deletion of the following account as you do not have my consent to furnish anything on my consumer report, The following 4 transactions are also against my individual right to privacy : XXXX XXXX -- XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX","date_sent_to_company":"2022-03-06T17:18:41.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85042","tags":null,"has_narrative":true,"complaint_id":"5290805","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-03-06T17:18:35.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XX/XX/XXXX Trans Union LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern, Intent to file lawsuit, <em>HIPAA</em> <em>Privacy</em> <em>Violation</em> I, XXXX XXXX, <em>never</em> <em>gave</em> TransUnion any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute."]},"sort":[21.598694,"5290805"]},{"_index":"complaint-public-v1","_id":"5290799","_score":21.598694,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Trans Union LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX To whom it may concern, Intent to file lawsuit, HIPAA Privacy Violation I, XXXX XXXX, never gave TransUnion any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. \n\nValidation Letter sent to : XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. \n\nXXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX  & XXXX -- XXXX XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. \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 ARIZONA medical privacy rules XXXX \n\nXXXX XXXX, XXXX XXXXS -- XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX -- XXXX XXXX XXXX, & TRANSUNION Did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. \n\nAs a consumer, I am demanding a deletion of the following account as you do not have my consent to furnish anything on my consumer report, The following 4 transactions are also against my individual right to privacy : XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Sincerely, XXXX XXXX","date_sent_to_company":"2022-03-06T17:18:27.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85042","tags":null,"has_narrative":true,"complaint_id":"5290799","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-03-06T17:03:44.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XX/XX/XXXX Trans Union LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX To whom it may concern, Intent to file lawsuit, <em>HIPAA</em> <em>Privacy</em> <em>Violation</em> I, XXXX XXXX, <em>never</em> <em>gave</em> TransUnion any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute."]},"sort":[21.598694,"5290799"]},{"_index":"complaint-public-v1","_id":"5290812","_score":21.00049,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XX/XX/2022 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern, Intent to file lawsuit, HIPAA Privacy Violation I, XXXX XXXX, never gave EQUIFAX any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. \n\nValidation Letter sent to : XXXX XXXX, XXXX XXXX, XXXX & XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA.\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 ARIZONA medical privacy rules XXXX \n\nXXXX XXXX -- XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX, & EQUIFAX Did NOT provide me a HIPAA XXXXelease that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. \n\n\nAs a consumer, I am demanding a deletion of the following accounts as you do not have my consent to furnish anything on my consumer report pursuant to 15 USC 1681b, The following 8 transactions are also against my individual right to privacy : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX -- XXXX XXXX XXXX Sincerely, XXXX XXXX","date_sent_to_company":"2022-03-06T17:36:29.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85042","tags":null,"has_narrative":true,"complaint_id":"5290812","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-03-06T17:36:25.000Z","state":"AZ","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX XX/XX/2022 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern, Intent to file lawsuit, <em>HIPAA</em> <em>Privacy</em> <em>Violation</em> I, XXXX XXXX, <em>never</em> <em>gave</em> EQUIFAX any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute."]},"sort":[21.00049,"5290812"]},{"_index":"complaint-public-v1","_id":"5290813","_score":20.966867,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XX/XX/2022 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern, Intent to file lawsuit, HIPAA Privacy Violation I, XXXX XXXX, never gave EQUIFAX any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. \n\nValidation Letter sent to : XXXX XXXX, XXXX XXXX, XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. \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 XXXX medical privacy rules XXXX \n\nXXXX XXXX -- XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX, & EQUIFAX Did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. \n\n\nAs a consumer, I am demanding a deletion of the following accounts as you do not have my consent to furnish anything on my consumer report pursuant to 15 USC 1681b, The following 8 transactions are also against my individual right to privacy : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX -- XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX -- XXXX XXXX XXXX Sincerely, XXXX XXXX","date_sent_to_company":"2022-03-06T17:36:29.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85042","tags":null,"has_narrative":true,"complaint_id":"5290813","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-03-06T17:36:25.000Z","state":"AZ","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX XX/XX/2022 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern, Intent to file lawsuit, <em>HIPAA</em> <em>Privacy</em> <em>Violation</em> I, XXXX XXXX, <em>never</em> <em>gave</em> EQUIFAX any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute."]},"sort":[20.966867,"5290813"]},{"_index":"complaint-public-v1","_id":"5290810","_score":20.966867,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XX/XX/2022 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern, Intent to file lawsuit, HIPAA Privacy Violation I, XXXX XXXX, never gave EQUIFAX any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. \n\nValidation Letter sent to : XXXX XXXX, XXXX XXXX, XXXX & XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. \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 ARIZONA medical privacy rules XXXX \n\nXXXX XXXX -- XXXX XXXX, XXXX XXXX XXXX -- XXXX XXXX XXXX, & EQUIFAX Did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. \n\n\nAs a consumer, I am demanding a deletion of the following accounts as you do not have my consent to furnish anything on my consumer report pursuant to 15 USC 1681b, The following 8 transactions are also against my individual right to privacy : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX -- XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX -- XXXX XXXX XXXX Sincerely, XXXX XXXX","date_sent_to_company":"2022-03-06T17:36:19.