{"took":228,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":87,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"5290807","_score":24.113619,"_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":["In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your <em>HIPAA</em> <em>violations</em> and <em>appropriate</em> <em>County</em>, <em>State</em> & Federal authorities, the CFPB, XXXX  and <em>State</em> Bar associations for <em>violations</em> of the FDCPA, FCRA, and Federal and <em>State</em> statutes on illegal collection activities on any account that may be time-barred as well as <em>violation</em> of ARIZONA medical privacy rules XXXX \n\nXXXX XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, & XXXX Did NOT"]},"sort":[24.113619,"5290807"]},{"_index":"complaint-public-v1","_id":"5290805","_score":24.070438,"_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":["In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your <em>HIPAA</em> <em>violations</em> and <em>appropriate</em> <em>County</em>, <em>State</em> & Federal authorities, the CFPB, XXXX and <em>State</em> Bar associations for <em>violations</em> of the FDCPA, FCRA, and Federal and <em>State</em> statutes on illegal collection activities on any account that may be time-barred as well as <em>violation</em> of ARIZONA medical privacy rules XXXX \n\nXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX -- XXXX XXXX"]},"sort":[24.070438,"5290805"]},{"_index":"complaint-public-v1","_id":"5290799","_score":24.070438,"_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":["In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your <em>HIPAA</em> <em>violations</em> and <em>appropriate</em> <em>County</em>, <em>State</em> & Federal authorities, the CFPB, XXXX  and <em>State</em> Bar associations for <em>violations</em> of the FDCPA, FCRA, and Federal and <em>State</em> statutes on illegal collection activities on any account that may be time-barred as well as <em>violation</em> of ARIZONA medical privacy rules XXXX \n\nXXXX XXXX, XXXX XXXXS -- XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX -- XXXX XXXX"]},"sort":[24.070438,"5290799"]},{"_index":"complaint-public-v1","_id":"5290812","_score":23.573648,"_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":["In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your <em>HIPAA</em> <em>violations</em> and <em>appropriate</em> <em>County</em>, <em>State</em> & Federal authorities, the CFPB, XXXX and <em>State</em> Bar associations for <em>violations</em> of the FDCPA, FCRA, and Federal and <em>State</em> statutes on illegal collection activities on any account that may be time-barred as well as <em>violation</em> of ARIZONA medical privacy rules XXXX \n\nXXXX XXXX -- XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX, & EQUIFAX Did NOT provide me"]},"sort":[23.573648,"5290812"]},{"_index":"complaint-public-v1","_id":"5290813","_score":23.507113,"_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":["In the event of noncompliance, I reserve the right to file charges and/or complaints with the XXXX  on your <em>HIPAA</em> <em>violations</em> and <em>appropriate</em> <em>County</em>, <em>State</em> & Federal authorities, the CFPB, XXXX and <em>State</em> Bar associations for <em>violations</em> of the FDCPA, FCRA, and Federal and <em>State</em> statutes on illegal collection activities on any account that may be time-barred as well as <em>violation</em> of XXXX medical privacy rules XXXX \n\nXXXX XXXX -- XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX, & EQUIFAX Did NOT provide me"]},"sort":[23.507113,"5290813"]},{"_index":"complaint-public-v1","_id":"5290810","_score":23.507113,"_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":["In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your <em>HIPAA</em> <em>violations</em> and <em>appropriate</em> <em>County</em>, <em>State</em> & Federal authorities, the CFPB, XXXX and <em>State</em> Bar associations for <em>violations</em> of the FDCPA, FCRA, and Federal and <em>State</em> statutes on illegal collection activities on any account that may be time-barred as well as <em>violation</em> of ARIZONA medical privacy rules XXXX \n\nXXXX XXXX -- XXXX XXXX, XXXX XXXX XXXX -- XXXX XXXX XXXX, & EQUIFAX Did NOT provide"]},"sort":[23.507113,"5290810"]},{"_index":"complaint-public-v1","_id":"4791934","_score":20.246288,"_source":{"product":"Debt collection","complaint_what_happened":"To Whom It May Concern, This letter is being sent to you in response to your recent letter. This is 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 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. 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 11/30/2009 and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective July 1, 2010. HIPAA Collection Agency Validation, Dispute, Cease & Desist This letter is to notify the agency that the debt is beyond SOL, or is invalid for other reasons, and subject to the HIPAA privacy laws. \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. 