Product: Debt collection

This situation is messy. Not only is this not my debt, I wasn't given proper notice, and there are false claims in the response. Below is a concise timeline up to today : /////////////// //////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/XXXX : Credit Bureau shows that account was opened. Under the Fair Debt Collection Practices Act, Section 809, Subsection ( a ) Notice of Debts : ( documents, pg.1 ) 1. THERE WAS NEVER AN INITIAL CONTACT 2. I NEVER RECEIVED A WRITTEN NOTICE CONTAINING : a. The amount of debt b. The name of the creditor to whom the debt is owed ; c. A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector. //////////////////////////////////////////////////////////////////////////////////////////////////// /////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/XXXX : Became aware of account but ONLY through an app notification from XXXX, XXXX, and XXXX. ( documents, pg.2 ) /////////////////////////////////////////////////////// /////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/XXXX : I submitted a dispute of the account through XXXX. They considered the account accurate. ( documents, pg.3 ) /////////////////////////////////////////////////////////////////////////////////// /////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/XXXX : I mailed a data validation letter to Medical Data Systems through Certified Mail using the United States Postal Service. In the letter I asked for information proving beyond the shadow of a doubt that I was responsible for the debt including : ( documents, pg.4 ) 1. Justification of the amount claimed, including invoices or receipts 2. Explanation of how you calculated the amount owed 3. Copies of any documents stating that I agreed to pay the claimed amount 4. Contract bearing my signature 5. The identity of the original creditor 6. Proof that the Statute of Limitations has not expired on this account 7. Proof that you are licensed to collect debt in my state 8. Your license numbers and Registered Agent or Agent of Service //////////////////////////////// /////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/XXXX : The certified letter was received by Medical Data Systems. ///////////////////////// /////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/XXXX : I received a response in the form of a bill that includes medical information and prices but does not include my signature, no proof of their statutes, no proof of any licensing that Medical Data Systems can legally collect a debt in my state. ( documents, pg.5-6 ) ///////////////////////////////////////////////////////////////////////////////////////////////////////////// /////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/XXXX : I mailed a second debt validation letter asking for the missing information this time under threat of filing a CFPB complaint and possible legal action. ( documents, pg.7 ) ///////////////////////////////////////////////////////////////////////////////////////////////////////////////// /////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/XXXX : The certified letter was received by Medical Data Systems. //////////////// /////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/XXXX : Received a response stating Because your dispute alleges no new facts and includes no new information on which to form the basis for a new investigation, we will not be conducting another investigation of dispute pursuant of the Fair Credit Reporting Act. ( documents, pg.8 ) ///////////////////////////////////////////////////////////////////////////////////////// /////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/XXXX : I submitted a CFPB complaint asking for removal of debt from the credit bureaus due to lack debt validation. ////////////////////////////////////////////////////////// ////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/XXXX : Medical Data Systems responds to cfpb complaint with absolutely nothing. Regurgitating the same documents that I submitted. False claims of my signature being provided, and claims that a letter was sent on XX/XX/XXXX without any documentation to prove it! - Our records indicate that the original account balance was properly reported to the credit bureau and no full deletion is required. MDS sent a letter to the debtor on XX/XX/XXXX. MDS mailed validation documents that were requested by the debtor on XX/XX/XXXX. No other contact has been made on this account. Attached are signed consents and an itemized bill for your records. ( documents, pg.9-10 ) //////////////////////////////////////////////////////////////////////////////////// //////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/XXXX : CFPB Phone Call Follow Up ; I spoke with a consumer finance representative after I received no real feedback from Medical Data Systems. Medical Data Systems claimed to have mailed out an initial letter XX/XX/XXXX with no documentation, provided me with the exact same documents that I submitted, and falsely claimed that I signed the paperwork when patient name and patient signature are empty. I was referred to escalation specialist and was advised to complete another complaint and if the situation isnt properly resolved then I have the option to move forward with litigation. ( documents pg. 11 ) //////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// Requests : It is the responsibility of the debt collector to prove beyond the shadow of a doubt that an individual is financially responsible for any debt, ESPECIALLY debt that is considered medical in nature. Medical Data Systems failed to not only validate this debt but also failed to show proof that they are a legitimate company who can legally collect on a debt in my state. Since Medical Data Systems claims that it has sent an initial letter XX/XX/XXXX, I am requesting direct proof of this letter. I want to see the contents, with the date shown, and sent via mail to the address that they have on file. Since Medical Data Systems claims that I have signed documents, I am requesting direct proof that I signed anything stating that I was responsible for this debt. If these two documents can not be provided then I am requesting that Medical Data Systems cease all attempts of collecting any debt that is not my responsibility and to remove all negative information from all three credit bureaus : XXXX, XXXX, and XXXX! If you do not remove these negative items which are currently interrupting my life, I will collect all of this evidence of your lack of proof and I will surely get legal counsel and sue both Medical Data Systems and the original creditor for the maximum amount possible!