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85042","tags":null,"has_narrative":true,"complaint_id":"5290810","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-03-06T17:29:59.000Z","state":"AZ","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX XX/XX/2022 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern, Intent to file lawsuit, <em>HIPAA</em> <em>Privacy</em> <em>Violation</em> I, XXXX XXXX, <em>never</em> <em>gave</em> EQUIFAX any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute."]},"sort":[20.966867,"5290810"]},{"_index":"complaint-public-v1","_id":"6059179","_score":20.450958,"_source":{"product":"Debt collection","complaint_what_happened":"I was charged for dental services I never received. I canceled the appointment but the credit company charged me for the services even before the appointment, refused to remove the charge from the credit card and close the account. I never wanted the card. I feel the dentist forces the process on the patient under duress situations. I scheduled for a routine cleaning and was charged for something totally different. \n\nI contacted the company to resolve this debt and was informed that it was a medical debt that was given to a third party without my permission. \n\nThis HIPAA covered entity and their business associates shared my medical information without my permission or having signed a medical release. My privacy has been violated, security and records have been breached.\n\nI am requesting they provide me with a validation of the debt and my address that is on this bill. My claim is a dispute and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ). I would also like to have proof that this contract is valid. \n\nPlease stop reporting this violation to my credit report until this has been fully validated. I did not give consent to have my private, medical info shared. \n\nThe HIPAA covered entity provide debt validation for the bill in question. \nPlease provide a breakdown of all itemized costs. \n\nCopy of my signature on a release showing that I gave permission for my information to be shared. \n\n\nAffidavit under the penalty of perjury that you have not violated my HIPAA, FCRA, FDCPA rights have not been violated.","date_sent_to_company":"2022-10-06T19:04:28.000Z","issue":"Threatened to contact someone or share information improperly","sub_product":"Medical debt","zip_code":"65201","tags":null,"has_narrative":true,"complaint_id":"6059179","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CLGF Holdco 1, LLC","date_received":"2022-10-06T19:04:24.000Z","state":"MO","company_public_response":null,"sub_issue":"Contacted you after you asked them to stop"},"highlight":{"complaint_what_happened":["Affidavit under the penalty of perjury that you have not <em>violated</em> my <em>HIPAA</em>, FCRA, FDCPA rights have not been <em>violated</em>."]},"sort":[20.450958,"6059179"]},{"_index":"complaint-public-v1","_id":"6397893","_score":20.068043,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To Equifax, After reviewing my consumer report today XX/XX/2023 i noticed your company is reporting an alleged medical debt from XXXX XXXX XXXX. This is direct violation of HIPAA privacy rule as i never gave XXXX XXXX XXXX any written documentation to release my personal medical information to you or anyone else. \n\nI request this account be permanently deleted immediately. \nOr Provide me documentation within 30 days of this notice, showing my written request to release my medical information to your company. \n\nRegards, XXXX","date_sent_to_company":"2023-01-04T19:44:31.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33313","tags":null,"has_narrative":true,"complaint_id":"6397893","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-01-04T19:37:20.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This is direct <em>violation</em> of <em>HIPAA</em> <em>privacy</em> rule as i <em>never</em> <em>gave</em> XXXX XXXX XXXX any written documentation to release my personal medical information to you or anyone else. \n\nI request this account be permanently deleted immediately. \nOr Provide me documentation within 30 days of this notice, showing my written request to release my medical information to your company. \n\nRegards, XXXX"]},"sort":[20.068043,"6397893"]},{"_index":"complaint-public-v1","_id":"10761020","_score":19.022676,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"According to HIPAA, medical bills can not be included in a consumer report because they may disclose protected health information, which is confidential under federal law. Including these bills on a credit report without my explicit authorization is a violation of my privacy rights under HIPAA, as well as the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy and privacy of consumer information. \n\nI also want to emphasize that I never gave XXXX XXXX permission to sell, share, or transfer my non-public personal information, nor did I authorize Nationwide Recovery Services to purchase, receive, or use this information. Such unauthorized handling of my private information constitutes aggravated identity theft under 18 USC 1028A. In addition, According to IRS guidelines, an unpaid charge-off qualifies as income, and under the FCRA, income should not appear on a credit report. I am formally requesting a 1099-C ( Cancellation of Debt ) from XXXX XXXX XXXX XXXX Creditor ), for the charged-off accounts listed below : Nationwide Recovery Services - XXXX I am demanding the immediate removal of all medical debt related to these accounts from my credit report. Failure to comply with this request will result in any necessary legal action to protect my rights.","date_sent_to_company":"2024-11-11T16:44:52.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"303XX","tags":"Servicemember","has_narrative":true,"complaint_id":"10761020","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"Accscient, LLC","date_received":"2024-11-11T16:44:49.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["According to <em>HIPAA</em>, medical bills can not be included in a consumer report because they may disclose protected health information, which is confidential under federal law. Including these bills on a credit report without my explicit authorization is a <em>violation</em> of my <em>privacy</em> rights under <em>HIPAA</em>, as well as the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy and <em>privacy</em> of consumer information."]},"sort":[19.022676,"10761020"]},{"_index":"complaint-public-v1","_id":"3824373","_score":18.716593,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. \n\nFOR XXXX 1. The high credit or original amount is being reported inaccurately and inconsistently. This is not making any sense to me why the information is totally different for each bureau report. \nXXXX Account Number : XXXX Delete this account for reporting inaccurate information. \n2. Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule. \nXXXX Account Number : XXXX REMOVE THIS MEDICAL ACCOUNT FOR HIPPA VIOLATION 3. Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule and I never gave your permission to do so. \nXXXX Account Number : XXXX DELETE THIS! \n4. Do you have authorization to report sensitive medical records to my personal credit file? \nXXXX XXXX Account Number : XXXX Your agency must provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws. Otherwise, you need to remove this from my credit IMMEDIATELY! \nXXXX. Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule XXXX XXXX Account Number : XXXX REMOVE THIS MEDICAL ACCOUNT FOR HIPPA VIOLATION 6.  Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule XXXX XXXX XXXX Account Number : XXXX Your agency must provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws. If you can't, take this off my credit at once! \n7. Your agency must provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws. \nXXXX XXXX XXXX Account Number : XXXX REMOVE THIS MEDICAL ACCOUNT IN VIOLATION OF THE HIPPA LAWS.\n\n8. Your agency must provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws. \nXXXX Account Number : XXXX If you have no proof that you have my consent, DELETE THIS NOW! \n9. This is a collection account and should not have and balance associated with it. I am looking at a balance in the amount of {$170.00}. Why and how did that happen? \nXXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. \n\nFOR Experian 1. The high credit or original amount is being reported inaccurately and inconsistently. This is not making any sense to me why the information is totally different for each bureau report. \nXXXX/XXXX Account Number : XXXX Delete this account for reporting inaccurate information. \n2. This is a collection account so balance should be {$0.00} but I am looking at a balance amount of {$2000.00}. It is not making any sense! \nXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. \n3. Do you have authorization to report sensitive medical records to my personal credit file? \nXXXX XXXX Account Number : XXXX Your agency must provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws. Otherwise, you need to remove this from my credit IMMEDIATELY! \n4. Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule XXXX XXXX Account Number : XXXX REMOVE THIS MEDICAL ACCOUNT FOR HIPPA VIOLATION 5.  Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule XXXX XXXX XXXX Account Number : XXXX Your agency must provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws. If you can't, take this off my credit at once! \n6. Your agency must provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws. \nXXXX XXXX XXXX Account Number : XXXX REMOVE THIS MEDICAL ACCOUNT IN VIOLATION OF THE HIPPA LAWS. \n7. Your agency must provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws. \nXXXX Account Number : XXXX If you have no proof that you have my consent, DELETE THIS NOW! \n8. This is a collection account and should not have and balance associated with it. I am looking at a balance in the amount of {$170.00}. Why and how did that happen? \nXXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. \n9. Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule XXXX Account Number : XXXX REMOVE THIS MEDICAL ACCOUNT FOR HIPPA VIOLATION 10.  Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule XXXX Account Number : XXXX DELETE THIS! \n\nFOR XXXX 1. The high credit or original amount is being reported inaccurately and inconsistently. This is not making any sense to me why the information is totally different for each bureau report. \nXXXX/XXXX Account Number : XXXX Delete this account for reporting inaccurate information. \n2. Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule XXXX Account Number : XXXX REMOVE THIS MEDICAL ACCOUNT FOR HIPPA VIOLATION 3.  Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule XXXX Account Number : XXXX DELETE THIS! \n4. This is a collection account so balance should be {$0.00} but I am looking at a balance amount of {$2000.00}. It is not making any sense! \nXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. \n5. Do you have authorization to report sensitive medical records to my personal credit file? \nXXXX XXXX Account Number : XXXX Your agency must provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws. Otherwise, you need to remove this from my credit IMMEDIATELY! \n6. Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule XXXX XXXX Account Number : XXXX REMOVE THIS MEDICAL ACCOUNT FOR HIPPA VIOLATION 7. Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule XXXX XXXX XXXX Account Number : XXXX Your agency must provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws. If you can't, take this off my credit at once! \n8. Your agency must provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws. \nXXXX XXXX XXXX Account Number : XXXX REMOVE THIS MEDICAL ACCOUNT IN VIOLATION OF THE HIPPA LAWS.\n\n9. Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule and I never gave you permission to do so. \nXXXX Account Number : XXXX If you have no proof that you have my consent, DELETE THIS NOW! \n10. This is a collection account and should not have and balance associated with it. I am looking at a balance in the amount of {$170.00}. Why and how did that happen? \nXXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.","date_sent_to_company":"2020-09-01T16:36:10.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"08611","tags":null,"has_narrative":true,"complaint_id":"3824373","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-09-01T16:36:06.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Medical Accounts should not be reported because it is a breach of HIPPA <em>Privacy</em> Rule. \nXXXX Account Number : XXXX REMOVE THIS MEDICAL ACCOUNT FOR HIPPA <em>VIOLATION</em> 3. Medical Accounts should not be reported because it is a breach of HIPPA <em>Privacy</em> Rule and I <em>never</em> <em>gave</em> your permission to do so. \nXXXX Account Number : XXXX DELETE THIS! \n4. Do you have authorization to report sensitive medical records to my personal credit file?"]},"sort":[18.716593,"3824373"]},{"_index":"complaint-public-v1","_id":"3824378","_score":18.644056,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To Whom It May Concern : On XX/XX/2020, XXXX, TransUnion, and XXXX  are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. \n\nFOR XXXX 1. The high credit or original amount is being reported inaccurately and inconsistently. This is not making any sense to me why the information is totally different for each bureau report. \nXXXX/XXXX Account Number : XXXX Delete this account for reporting inaccurate information. \n2. Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule. \nXXXX Account Number : XXXX REMOVE THIS MEDICAL ACCOUNT FOR HIPPA VIOLATION 3. Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule and I never gave your permission to do so. \nXXXX Account Number : XXXX DELETE THIS! \n4. Do you have authorization to report sensitive medical records to my personal credit file? \nXXXX XXXX Account Number : XXXX Your agency must provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws. Otherwise, you need to remove this from my credit IMMEDIATELY! \n5. Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule XXXX XXXX Account Number : XXXX REMOVE THIS MEDICAL ACCOUNT FOR HIPPA VIOLATION 6. Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule XXXX XXXX XXXX Account Number : XXXX Your agency must provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws. If you can't, take this off my credit at once! \n7. Your agency must provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws. \nXXXX XXXX XXXX Account Number : XXXX REMOVE THIS MEDICAL ACCOUNT IN VIOLATION OF THE HIPPA LAWS. \n8. Your agency must provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws. \nXXXX Account Number : XXXX If you have no proof that you have my consent, DELETE THIS NOW! \n9. This is a collection account and should not have and balance associated with it. I am looking at a balance in the amount of {$170.00}. Why and how did that happen? \nXXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. \n\nFOR XXXX 1. The high credit or original amount is being reported inaccurately and inconsistently. This is not making any sense to me why the information is totally different for each bureau report. \nXXXX/XXXX Account Number : XXXX Delete this account for reporting inaccurate information. \n2. This is a collection account so balance should be {$0.00} but I am looking at a balance amount of {$2000.00}. It is not making any sense! \nXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. \n3. Do you have authorization to report sensitive medical records to my personal credit file? \nXXXX XXXX Account Number : XXXX Your agency must provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws. Otherwise, you need to remove this from my credit IMMEDIATELY! \n4. Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule XXXX XXXX  Account Number : XXXX REMOVE THIS MEDICAL ACCOUNT FOR HIPPA VIOLATION 5.  Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule XXXX XXXX XXXX Account Number : XXXX Your agency must provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws. If you can't, take this off my credit at once! \n6. Your agency must provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws. \nXXXX XXXX XXXX Account Number : XXXX REMOVE THIS MEDICAL ACCOUNT IN VIOLATION OF THE HIPPA LAWS. \n7. Your agency must provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws. \nXXXX Account Number : XXXX If you have no proof that you have my consent, DELETE THIS NOW! \n8. This is a collection account and should not have and balance associated with it. I am looking at a balance in the amount of {$170.00}. Why and how did that happen? \nXXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. \n9. Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule XXXX Account Number : XXXX REMOVE THIS MEDICAL ACCOUNT FOR HIPPA VIOLATION 10.  Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule XXXX Account Number : XXXX DELETE THIS! \n\nFOR TransUnion 1. The high credit or original amount is being reported inaccurately and inconsistently. This is not making any sense to me why the information is totally different for each bureau report. \nXXXX/XXXX Account Number : XXXX Delete this account for reporting inaccurate information. \n2. Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule XXXX Account Number : XXXX REMOVE THIS MEDICAL ACCOUNT FOR HIPPA VIOLATION 3.  Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule XXXX Account Number : XXXX DELETE THIS! \n4. This is a collection account so balance should be {$0.00} but I am looking at a balance amount of {$2000.00}. It is not making any sense! \nXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. \n5. Do you have authorization to report sensitive medical records to my personal credit file? \nXXXX XXXX Account Number : XXXX Your agency must provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws. Otherwise, you need to remove this from my credit IMMEDIATELY! \n6. Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule XXXX XXXX  Account Number : XXXX REMOVE THIS MEDICAL ACCOUNT FOR HIPPA VIOLATION 7.  Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule XXXX XXXXXXXX XXXX Account Number : XXXX Your agency must provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws. If you can't, take this off my credit at once! \n8. Your agency must provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws. \nXXXX XXXX XXXX Account Number : XXXX REMOVE THIS MEDICAL ACCOUNT IN VIOLATION OF THE HIPPA LAWS. \n9. Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule and I never gave you permission to do so. \nXXXX Account Number : XXXX If you have no proof that you have my consent, DELETE THIS NOW! \n10. This is a collection account and should not have and balance associated with it. I am looking at a balance in the amount of {$170.00}. Why and how did that happen? \nXXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.","date_sent_to_company":"2020-09-01T16:36:10.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"08611","tags":null,"has_narrative":true,"complaint_id":"3824378","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-09-01T16:36:06.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Medical Accounts should not be reported because it is a breach of HIPPA <em>Privacy</em> Rule. \nXXXX Account Number : XXXX REMOVE THIS MEDICAL ACCOUNT FOR HIPPA <em>VIOLATION</em> 3. Medical Accounts should not be reported because it is a breach of HIPPA <em>Privacy</em> Rule and I <em>never</em> <em>gave</em> your permission to do so. \nXXXX Account Number : XXXX DELETE THIS! \n4. Do you have authorization to report sensitive medical records to my personal credit file?"]},"sort":[18.644056,"3824378"]},{"_index":"complaint-public-v1","_id":"2844852","_score":17.865753,"_source":{"product":"Debt collection","complaint_what_happened":"On or around XXXX 2017, an erroneous medical collections appeared on my credit reports from Capio Partners. They are now the 3rd or 4th company that has attempted to re-age and re-report this debt that does not belong to me.\n\nThe reason I am contacting CFPB is because : NO CONTRACT/INVALID CONTRACT/HIPAA VIOLATIONS/FDCPA VIOLATIONS/DEBT RE-AGING/INVALID INFORMATION I have not received any paperwork from Capio Partners. Instead, I have received harassing phone calls. I have attempted numerous times when they have called me to ask for debt validation and also asked them to stop calling me. I still have been receiving harassing phone calls. I still have received NO paperwork or debt validation from Capio Partners, showing that I signed any contract with their company. \n\nThis violates my consumer rights under the FDCPA. I have been keeping track and they have violated my rights over 10 times -- according to the FDCPA, I am entitled to {$1000.00} per violation, should I decide to pursue my legal options.\n\nAdditionally, IF Capio Partners were to produce ANY paperwork related to this supposed medical debt, they would also be in violation of HIPAA patient privacy laws. I have never had a contract with Capio Partners in the past, present or future and never authorized or gave my expressed consent to give them access to any and all medical records, which are not limited to and also include medical billing statement for myself or any dependents in the past, present or future. I do NOT have any contracts with Capio Parnters.