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 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 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 Florida medical privacy rules. I also hereby reserve my right to take private civil action against you to recover damages ... I AM REFUSING TO PAY THIS ACCOUNT","date_sent_to_company":"2021-10-08T16:13:37.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"33028","tags":null,"has_narrative":true,"complaint_id":"4791934","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HCFS Healthcare Financial Services of TeamHealth","date_received":"2021-10-08T16:02:42.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["In the event of noncompliance, I reserve the right to file charges and/ or complaints with the OCR on your <em>HIPAA</em> <em>violations</em> and <em>appropriate</em> <em>County</em>, <em>State</em> & Federal authorities, the CFPB , XXXX  and <em>State</em> Bar associations for <em>violations</em> of the FDCPA, FCRA , and Federal and <em>State</em> statutes on illegal collection activities on any account that may be time barred as well as in <em>violation</em> of Florida medical privacy rules."]},"sort":[20.246288,"4791934"]},{"_index":"complaint-public-v1","_id":"4817251","_score":20.108149,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing this complaint against United Revenue Corporation : ACCOUNT : XXXX, XXXX, XXXX the original creditor was Texas Medicine Resources. The collection company of United Revenue Corporation violated my HIPPA rights and as consumer I am afforded protection. There in non-compliance of FCRA SEC 605 ( c ) and the FDCPA SEC 809 ( b ) major violations. 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 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 11/30/2009 and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. HIPAA Collection Agency Validation, Dispute, Cease & Desist .This letter is to notify the agencies that your company are violating Federal, State , FRCA and FDCPA. You also have violated HIPPAA policy law. 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 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, 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 Florida medical privacy rules. I also hereby reserve my right to have this information deleted from my credit report immediately or private civil action against you to recover damages. \n\nPlease find documents attached","date_sent_to_company":"2021-10-18T00:38:53.000Z","issue":"False statements or representation","sub_product":"Medical debt","zip_code":"76039","tags":null,"has_narrative":true,"complaint_id":"4817251","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"United Revenue Corporation","date_received":"2021-10-17T23:40:40.000Z","state":"TX","company_public_response":null,"sub_issue":"Impersonated attorney, law enforcement, or government official"},"highlight":{"complaint_what_happened":["In the event of noncompliance, I reserve the right to file charges and/ or complaints with the OCR on your <em>HIPAA</em> <em>violations</em> and <em>appropriate</em> <em>County</em>, <em>State</em> & Federal authorities, the CFPB, and <em>State</em> Bar associations for <em>violations</em> of the FDCPA, FCRA , and Federal and <em>State</em> statutes on illegal collection activities on any account that may be time barred as well as in <em>violation</em> of Florida medical privacy rules."]},"sort":[20.108149,"4817251"]},{"_index":"complaint-public-v1","_id":"2756130","_score":20.098703,"_source":{"product":"Debt collection","complaint_what_happened":"GLA is constantly breaking the law in attempt to collect debt. They are illegally obtained my medical notes, and XXXX XXXX illegally released medical notes without my consent. I sent numerous certified letters asking for GLA to contact me in which no one has. \n\nNo 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 was sent to me. \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/XXXX/XXXX 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 and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XXXX XXXX, XXXX. \n\n\nNothing 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 was sent to me.\n\nI requested that GLA cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. In which they never replied and I know they received my disputes as it was sent certified mail. \n\n\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 Kentucky medical privacy rules. \nI also hereby reserve my right to take private civil action against you to recover damages.","date_sent_to_company":"2017-12-15T15:47:50.