Product: Debt collection

Statements from Curtis Rash & Associates : Debtor filed electronic disputes with the credit bureaus on XX/XX/XXXX and XX/XX/XXXX, in which XXXX responded back electronically on XX/XX/XXXX. Debtor filed XXXX more electronic disputes on XX/XX/XXXX and XX/XX/XXXX, in which XXXX responded back electronically on XX/XX/XXXX. Upon receipt of this complaint, XXXX contacted the creditor and requested an itemized statement for the services rendered and a billing summary. These were received by XXXX and mailed to debtor on XX/XX/XXXX. These were mailed to the address in this complaint. XXXX has investigated the dispute and confirmed with the creditor that the debt it is reporting is accurate. Under the circumstances, neither the FDCPA nor the FCRA mandate that XXXX remove the mark from debtor credit reports. As required, the account is being reported to the credit bureaus as disputed. 

I never denied getting a medical procedure ; however, this medical procedure was preventative and required my doctor at the age over XXXX. This bill should have been covered under insurance with the Affordable Care ACT. I received XXXX 's mailed communication which included " itemization of your account ( s ) '' but would like to report the following : XXXX. " Rash Curtis & Associates '' is NOT a licensed debt collector in California. 
XXXX. You included an " Account Statement '' dated XX/XX/XXXX from a debt collector which was prepared by " XXXX XXXX XXXX XXXX '', which is also an UNLICENSED DEBT COLLECTOR in California. In addition, XXXX XXXX does not have a business registered with the name " XXXX XXXX XXXX XXXX '', making them not a valid business in California. 
XXXX. The non-licensed statement includes an Interest charge of {$540.00}, on a {$1400.00} alleged debt, 39 % is an excessive charge. 
XXXX. This debt collector claims to have tried to collect this debt in XXXX just as we were beginning to have illness and shutdowns with the pandemic. 
XXXX. On XX/XX/XXXX, the debt collector included a receipt of services purportedly from XXXX XXXX XXXX labeled as " Patient Receipt '' but is dated XX/XX/XXXX and does not show any applied insurance payments and states " DUE FOR THE ABOVE SERVICES : {$0.00} ''. The balance shows nothing is owed and this was also sent as a TRUE COPY of the PATIENT RECEIPT, which is a false representation as the receipt would have been dated in the year of the procedure, which was in XXXX, and would have included insurance payment information. 
XXXX. A signed colonoscopy procedure expectation paper was mailed to me as well as a colonoscopy/ Esophagogastroduodenoscopy " patient consent to procedure ''. I feel this is out of the scope of collections an is a HIPPA violation and will also submit a complaint with HHS. The paperwork authorization " is limited to insurance companies, health care service plans, as well as to those individuals of the Governing Body may deem appropriate to review the medical record for purposes of medical quality assurance/improvement and peer review ''. I authorized the insurance benefits to be paid directly to XXXX company. Several additional medical forms were also included including patients rights. I did not authorize the personal medical information to be mailed/shared with an unlicensed debt collector. 
XXXX. I am happy to go back to the insurance company to recover payment denied but need the insurance information as it was not included and has since changed.