\n\nThey are in clear violation of the FDCPA and HIPAA.\n\nI am requesting that they : 1 ) Immediately cease and desist from all collection attempts on this account, now and in the future, including but not limited to ceasing and desisting from re-selling or re-aging this debt to another company 2 ) Immediately remove this account from all of my credit bureaus and reports, namely XXXX, XXXX  and XXXX  now and cease and desist from any and all attempts to place it back on there in the future If my request is not immediately complied with, I will be contacting an attorney to pursue my legal options.","date_sent_to_company":"2018-03-15T14:10:36.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"48047","tags":null,"has_narrative":true,"complaint_id":"2844852","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Capio Partners, LLC","date_received":"2018-03-15T13:34:41.000Z","state":"MI","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I have <em>never</em> had a contract with Capio Partners in the past, present or future and <em>never</em> authorized or <em>gave</em> my expressed consent to give them access to any and all medical records, which are not limited to and also include medical billing statement for myself or any dependents in the past, present or future. I do NOT have any contracts with Capio Parnters.\n\nThey are in clear <em>violation</em> of the FDCPA and <em>HIPAA</em>."]},"sort":[17.865753,"2844852"]},{"_index":"complaint-public-v1","_id":"4923282","_score":17.442762,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing this complaint because I believe my consumer rights have been violated. Upon reviewing my credit report I noticed Merchants & Medical was reporting 3 alleged debts that I did not give them permission to report. \n\nAccording to 15 USC 1681b - Permissible purposes of consumer reports, any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. This is also a violation of 15 USC 1681 ( a ) ( 4 ) infringed Upon a Consumers Right to Privacy. \n\nI did not give this company permission to share my private information with any credit reporting agencies. They violated FDCPA 15 USC 1692c ( b ) I sent Merchants and Medical a certified letter on XX/XX/2021, according to tracking information they received on XX/XX/2021. In my communication with them, I demanded they send me 3 things Validation of the debt - that is the actual accounting.\n\nVerification of the claim against me ; that is, a signed invoice.\n\nA copy of the contract binding both parties ( Merchants & Medical and myself ), in a letter by certified mail so that there is an independent witness to having been delivered. \nI received their response 5 days later stating that the debts were already validated and that their duties were fulfilled. They also sent me a copy of a medical procedure Type summary & transcript of medical procedures which is NOT Validation. \n\nAccording to Federal rules of evidence, Rule 1002. Proper evidence means Requirement of the Original its defined as - An original writing, recording, or photograph is required in order to prove its content unless these rules or a federal statute provides otherwise. \n\nThe medical procedure Type summary & transcript of medical procedures they sent me is a violation of HIPAA - infringing on a consumer 's right to privacy. \n\nI have never signed a HIPAA release form to release my private medical records to Merchants & Medical which makes this a HIPAA violation. HIPAA protects my privacy and medical records from being used without my consent. So they violated 42 USC 1320d-9 ( b ) ( 3 ). No consent means identity theft! \n\nThey also violated 15 USC 1692B ( 5 ) by using the phrase, This is an attempt to collect a debt and any information obtained will be used for that purpose. \n\nIn my communication with Merchants & medical dated XX/XX/2021 I gave this collection company clear instructions to properly validate this debt, send me a list of all parties their company has shared my information with, also a cease and desist in which they ignored and failed to comply with which is a violation of 15 USC 1692c ( c ) so I'm submitting my complaint also demanding the accounts be removed within ( 7 ) days as well as seeking remedy in monetary relief for the emotional damage and physical anxiety, this has caused me. I also hereby reserve my right to take private civil action against Merchants & Medical to recover damages.","date_sent_to_company":"2021-11-17T09:14:59.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"48439","tags":null,"has_narrative":true,"complaint_id":"4923282","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Merchants and Medical Credit Corporation, Inc.","date_received":"2021-11-17T03:25:14.000Z","state":"MI","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["The medical procedure Type summary & transcript of medical procedures they sent me is a <em>violation</em> of <em>HIPAA</em> - infringing on a consumer 's right to <em>privacy</em>. \n\nI have <em>never</em> signed a <em>HIPAA</em> release form to release my private medical records to Merchants & Medical which makes this a <em>HIPAA</em> <em>violation</em>. <em>HIPAA</em> protects my <em>privacy</em> and medical records from being used without my consent. So they <em>violated</em> 42 USC 1320d-9 ( b ) ( 3 ). No consent means identity theft!"]},"sort":[17.442762,"4923282"]},{"_index":"complaint-public-v1","_id":"6835957","_score":17.14084,"_source":{"product":"Debt collection","complaint_what_happened":"I had disputed this debt with XXXX and sent them certified mail that they were not to collect my bills as it was a HIPPA violation. They dismissed the debt, but the company sold my debt to another third party. Again, this violates my HIPPA rights as I never gave XXXX XXXX XXXX Permission or Acute Care Specialists PLLC, XXXX XXXX XXXX XXXX, or Cascade Capital Funding , LLC to sell my debt to a third party. Furthermore. I am allowed under the HIPAA law ( XXXX XXXX Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX for them to release my medical information to a third party nor did I give XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MN, XXXX Permission to sell my debt to Cascade Capital Funding , LLC XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX CA XXXX. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patient 's authorization, therefore my request is twofold and as follows : I am requesting that the HIPAA covered entity or its business associate provide debt validation for an account in question. Please provide that validation in the form of agreement, and original bill, and a detailed statement of procedures is required, if any. \nPlease provide a breakdown of fees, including any collection costs and medical charges, if any. \nPlease provide a copy of my signature with the provider of service to release my medical information to. \nPlease provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer, if any. \nCease any credit bureau reporting until the debt has been validated by me. \nPlease provide me with a verited certificate of authority, and proof that your company is licensed to collect debt in my state. Kindly provide me with a license number and registered agent or agent of service Finally, please provide an affidavit signed under penalty of perjury that your organization has not violated any portion of the FCRA, FIDCPA, or HIPAA. \n\nPlease send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request of which I am allowed under the FDCPA. \n\nPlease note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. \n\nFurthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. \n\nI await your reply with the above requested proof. Upon receiving it. I will correspond back with you by certified mail. \n\nKind regards, XXXX XXXX","date_sent_to_company":"2023-04-13T22:03:31.