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"402XX","tags":null,"has_narrative":true,"complaint_id":"2756130","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GLA Collection Company, Inc.","date_received":"2017-12-15T15:32:46.000Z","state":"KY","company_public_response":null,"sub_issue":"Notification didn't disclose it was an attempt to collect a debt"},"highlight":{"complaint_what_happened":["In the event of noncompliance, I reserve the right to file charges and/ or complaints with the OCR on your <em>HIPAA</em> <em>violations</em> and <em>appropriate</em> <em>County</em>, <em>State</em> & Federal authorities, the CFPB , BBB and <em>State</em> Bar associations for <em>violations</em> of the FDCPA, FCRA, and Federal and <em>State</em> statutes on illegal collection activities on any account that may be time-barred as well as in <em>violation</em> of Kentucky medical privacy rules."]},"sort":[20.098703,"2756130"]},{"_index":"complaint-public-v1","_id":"4178203","_score":19.960545,"_source":{"product":"Debt collection","complaint_what_happened":"I have contacted the collection company and XXXX disputing this debt many, many times. I have requested information under FCRA, asking XXXX to provide me with proof and documentation of their verification process, and also I have requested the collection agency to provide me with documentation bearing my signature showing This debt belongs to me with an agreement, signed showing I supposedly owe this money. All attempts have failed. This collection agency and hospital has also violated my rights Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe you. I have requested proof that I am indeed the party they 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 also be advised that this complaint is not only a formal dispute, but a request that they cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. \nI require compliance and a response to this compliant, 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 illegal collection activities on any account that may be time- barred as well as in violation of state medical privacy rules. \nI also hereby reserve my right to take private civil action against the hospital and collection agency to recover damages.","date_sent_to_company":"2021-03-16T15:55:55.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"4178203","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Advanced Collection Bureau, Inc.","date_received":"2021-03-03T02:00:49.000Z","state":"VA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["In the event of noncompliance, I reserve the right to file charges and/ or complaints with the OCR on your <em>HIPAA</em> <em>violations</em> and <em>appropriate</em> <em>County</em>, <em>State</em> & Federal authorities, the XXXX and <em>State</em> Bar associations for <em>violations</em> of the FDCPA, FCRA, and Federal and <em>State</em> statutes on illegal collection activities on any account that may be time- barred as well as in <em>violation</em> of <em>state</em> medical privacy rules."]},"sort":[19.960545,"4178203"]},{"_index":"complaint-public-v1","_id":"7595058","_score":19.60676,"_source":{"product":"Debt collection","complaint_what_happened":"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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Inaccuracies and HIPAA Violation To Whom It May Concern : This letter is being sent to you in response to your recent letter. \nThis 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 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 \nHIPAA Collection Agency Validation, Dispute, Cease & Desist This letter is to notify the agency that the debt is beyond SOL, or is invalid for other reasons, and subject to the HIPAA privacy laws. \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. \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 and/ or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB XXXX XXXX  and XXXX XXXX XXXX for violations of the FDCPA, FCRA XXXX 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. \nSincerely, XXXX XXXX","date_sent_to_company":"2023-09-23T19:29:17.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"30253","tags":"Servicemember","has_narrative":true,"complaint_id":"7595058","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Capio Partners, LLC","date_received":"2023-09-23T19:07:57.000Z","state":"GA","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["In the event of noncompliance, I reserve the right to file charges and/ or complaints with the OCR on your <em>HIPAA</em> <em>violations</em> and <em>appropriate</em> <em>County</em>, <em>State</em> & Federal authorities, the CFPB XXXX XXXX  and XXXX XXXX XXXX for <em>violations</em> of the FDCPA, FCRA XXXX and Federal and <em>State</em> statutes on illegal collection activities on any account that may be time barred as well as in <em>violation</em> of [ name of your <em>State</em> ] medical privacy rules."]