Product: Debt collection

Subject : Formal Complaint against PENDRICK CAPITAL PARTNERS , LLC for Violations of FDCPA, FCRA, HIPAA, and No Surprises Act XXXX Amount of alleged debt : {$1000.00} Account # XXXX Original account : XXXX Date of Service : XX/XX/year> Provider of Service : XXXX XXXX Response To whom it may concern, I am filing a formal complaint against XXXX XXXXXXXX XXXX due to numerous violations involving my rights under the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), Health Insurance Portability and Accountability Act ( HIPAA ), and the No Surprises Act. 
PENDRICK CAPITAL PARTNERS , LLC has failed to comply with federal regulations, causing harm to my credit standing and violating my privacy rights. Summary of Violations by PENDRICK CAPITAL PARTNERS , LLC 1. Failure to Validate Debt Under FDCPA : PENDRICK CAPITAL PARTNERS , LLC reported an unvalidated debt to the credit bureaus despite my formal request for debt validation under 15 U.S.C. 1692g ( b ). This failure to provide proper validation or verification, including itemized charges and identification of the original creditor, breaches my rights under the FDCPA. 2. Unauthorized Disclosure of Medical Information Under HIPAA : PENDRICK CAPITAL PARTNERS , LLC allegedly accessed and shared my medical information without my signed authorization, violating HIPAA. I have not granted permission to XXXX XXXX XXXX or its affiliates to release my medical information to any third parties, including PENDRICK CAPITAL PARTNERS , LLC. XXXX. Violation of Californias Statute of Limitations : The debt in question has surpassed Californias four-year statute of limitations for medical debt based on written contracts. PENDRICK CAPITAL PARTNERS , LLC s attempts to collect on this time-barred debt are therefore in violation of state law and contribute to improper and potentially misleading practices. 4. Violation of the No Surprises Act : Reporting this alleged debt without validation or compliance with the protections outlined in the No Surprises Act demonstrates a disregard for federal law. The No Surprises Act specifically aims to protect consumers from unexpected medical charges, particularly from out-of-network providers. XXXX. Defamation and Harm to Credit Standing under FCRA : PENDRICK CAPITAL PARTNERS , LLC reported unvalidated and potentially inaccurate information to XXXX, XXXX, and XXXX, causing undue harm to my credit report. This reporting, lacking validation and transparency, is a violation of my rights under the FCRA and has defamed my character. Request for CFPBs Assistance In light of these violations, I request that the CFPB take the following actions to rectify the situation and hold PENDRICK CAPITAL PARTNERS , LLC accountable : 1. Immediate Removal of the Alleged Debt from All Credit Bureaus : I request that the CFPB require PENDRICK CAPITAL PARTNERS , LLC to remove any negative listings related to this debt from my credit reports with XXXX, XXXX, and XXXX due to the lack of validation and violations of federal and state laws. 2. Demand for Debt Validation Documentation : I urge the CFPB to compel PENDRICK CAPITAL PARTNERS , LLC to produce all documentation supporting their claim, including : o Proof of debt origin, itemized charges, and total claimed amount. o Documentation of my signed authorization under HIPAA for release of medical records. o Confirmation that the debt is not beyond the statute of limitations in California. o Evidence of licensing to collect in California. 3. Cease and Desist on All Communications : PENDRICK CAPITAL PARTNERS , LLC should be ordered to cease all telephone communications with me as per my request under 15 U.S.C. 1692d. All further communication should be in writing. 4. Investigation of PENDRICK CAPITAL PARTNERS , LLC s Practices : I request that the CFPB investigate PENDRICK CAPITAL PARTNERS , LLC s practices for potential violations of FDCPA, FCRA, HIPAA, and the No Surprises Act. Their repeated disregard for federal laws and consumer protections necessitates regulatory oversight and accountability. Conclusion PENDRICK CAPITAL PARTNERS , LLC s conduct has caused significant distress and damaged my financial reputation. The companys unwillingness to adhere to consumer protection laws places an undue burden on me as a consumer. I hope the CFPB will take immediate action to enforce compliance and protect my rights. Thank you for your attention to this matter. Please feel free to contact me should you require any additional information. Sincerely, XXXX XXXX