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"759XX","tags":null,"has_narrative":true,"complaint_id":"6835957","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Cascade Capital, LLC","date_received":"2023-04-13T21:47:59.000Z","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 was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["I had disputed this debt with XXXX and sent them certified mail that they were not to collect my bills as it was a HIPPA <em>violation</em>. They dismissed the debt, but the company sold my debt to another third party. Again, this <em>violates</em> my HIPPA rights as I <em>never</em> <em>gave</em> XXXX XXXX XXXX Permission or Acute Care Specialists PLLC, XXXX XXXX XXXX XXXX, or Cascade Capital Funding , LLC to sell my debt to a third party. Furthermore."]},"sort":[17.14084,"6835957"]},{"_index":"complaint-public-v1","_id":"13279476","_score":16.825018,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am disputing a collection account being reported by Wakefield & Associates on my credit file. I previously submitted a dispute with XXXX  and they responded stating the account was verified. However, I have not received any documentation from Wakefield & Associates proving the debt is valid. \n\nWakefield & Associates has not provided proper validation of the debt, including a signed contract, full itemized statement, or proof that they are legally authorized to collect. Under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I have the right to request verification of the debt and to dispute inaccurate or unverifiable items. \n\nAdditionally, this appears to be a medical debt. I never gave consent for any personal health-related information to be shared with a third-party debt collector or reported to the credit bureaus, which may also be a violation of HIPAA privacy protections. \n\nThe continued reporting of this unverifiable account is a violation of my consumer rights. The fact that XXXX marked the account as verified without actual documentation is deeply concerning, as I still have not received any verification directly from Wakefield & Associates.","date_sent_to_company":"2025-05-01T14:14:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30236","tags":null,"has_narrative":true,"complaint_id":"13279476","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"W&A Intermediate Co., LLC","date_received":"2025-05-01T13:59:44.000Z","state":"GA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I <em>never</em> <em>gave</em> consent for any personal health-related information to be shared with a third-party debt collector or reported to the credit bureaus, which may also be a <em>violation</em> of <em>HIPAA</em> <em>privacy</em> protections. \n\nThe continued reporting of this unverifiable account is a <em>violation</em> of my consumer rights. The fact that XXXX marked the account as verified without actual documentation is deeply concerning, as I still have not received any verification directly from Wakefield & Associates."]},"sort":[16.825018,"13279476"]},{"_index":"complaint-public-v1","_id":"12658435","_score":16.4567,"_source":{"product":"Debt collection","complaint_what_happened":"I am disputing a debt reported by Aldous & Associates PLLC, which was allegedly transferred from XXXX XXXX XXXX XXXX. I was hospitalized during this time and have documentation to prove that I had no access to email or electronic communication and could not receive or respond to any notices. \n\nI never received a validation of this debt despite requesting it multiple times. This violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, which requires debt collectors to provide full verification of the debt upon request.\n\nI also never gave Cottage Row permission to assign or sell my account to a third-party collector. This unauthorized transfer is a violation of my consumer privacy and possibly my HIPAA rights, as this situation involves my protected medical status during the time the alleged debt collection process began. \n\nI have never agreed to pay Aldous & Associates, and they have provided no proof of a valid contract or agreement that binds me to them. No legally binding terms or signed agreements were ever presented. \n\nThis collection account was reported to my credit file without my consent, without proper notice, and without validation. It has caused damage to my credit and personal hardship. I am requesting this account be removed immediately from all credit reporting bureaus until it is fully validated, and that an investigation be opened into how this debt was transferred and reported without proper documentation or legal authority.","date_sent_to_company":"2025-03-25T17:12:15.000Z","issue":"Written notification about debt","sub_product":"Rental debt","zip_code":"30117","tags":null,"has_narrative":true,"complaint_id":"12658435","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Aldous & Associates, PLLC","date_received":"2025-03-25T16:55:34.000Z","state":"GA","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["This unauthorized transfer is a <em>violation</em> of my consumer <em>privacy</em> and possibly my <em>HIPAA</em> rights, as this situation involves my protected medical status during the time the alleged debt collection process began. \n\nI have <em>never</em> agreed to pay Aldous & Associates, and they have provided no proof of a valid contract or agreement that binds me to them. No legally binding terms or signed agreements were ever presented."]},"sort":[16.4567,"12658435"]},{"_index":"complaint-public-v1","_id":"7971722","_score":16.412952,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This account is fraudulent remove it immediately. Victim of identity Theft, see credit report statement. As of XX/XX/XXXX have not received any information about this collection reporting for XXXX on all 3 Credit bureau reports. \nThis is a medical collections, this is being reported fraudulently. This is a HIPPA violation. My personal information was stolen I have no knowledge of this fraudulent debt. I disputed this account and it came back verified. How is this account being verified? \nAdditionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. \nI have never done business With XXXX XXXX XXXX Nor gave this third party debt collector access to my medical records. This is violation of federal law. \nDemand documentation on how this fraudulent Debt is being validated. \nValidation of Debt and HIPPA Release Authorization. \nPlease provide a breakdown of fees including any collection costs and medical charges Provide a copy of my signature with the provider of service to release my medical information to XXXX XXXX XXXX. \nXXXX XXXX XXXX collection has failed to provide any of above documentation had over 60 days to respond. Demand Credit bureau Remove this fraudulent collection before legal action is taken and HIPPA violation is filed.","date_sent_to_company":"2023-12-08T19:11:16.