},"sort":[19.60676,"7595058"]},{"_index":"complaint-public-v1","_id":"10205478","_score":19.252865,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/XXXX, I submitted a form to Ability Recovery Services requesting contact and sent a debt validation letter asking them to verify the debt they reported to XXXX, XXXX, and XXXX. They did this without notifying me or allowing me to dispute it, as required by the FDCPA before reporting to credit agencies. Ability Recovery Services violated the FDCPA. I've been keeping records for a consumer law attorney due to multiple attempts to address this issue with the company. It has been well over 45 days for this company to respond. Requested information : Your fraudulent verification of an unknown medical account on my credit report This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act, I have the right to request a validation of the debt that you allege I owe. I am hereby formally requesting proof that I am indeed the correct party responsible to pay this debt and there is a contractual obligation which binds me to pay this debt.\n\nPlease furnish legible copies of the following : 1. Formal agreement between you and your client that identifies that you have the authority to collect this alleged debt or proof of acquisition by purchase or assignment of this alleged debt.\n\n2. Agreement that bears my signature wherein I agreed to pay the health care provider along with the required HIPAA authorization.\n\n3. Be advised that this letter is a formal dispute and a demand that all collection activities cease and desist. Collection activities include verifying and/or reporting of this account as per the federal trade commission 4 . Compliance with the terms and conditions of this letter within 30 days is expected or supply me with a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities , the BBB 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 being subject to the HIPAA and Georgia medical privacy rules . I also hereby reserve the right to pursue civil action to recover damages.","date_sent_to_company":"2024-09-22T22:54:32.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"31069","tags":null,"has_narrative":true,"complaint_id":"10205478","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ability Recovery Services, LLC","date_received":"2024-09-22T22:30:35.000Z","state":"GA","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 notice of right to dispute"},"highlight":{"complaint_what_happened":["In the event of noncompliance, I reserve the right to file charges and/or complaints with <em>appropriate</em> <em>County</em>, <em>State</em> & Federal authorities , the BBB and <em>State</em> Bar associations for <em>violations</em> of the FDCPA, FCRA, and Federal and <em>State</em> statutes on fraudulent extortion and illegal collection activities on any account that may be time-barred as well as being subject to the <em>HIPAA</em> and Georgia medical privacy rules . I also hereby reserve the right to pursue civil action to recover damages."]},"sort":[19.252865,"10205478"]},{"_index":"complaint-public-v1","_id":"4796505","_score":19.158525,"_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":["In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your <em>HIPAA</em> <em>violations</em> and <em>appropriate</em> <em>County</em>, <em>State</em>, & Federal authorities, the CFPB, XXXX  and <em>State</em> Bar associations for <em>violations</em> of the FDCPA, FCRA, and Federal and <em>State</em> statutes on illegal collection activities on any account that may be time-barred as well as in <em>violation</em> of Kansas medical privacy rules XXXX \n\nI also hereby reserve my right to take private civil action against you to recover"]},"sort":[19.158525,"4796505"]},{"_index":"complaint-public-v1","_id":"4806405","_score":19.046913,"_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":["In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your <em>HIPAA</em> <em>violations</em> and <em>appropriate</em> <em>County</em>, <em>State</em>, & Federal authorities, the CFPB, XXXX  and <em>State</em> Bar associations for <em>violations</em> of the FDCPA, FCRA, and Federal and <em>State</em> statutes on illegal collection activities on any account that may be time-barred as well as in <em>violation</em> of Wisconsin medical privacy rules XXXX \n\nI also hereby reserve my right to take private civil action against you to recover"]},"sort":[19.046913,"4806405"]},{"_index":"complaint-public-v1","_id":"4797678","_score":19.046913,"_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":["In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your <em>HIPAA</em> <em>violations</em> and <em>appropriate</em> <em>County</em>, <em>State</em>, & Federal authorities, the CFPB, XXXX  and <em>State</em> Bar associations for <em>violations</em> of the FDCPA, FCRA, and Federal and <em>State</em> statutes on illegal collection activities on any account that may be time-barred as well as in <em>violation</em> of Kansas medical privacy rules ."]