Product: Debt collection

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX City, state, zip, : XXXX California XXXX Email : XXXX Number : XXXX Date : XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against COLLECTIBLES MANAGEMENT RESOURCES for Violations of Federal and State Consumer Protection Laws Dear : whoever it may concern I am writing to formally file a complaint against the collection agency known as " COLLECTIBLES MANAGEMENT RESOURCES '' for its numerous violations of both federal and state consumer protection laws in connection with an alleged medical debt. This complaint concerns account number # XXXX with a balance of {$2600.00}, which was allegedly opened on XX/XX/XXXX ( XXXX. Violations of Federal and State Laws COLLECTIBLES MANAGEMENT RESOURCES has engaged in multiple violations of my consumer rights, including but not limited to the following : - 12 CFR 1006.34 ( b ) ( 5 ) & 12 CFR 1006.34 ( c ) ( 4 ) ( 0 ) : The agency failed to provide accurate and complete information regarding the alleged debt, including proper debt validation as required by law. - 12 CFR 1006.34 ( d ) : The agency has used false, misleading, and deceptive means to collect this debt, which I have no knowledge of. - 15 USC 1681-52 ( 7 ) ( A ) : COLLECTIBLES MANAGEMENT RESOURCES has violated the Fair Credit Reporting Act ( FCRA ) by reporting incorrect and unverifiable information on my credit report without conducting proper investigation or validation. ( 2. Additional Legal Violations In addition to the above violations, the agency has also violated the following laws : - Fair Credit Reporting Act ( FCRA ) : The FCRA mandates that credit reporting agencies must maintain accurate information. I have the right to dispute any inaccurate information on my credit report, and the agencies are required to investigate and correct any errors within 30 days. COLLECTIBLES MANAGEMENT RESOURCES failure to provide accurate information violates my rights under the FCRA. - California Consumer Privacy Act ( CCPA ) : My personal and sensitive information has been mishandled, including the unauthorized collection and dissemination of my medical debt details. - California Consumer Privacy Act ( CCPA ) The CCPA provides California residents with significant control over their personal data, including the right to know what personal information is being collected, to whom it is being disclosed, and the right to request its deletion. If this medical account was fraudulently added to my credit report, I have the right to demand details about how this information was obtained and request its deletion under the ( CCPA ) -Section 1798.105 - California Medical Information Act ( CMIA ) -Section 56.10 The CMIA safeguards the confidentiality of my medical information, restricting how healthcare providers and other entities can use and disclose it. If my medical information was improperly shared or used to create fraudulent accounts, this law supports my claim against COLLECTIBLES MANAGEMENT RESOURCES.- California Medical Information Act ( CMIA ) : My medical information has been improperly used and disclosed, leading to fraudulent account creation. - Fair Debt Collection Practices Act ( FDCPA ) & California Fair Debt Collection Practices Act ( CFDCPA ) : The agencys deceptive and misleading tactics violate federal and state laws that protect consumers from unfair debt collection practices. - Health Insurance Portability and Accountability Act ( HIPAA ) : My medical information was accessed or disclosed without proper authorization, which is a direct violation of HIPAA. ( 3. Identity Theft Laws ( California Penal Code 530.5 ) : Californias identity theft statute makes it illegal for anyone to use another persons identifying information without their consent. Victims of identity theft have the right to clear their name, including removing fraudulent accounts from their credit report. Identity Theft Concerns I believe that this debt is the result of identity theft. During the period in question, I was incarcerated from XX/XX/XXXX to XX/XX/XXXX and could not have incurred any medical debt. Therefore, this account is fraudulent, and its presence on my credit report is causing substantial harm. ( 4. Requests for Action In light of the above violations, I am making the following demands : - Revocation of Communication Rights : I am revoking all rights of COLLECTIBLES MANAGEMENT RESOURCES to communicate with me via email, text messages, or phone calls. All further communication should be conducted in writing through postal mail. - Debt Validation : I am requesting that COLLECTIBLES MANAGEMENT RESOURCES provide proper validation of the alleged debt, including the purchase agreement between them and the original creditor. - Proof of Licensing and Bonding : I request that the original creditor furnish proof that they are licensed and bonded to conduct business in California. ( 5. Resolution Sought I request the removal of the fraudulent account from my credit report and the cessation of all collection efforts by COLLECTIBLES MANAGEMENT RESOURCES. I also request that the CFPB take appropriate action against the agency for its violations of my rights. Additionally, I urge the CFPB to investigate this matter as an instance of identity theft, given my documented incarceration during the period the debt was allegedly incurred. Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue. 
Sincerely, XXXX XXXX XXXX