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"322XX","tags":null,"has_narrative":true,"complaint_id":"7971722","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-12-08T18:08:56.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This is a HIPPA <em>violation</em>. My personal information was stolen I have no knowledge of this fraudulent debt. I disputed this account and it came back verified. How is this account being verified? \nAdditionally, I am allowed under the <em>HIPAA</em> law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my <em>privacy</em> and medical records from third parties. \nI have <em>never</em> done business With XXXX XXXX XXXX Nor <em>gave</em> this third party debt collector access to my medical records."]},"sort":[16.412952,"7971722"]},{"_index":"complaint-public-v1","_id":"7972520","_score":16.391693,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This account is fraudulent remove it immediately. Victim of identity Theft, see credit report statement. As of XX/XX/XXXX have not received any information about this collection reporting for XXXX on all 3 Credit bureau reports. \nThis is a medical collections, this is being reported fraudulently. This is a HIPPA violation. My personal information was stolen I have no knowledge of this fraudulent debt. I disputed this account and it came back verified. How is this account being verified? \nAdditionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties.\n\nI have never done business With Professional Finance Company Nor gave this third party debt collector access to my medical records. This is violation of federal law. \nDemand documentation on how this fraudulent Debt is being validated.\n\nValidation of Debt and HIPPA Release Authorization. \nPlease provide a breakdown of fees including any collection costs and medical charges Provide a copy of my signature with the provider of service to release my medical information to Professional Finance Company.\n\nProfessional Finance Company collection has failed to provide any of above documentation had over 60 days to respond. Demand Credit bureau Remove this fraudulent collection before legal action is taken and HIPPA violation is filed.","date_sent_to_company":"2023-12-08T19:11:35.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"322XX","tags":null,"has_narrative":true,"complaint_id":"7972520","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-12-08T19:11:31.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have <em>never</em> done business With Professional Finance Company Nor <em>gave</em> this third party debt collector access to my medical records. This is <em>violation</em> of federal law. \nDemand documentation on how this fraudulent Debt is being validated.\n\nValidation of Debt and HIPPA Release Authorization."]},"sort":[16.391693,"7972520"]},{"_index":"complaint-public-v1","_id":"7972519","_score":16.356941,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This account is fraudulent remove it immediately. Victim of identity Theft, see credit report statement. As of XX/XX/XXXX have not received any information about this collection reporting for XXXX on all 3 Credit bureau reports. \nThis is a medical collections, this is being reported fraudulently. This is a HIPPA violation. My personal information was stolen I have no knowledge of this fraudulent debt. I disputed this account and it came back verified. How is this account being verified?\n\nAdditionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties.\n\nI have never done business With Professional Finance Company Nor gave this third party debt collector access to my medical records. This is violation of federal law. \nDemand documentation on how this fraudulent Debt is being validated. \nValidation of Debt and HIPPA XXXX XXXX. \nPlease provide a breakdown of fees including any collection costs and medical charges Provide a copy of my signature with the provider of service to release my medical information to Professional Finance Company.\n\nProfessional Finance Company collection has failed to provide any of above documentation had over 60 days to respond. Demand Credit bureau Remove this fraudulent collection before legal action is taken and HIPPA violation is filed.","date_sent_to_company":"2023-12-08T19:11:35.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"322XX","tags":null,"has_narrative":true,"complaint_id":"7972519","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Professional Finance Company, Inc.","date_received":"2023-12-08T19:11:31.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This is a HIPPA <em>violation</em>. My personal information was stolen I have no knowledge of this fraudulent debt. I disputed this account and it came back verified. How is this account being verified?\n\nAdditionally, I am allowed under the <em>HIPAA</em> law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my <em>privacy</em> and medical records from third parties."]},"sort":[16.356941,"7972519"]},{"_index":"complaint-public-v1","_id":"4401615","_score":15.85859,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have contacted the below companies requesting detailed information regarding the alleged debt owed. I never gave XXXX XXXX  XXXX or XXXX XXXX permission to release my information to a third party. I asked the collection agencies to provide proof that I signed documentation releasing my personal medical history. I also forwarded a copy to the credit bureaus and they did not follow through with the proper investigation. XXXX XXXX XXXX and XXXX XXXX refused to contact the insurance company to receive payment of services yet has elected to push the responsibility on me. I provided the information from XXXX and they said they never heard back to send payment information. I have attached proof from XXXX regarding my hospital claim for XX/XX/XXXX. The collection agency did not provide proper proof as requested in detailed letter dated XX/XX/XXXX. This was my third request. I have attached the documents I received regarding XXXX XXXXXXXX. I never received any follow up information from XXXX XXXX or XXXX XXXX \n\nPer HIPPA they do need permission to share my medical information, you have and sent a copy of my medical treatment. You did not just provide a dollar amount you disclosed my full medical record in your response which I did not release permission for you to have. You also did NOT give me proper written notification giving me 30 days to validate the debt. You just added it to my report which is another violation. I have disputed this many times and youre not providing me with the contents of my requests which is why I will keep disputing every month until I get what I requested next time it will be in a court room. If you cant comply to the below request you must cease and desist reporting to the credit bureaus. \n\nAdditionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. \n\nPlease provide breakdown of fees including any collection costs and medical charges. \nProvide a copy of my signature with the provider of service to release my medical information to you. \nCease any credit bureau reporting until the debt has been validated by me. \n\nPlease send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. \n\nAdditionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2021-05-24T13:46:08.