},"sort":[19.046913,"4797678"]},{"_index":"complaint-public-v1","_id":"6926881","_score":18.928345,"_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":["In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your <em>HIPAA</em> <em>violations</em> and <em>appropriate</em> <em>County</em>, <em>State</em> & Federal authorities, the CFPB, XXXX, and <em>State</em> Bar associations for <em>violations</em> of the FDCPS, FCRA, and Federal and <em>State</em> statutes on illegal collection activities on any account that may be time-barred as well as in <em>violation</em> of <em>state</em> medical privacy rules."]},"sort":[18.928345,"6926881"]},{"_index":"complaint-public-v1","_id":"7753627","_score":18.846912,"_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":["In the event of noncompliance, I reserve the right to file charges XXXX or complaints with the OCR on your <em>HIPAA</em> <em>violations</em> and <em>appropriate</em> <em>County</em>, <em>State</em> & Federal authorities, the CFPB XXXX XXXX and <em>State</em> Bar associations for <em>violations</em> of the FDCPA, FCRA , and Federal and <em>State</em> statutes on illegal collection activities on any account that may be time- barred as well as in <em>violation</em> of [ name of your <em>State</em> ] medical privacy rules."]},"sort":[18.846912,"7753627"]},{"_index":"complaint-public-v1","_id":"4528329","_score":18.821346,"_source":{"product":"Debt collection","complaint_what_happened":"My name is XXXX XXXX XXXX am writing this complaint against FOCUS FINANCIAL SERVICES : ACCOUNT : XXXX, the original creditor was XXXX XXXX XXXX XXXX XXXX \nThe collection company of Focus Financial Services have violated my HIPPA rights and as consumer I am afforded protection. There in non-compliance of FCRA SEC 605 ( c ) and the FDCPA SEC 809 ( b ) major violations. I wrote a certified letter on XX/XX/XXXX and the received the letter on XX/XX/XXXX but no response. They still have this negative item showing on my credit report. I have reported them to the Attorney General 's Office here in the state of Florida. Who told me they have receive many complaints against this collection company harassing and threating residents of Florida. So, they told me as resident to file this complaint if they do not delete this item of my credit report in the next 15 days to call back to there office. So they want me to gather the following documents : 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. \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. 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 11/30/2009 and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective July 1, 2010. HIPAA Collection Agency Validation, Dispute, Cease & Desist .This letter is to notify the agencies that your company are violating Federal, State XXXX FRCA and FDCPA. You also have violated HIPPAA policy law. \n\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. 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. \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 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 Florida medical privacy rules. \nI also hereby reserve my right to have this information deleted from my credit report immediately or private civil action against you to recover damages.","date_sent_to_company":"2021-07-09T15:17:32.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"334XX","tags":null,"has_narrative":true,"complaint_id":"4528329","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Palm Beach Credit Adjustors, Inc","date_received":"2021-07-09T14:57:00.000Z","state":"FL","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["In the event of noncompliance, I reserve the right to file charges and/ or complaints with the OCR on your <em>HIPAA</em> <em>violations</em> and <em>appropriate</em> <em>County</em>, <em>State</em> & Federal authorities, the CFPB , XXXX and <em>State</em> Bar associations for <em>violations</em> of the FDCPA, FCRA, and Federal and <em>State</em> statutes on illegal collection activities on any account that may be time barred as well as in <em>violation</em> of Florida medical privacy rules."]