Product: Debt collection

This is regarding the response MediCredit Inc., XXXX. XXXX XXXX, XXXX XXXX, MO XXXX have sent previously to my request to validate the debt they alleged on my consumer XXXX bills. They have failed to validate any of the bills in question and didnt send substantial proof that I owe them all the charges they're claiming and failed to send any contract between them and the original creditor. All they have provided me was the bill and hospital records containing several of my personal information including the entire hospital visits that violate HIPAA regulations ; however, anyone can send a bill and claim that money is owed. I require them to send me the written signed contract that I owe all the alleged claims. On top of everything, they are consistently sending additional collection charges that were not even found in my hospital bills for the days they mentioned in them ( for example {$30.00}, {$2000.00}, {$2800.00}, {$1200.00}, {$370.00} charges ). When I collectively looked up all their alleged claims and the amounts across all accounts they specified, I see they have been manipulating multiple charges and creating a new charge and sending a new collection letter with a new account number and service dates. This is a fraudulent practice. I have proof of everything that I have received from them so far and I can submit all of these to CFPB to investigate their illegal collection and billing practices. Even after a series of requests, they have failed to validate the debts and provided any of the requested documents such as the signed contract with the creditor so I can believe they're the legitimate collection agency. I got the bill for the same amounts from another collection agency called XXXX. The Medicredit reported 4 of the charges to all credit bureaus even without validating any of the debts I requested. 

There are 13 bills Medicredit sent as below. Under each group below, the first line is the reference account number, the second line is what they claim as service date and the third line is the amount owed according to them. 

XXXX XX/XX/XXXX {$340.00} XXXX XX/XX/XXXX {$1200.00} XXXX XX/XX/XXXX {$370.00} XXXX XX/XX/XXXX {$15.00} XXXX XX/XX/XXXX {$29.00} XXXX XX/XX/XXXX {$1900.00} XXXX XX/XX/XXXX {$2000.00} XXXX XX/XX/XXXX {$2800.00} XXXX XX/XX/XXXX {$200.00} XXXX XX/XX/XXXX {$14.00} XXXX XX/XX/XXXX {$30.00} XXXX XX/XX/XXXX {$96.00} XXXX XX/XX/XXXX {$690.00} I have not even been in the hospital for some of the above dates that they are allegedly claiming and I can clearly see there is a fraudulent billing happening on their end for the above alleged collections. 

They are not following the Federal Debt Collection Procedures Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) guidelines and performing : 1 ) Illegal billing practices 2 ) Falsifying accounts for financial gains 3 ) Wrongly reporting debts to credit bureaus I require them to seize all the credit bureaus reporting activity immediately until they validate all the above accounts and charges along with the signed contract for payment. Also, they should remove all the charges they have already reported to credit bureaus ( XXXX XXXX, and XXXX  ) until they resolve all the illegal billing charges they're claiming that I owe them. 

I am expecting their full cooperation as per FDCPA and FCRA guidelines and I want all their correspondence to be in writing.