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20770","tags":null,"has_narrative":true,"complaint_id":"4401615","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-05-24T13:46:04.000Z","state":"MD","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( <em>HIPAA</em> ) to protect my <em>privacy</em> and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the <em>HIPAA</em> does allows the release of limited information about me but anything more is to only be revealed with the patients authorization."]},"sort":[15.85859,"4401615"]},{"_index":"complaint-public-v1","_id":"4401616","_score":15.794782,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have contacted the below companies requesting detailed information regarding the alleged debt owed. I never gave XXXX XXXX  XXXX or XXXX XXXX permission to release my information to a third party. I asked the collection agencies to provide proof that I signed documentation releasing my personal medical history. I also forwarded a copy to the credit bureaus and they did not follow through with the proper investigation. XXXX XXXX  XXXX and XXXX XXXX refused to contact the insurance company to receive payment of services yet has elected to push the responsibility on me. I provided the information from XXXX and they said they never heard back to send payment information. I have attached proof from XXXX regarding my hospital claim for XX/XX/XXXX. The collection agency did not provide proper proof as requested in detailed letter dated XX/XX/XXXX. This was my third request. I have attached the documents I received regarding XXXX  XXXX. I never received any follow up information from XXXX XXXX or XXXX XXXX \n\nPer HIPPA they do need permission to share my medical information, you have and sent a copy of my medical treatment. You did not just provide a dollar amount you disclosed my full medical record in your response which I did not release permission for you to have. You also did NOT give me proper written notification giving me 30 days to validate the debt. You just added it to my report which is another violation. I have disputed this many times and youre not providing me with the contents of my requests which is why I will keep disputing every month until I get what I requested next time it will be in a court room. If you cant comply to the below request you must cease and desist reporting to the credit bureaus. \n\nAdditionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. \n\nPlease provide breakdown of fees including any collection costs and medical charges. \nProvide a copy of my signature with the provider of service to release my medical information to you. \nCease any credit bureau reporting until the debt has been validated by me. \n\nPlease send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. \n\nAdditionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2021-05-24T13:46:08.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20770","tags":null,"has_narrative":true,"complaint_id":"4401616","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-05-24T13:46:04.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( <em>HIPAA</em> ) to protect my <em>privacy</em> and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the <em>HIPAA</em> does allows the release of limited information about me but anything more is to only be revealed with the patients authorization."]},"sort":[15.794782,"4401616"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":54,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":54}]}},"product":{"doc_count":54,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":29,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":29}]}},{"key":"Debt collection","doc_count":14,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Medical debt","doc_count":11},{"key":"Medical","doc_count":2},{"key":"Rental debt","doc_count":1}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":10,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":9},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Money order, traveler's check or cashier's check","doc_count":1}]}}]}},"issue":{"doc_count":54,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Improper use of your report","doc_count":15,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":14},{"key":"Credit inquiries on your report that you don't recognize","doc_count":1}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":15,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":11},{"key":"Investigation took more than 30 days","doc_count":4}]}},{"key":"Incorrect information on your report","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":4},{"key":"Account information incorrect","doc_count":3}]}},{"key":"Written notification about debt","doc_count":5,"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":5}]}},{"key":"Attempts to collect debt not owed","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":2},{"key":"Debt was already discharged in bankruptcy and is no longer owed","doc_count":1},{"key":"Debt was result of identity theft","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Investigation took more than 30 days","doc_count":1},{"key":"Was not notified of investigation status or results","doc_count":1}]}},{"key":"Communication tactics","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Frequent or repeated calls","doc_count":1}]}},{"key":"Disclosure verification of debt","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Right to dispute notice not received","doc_count":1}]}},{"key":"False statements or representation","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":1}]}},{"key":"Improper contact or sharing of info","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Contacted me instead of my attorney","doc_count":1}]}},{"key":"Problem with customer service","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Threatened to contact someone or share information improperly","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Contacted you after you asked them to stop","doc_count":1}]}}]}},"timely":{"doc_count":54,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":52},{"key":"No","doc_count":2}]}},"company_response":{"doc_count":54,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":39},{"key":"Closed with non-monetary relief","doc_count":14},{"key":"Untimely 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