},"sort":[18.821346,"4528329"]},{"_index":"complaint-public-v1","_id":"4798520","_score":18.678911,"_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":["In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your <em>HIPAA</em> <em>violations</em> and <em>appropriate</em> <em>County</em>, <em>State</em>, & Federal authorities, the CFPB, BBB and <em>State</em> Bar associations for <em>violations</em> of the FDCPA, FCRA, and Federal and <em>State</em> statutes on illegal collection activities on any account that may be time-barred as well as in <em>violation</em> of Kansas medical privacy rules XXXX \n\nI also hereby reserve my right to take private civil action against you to recover"]},"sort":[18.678911,"4798520"]},{"_index":"complaint-public-v1","_id":"5107140","_score":18.671892,"_source":{"product":"Debt collection","complaint_what_happened":"This letter 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. \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. \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 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, 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 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 Minnesota medical privacy rules XXXX \nI also hereby reserve my right to take private civil action against you to recover damages.","date_sent_to_company":"2022-01-14T05:51:55.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"55021","tags":null,"has_narrative":true,"complaint_id":"5107140","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"American Accounts & Advisers, Inc.","date_received":"2022-01-14T00:46:35.000Z","state":"MN","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["In the event of noncompliance, I reserve the right to file charges and/or complaints with the XXXX on your <em>HIPAA</em> <em>violations</em> and <em>appropriate</em> <em>County</em>, <em>State</em> & Federal authorities, the CFPB, XXXX and <em>State</em> Bar associations for <em>violations</em> of the FDCPA, FCRA, and Federal and <em>State</em> statutes on illegal collection activities on any account that may be time-barred as well as <em>violation</em> of Minnesota medical privacy rules XXXX \nI also hereby reserve my right to take private civil action against you to recover"]},"sort":[18.671892,"5107140"]},{"_index":"complaint-public-v1","_id":"4542815","_score":18.660263,"_source":{"product":"Debt collection","complaint_what_happened":"My name is XXXX XXXX I am writing this complaint against GLA COLLECTION COMPANY INC : ACCOUNTS # : XXXX & XXXX. The collection company of GLA COLLECTION COMPANY INC have violated my HIPPA rights and as consumer I am afforded protection. There in non-compliance of FCRA SEC 605 ( c ) and the FDCPA SEC 809 ( b ) major violations. I wrote a certified letter on XX/XX/XXXX and the received the letter on XX/XX/XXXX but no response. They still have this negative item showing on my credit report. I have reported them to the Attorney General 's Office here in the state of Indiana. Told me that this company is not license to collect in the state and they have no register agent. So, they are committing FRAUD and violating Federal and State laws. They also told me they have receive many complaints against this collection company harassing and threating residents of Indiana. So, they told me as resident to file this complaint if they do not delete this item of my credit report in the next 15 days to call back to there office. So they want me to gather the following documents : 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 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. HIPAA Collection Agency Validation, Dispute, Cease & Desist .This letter is to notify the agencies that your company are violating Federal, State , FRCA and FDCPA. You also have violated Federal and State law by trying to collect in state that you are not license nor have a registered agent. You are committing FRAUD so you should immediately delete these items from my credit report.. 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 15 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 Indiana medical privacy rules. I also hereby reserve my right to have this information deleted from my credit report immediately or private civil action against you to recover damages.","date_sent_to_company":"2021-07-14T20:51:15.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"47130","tags":null,"has_narrative":true,"complaint_id":"4542815","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GLA Collection Company, Inc.","date_received":"2021-07-14T20:45:52.000Z","state":"IN","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":["In the event of noncompliance, I reserve the right to file charges and/ or complaints with the OCR on your <em>HIPAA</em> <em>violations</em> and <em>appropriate</em> <em>County</em>, <em>State</em> & Federal authorities, the CFPB, XXXX  and XXXX XXXX XXXX for <em>violations</em> of the FDCPA, FCRA, and Federal and <em>State</em> statutes on illegal collection activities on any account that may be time barred as well as in <em>violation</em> of Indiana medical privacy rules."],"company_public_response":["Company believes it acted <em>appropriately</em> as authorized by contract or law"]},"sort":[18.660263,"4542815"]},{"_index":"complaint-public-v1","_id":"3835851","_score":18.643873,"_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":["In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your <em>HIPAA</em> <em>violations</em> and <em>appropriate</em> <em>County</em>, <em>State</em> & Federal authorities, the XXXX and <em>State</em> Bar associations for <em>violations</em> of the FDCPA, FCRA, and Federal and <em>State</em> statutes on fraudulent extortion and illegal collection activities on any account that may be time-barred as well as in <em>violation</em> of TEXAS medical privacy rules."],"company_public_response":["Company believes it acted <em>appropriately</em> as authorized by contract or law"]},"sort":[18.643873,"3835851"]},{"_index":"complaint-public-v1","_id":"4806111","_score":18.620943,"_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":["In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your <em>HIPAA</em> <em>violations</em> and <em>appropriate</em> <em>County</em>, <em>State</em>, & Federal authorities, the CFPB, XXXX  and XXXX XXXX  XXXX for <em>violations</em> of the FDCPA, FCRA, and Federal and <em>State</em> statutes on illegal collection activities on any account that may be time-barred as well as in <em>violation</em> of Wisconsin medical privacy rules ."],"company_public_response":["Company believes it acted <em>appropriately</em> as authorized by contract or law"]},"sort":[18.620943,"4806111"]},{"_index":"complaint-public-v1","_id":"11711844","_score":18.61522,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern : XXXX XXXX XXXX XXXX This complaint is being sent to you in response to you reporting inaccurate an incomplete account on my credit profile with the credit reporting agencies.\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 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 : 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 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\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\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 Florida medical privacy rules .","date_sent_to_company":"2025-01-24T01:31:08.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33311","tags":null,"has_narrative":true,"complaint_id":"11711844","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-24T01:13:05.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["In the event of noncompliance, I reserve the right to file charges and/or complaints with the XXXX on your <em>HIPAA</em> <em>violations</em> and <em>appropriate</em> <em>County</em>, <em>State</em> & Federal authorities, the CFPB, XXXX  and <em>State</em> Bar associations for <em>violations</em> of the FDCPA, FCRA, and Federal and <em>State</em> statutes on illegal collection activities on any account that may be time-barred as well as <em>violation</em> of Florida medical privacy rules ."]},"sort":[18.61522,"11711844"]},{"_index":"complaint-public-v1","_id":"5304800","_score":18.56286,"_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":["In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on youXXXX <em>HIPAA</em> <em>violations</em> and <em>appropriate</em> <em>County</em>, <em>State</em> & Federal authorities, the CFPB, XXXX and <em>State</em> Bar associations for <em>violations</em> of the FDCPA, FCRA, and Federal and <em>State</em> statutes on illegal collection activities on any account that may be time-barred as well as <em>violation</em> of Virginia medical privacy rules XXXX I also hereby reserve my right to take private civil action against you to recover"]},"sort":[18.56286,"5304800"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":87,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":87}]}},"product":{"doc_count":87,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt collection","doc_count":58,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Medical debt","doc_count":46},{"key":"I do not know","doc_count":7},{"key":"Credit card debt","doc_count":3},{"key":"Medical","doc_count":1},{"key":"Other debt","doc_count":1}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":15,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":15}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":13,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":13}]}},{"key":"Mortgage","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":1}]}}]}},"issue":{"doc_count":87,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempts to collect debt not owed","doc_count":29,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":23},{"key":"Debt was result of identity theft","doc_count":5},{"key":"Debt was paid","doc_count":1}]}},{"key":"Written notification about debt","doc_count":19,"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":10},{"key":"Didn't receive notice of right to dispute","doc_count":8},{"key":"Notification didn't disclose it was an attempt to collect a debt","doc_count":1}]}},{"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":15}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":11,"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":8},{"key":"Was not notified of investigation status or results","doc_count":3}]}},{"key":"Took or threatened to take negative or legal action","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Threatened or suggested your credit would be damaged","doc_count":6}]}},{"key":"False statements or representation","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":2},{"key":"Impersonated attorney, law enforcement, or government official","doc_count":1}]}},{"key":"Incorrect information on your report","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":2}]}},{"key":"Disclosure verification of debt","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Not given enough info to verify debt","doc_count":1}]}},{"key":"Trouble during payment process","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":87,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":83},{"key":"No","doc_count":4}]}},"company_response":{"doc_count":87,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":76},{"key":"Closed with non-monetary relief","doc_count":11}]}},"submitted_via":{"doc_count":87,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":87}]}},"company":{"doc_count":87,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"EQUIFAX, INC.","doc_count":11},{"key":"HCFS Healthcare Financial Services of TeamHealth","doc_count":9},{"key":"NRA Group, LLC","doc_count":5},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":5},{"key":"Experian Information Solutions Inc.","doc_count":4},{"key":"GLA Collection Company, Inc.","doc_count":3},{"key":"Io, Inc.","doc_count":3},{"key":"Phoenix Financial Services LLC","doc_count":3},{"key":"Action Revenue Recovery, LLC","doc_count":2},{"key":"Collection Management Holdings, LLC","doc_count":2},{"key":"Commonwealth Financial Systems, Inc.","doc_count":2},{"key":"SCA Collections, Inc.","doc_count":2},{"key":"United Revenue Corporation","doc_count":2},{"key":"W&A Intermediate Co., LLC","doc_count":2},{"key":"Ability Recovery Services, LLC","doc_count":1},{"key":"Adelante, Inc","doc_count":1},{"key":"Advanced Collection Bureau, Inc.","doc_count":1},{"key":"AmeriCollect","doc_count":1},{"key":"American Accounts & Advisers, Inc.","doc_count":1},{"key":"Asset Management Outsourcing, Inc.","doc_count":1},{"key":"Berlin-Wheeler, Inc. (Kansas)","doc_count":1},{"key":"CCS Financial Services, Inc.","doc_count":1},{"key":"COLLECTECH DIVERSIFIED, INC.","doc_count":1},{"key":"Capio Partners, LLC","doc_count":1},{"key":"Central Portfolio Control Inc.","doc_count":1},{"key":"Central States Recovery, Inc.","doc_count":1},{"key":"DISCOVER BANK","doc_count":1},{"key":"Finance System of Green Bay, Inc.","doc_count":1},{"key":"Harvard Collections, LLC","doc_count":1},{"key":"Lockhart, Morris & Montgomery Inc.","doc_count":1},{"key":"Medical Data Systems, Inc.","doc_count":1},{"key":"Medical-Commercial Audit Inc","doc_count":1},{"key":"Merchants Adjustment Service, Inc.","doc_count":1},{"key":"Merchants and Professional Bureau, Inc.","doc_count":1},{"key":"MiraMed Revenue Group LLC","doc_count":1},{"key":"National Credit Adjusters, LLC","doc_count":1},{"key":"Palm Beach Credit Adjustors, Inc","doc_count":1},{"key":"Portfolio Recovery Associates, LLC","doc_count":1},{"key":"R & B Corporation of Virginia","doc_count":1},{"key":"RSI Enterprises, Inc.","doc_count":1},{"key":"Shellpoint Partners, LLC","doc_count":1},{"key":"Simon's Agency, Inc.","doc_count":1},{"key":"Specialized Collection Systems, Inc.","doc_count":1},{"key":"TRANSWORLD SYSTEMS INC","doc_count":1},{"key":"Transfinancial Companies, Inc","doc_count":1},{"key":"WAKEFIELD & ASSOCIATES, INC.","doc_count":1}]}},"state":{"doc_count":87,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"FL","doc_count":18},{"key":"TX","doc_count":13},{"key":"VA","doc_count":7},{"key":"AZ","doc_count":6},{"key":"GA","doc_count":6},{"key":"PA","doc_count":6},{"key":"TN","doc_count":5},{"key":"KS","doc_count":3},{"key":"NY","doc_count":3},{"key":"IL","doc_count":2},{"key":"IN","doc_count":2},{"key":"KY","doc_count":2},{"key":"LA","doc_count":2},{"key":"NJ","doc_count":2},{"key":"WI","doc_count":2},{"key":"CA","doc_count":1},{"key":"MD","doc_count":1},{"key":"MI","doc_count":1},{"key":"MN","doc_count":1},{"key":"MS","doc_count":1},{"key":"NC","doc_count":1},{"key":"OK","doc_count":1},{"key":"SC","doc_count":1}]}},"company_public_response":{"doc_count":87,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":25},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":9}]}},"tags":{"doc_count":87,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":7},{"key":"Older American","doc_count":2}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[18.56286,"5304800"],"3":[17.70365,"6637704"],"4":[16.046185,"8390180"]}}}