Product: Debt collection

Re : Debt Validation request for XXXX XXXX XXXX XXXX. Account Number XXXX. XXXX XXXX XXXX ReferenceXXXX ; and Notice of Intent to Sue for racket, identity theft and other misconduct.

Dear Sir/Madam, This letter is being sent to you in response to a notice sent to me on XX/XX/XXXX and your attempt to collect the debt which I previously disputed XXXX ( XXXX ) times with the creditor and their prior collectors from on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. 
None of them ever responded to my lawful requests to validate the debt or identify the actual creditor who most likely is not XXXX XXXX if they used securitization of their medical accounts receivables. I have letters from various collectors who fail to identify their relationship to me purported debt and the purported creditor. It is not a secret that healthcare providers aggregate their accounts receivable into pools to sell these pools to investors. Thus, even IF I had any legitimate debt with XXXX XXXX, they already sold it for profits to non-disclosed parties using my private information as a collateral, received substantial profits and now seek additional revenue from me, in unlawful manner. 
It is also not a secret that healthcare providers intentionally overprice their services and sell unnecessary services to patients without obtaining their written consent - to overstate their accounts receivable for investors, thus sell them for more money. Most likely XXXX XXXX owes ME money for my undisclosed participation in their securitization scheme and must disclose me that they are doing with my personal information and my medical records. I never received any disclosures from XXXX XXXX regarding their intent to securitize my data even though XXXX  has many filings with SEC evidencing that they regularly issue and sell securities obviously backed by their patients identities, without ANY disclosures to patients about the sales, which is commonly known as identity theft. 
Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. Please be also advised that I plan to proceed with a legal action against XXXX XXXX XXXX XXXX, for medical malpractices and violation of numerous State and Federal laws, and all information from your bureau will be used for these purposes. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following : Please disclose if XXXX XXXX is engaged in securitization scheme and sells their accounts receivables or any debt to any other third parties. Please list all parties to whom such accounts receivables or debt are sold ; as well as list ALL my information which was sold or otherwise transferred by XXXX XXXX to any third parties. 

Please identify REVCO Solutions relationship to my debt and how REVCO became a collector for XXXX. Provide me copies of any retainer agreements with XXXX to verify that REVCO was lawfully hired ; or any purchase agreement where REVCO paid any money for this debt. Please state the name of XXXX XXXX represetntives who is responsible for collection and administration of accounts receivable who can provide me written proof that REVCO is actually hired by XXXX XXXX ; and explain me their securitization scheme as well as profits they received from trading my identity on the open markets and with whom. 

State what the money you say I owe is for. Please provide me a copy of my written informed consent to conduct tests and services ( XXXX  in XXXX  room ) for EACH procedure, including ultrasound and XXXX  scan ; ( 3 ) proof that the results of these tests were delivered to me and to my doctors in XXXX XXXX XXXX when requested. 
Explain and show me how you calculated what you say I owe. Provide me with copies of any papers that show I agreed to pay what you say I owe ; Show me that you are licensed to collect in my state. Provide me with your license numbers and Registered Agent At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX  XXXX this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act ; Violation of the Fair Debt Collection Practices Act ; Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof. 

If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.

It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose. 

Best Regards, XXXX XXXX. 




































Summary of Disagreement and Disputed Charges.

1. Disputed Charge for XXXX XXXX {$1500.00}. 

I visited my family in XXXX MI when I noticed XXXX XXXX on my skin. I called to the local hospital in XXXX MI to ask if I can take a simple XXXX  test to identify the problem. The customer service desk responded that since I am not the MI resident, I have to take the blood test through the XXXX XXXX. 

Here was no emergency in any kind, I only needed a test and nobody told me that the admission for XXXX  XXXX will cost {$1500.00}, once again, just to take a general XXXX  TEST which typically cost about {$80.00}. 

I consider admission into emergency room for a non-emergency situation without a mandatory price disclosure as unnecessary and deceptive ; and dispute {$1500.00}. Bear to repeat, nobody disclosed me the cost of emergency room admission even though I specifically told the receptionist that I ONLY need the blood test. I request XXXX XXXX to remove {$1500.00} from my bill.

2. Disputed Charge for Other Imaging Services ( XXXX ) {$510.00}. 

After I was admitted to XXXX XXXX ( again, on non-emergency basis ) and a nurse took my XXXX  test, it turned back with XXXX  level XXXX without any other abnormalities. According to all medical standards, this level of XXXX  is considered as NORMAL for adults. Nonetheless, the emergency room doctor started to scare me about my dangerous condition to convince to take an XXXX  test. 

As an average person who is not familiar how much XXXX  is considered dangerous I was very scared, especially when the nurse continued to tell me that I probably have an XXXX XXXX  ( I had not ). This scary tactic to push patients to buy expensive and unnecessary for XXXX XXXX  services ( which is evident from other customers reviews of XXXX XXXX XXXX looks more like a medical malpractice rather than a treatment. 

When I asked about necessity of ultrasound and for the price, doctor said that she does not know how much it costs but because my hemoglobin is critical ( which was not true, it was NORMAL ) and they need to see that is going on with my XXXX, which was again absolutely unnecessary procedure for an emergency room who does not and did not provided me any treatment except referred me to a local hospital. The doctor then said that XXXX XXXX is cheaper than XXXX  scan, cost of which she did not know either. The financial specialist who came later also did not provide me the cost of the procedure even though I specifically asked. 

Of course I was scared when the doctor said that my condition is critical ( which was not XXXX to agreed to take XXXX  test under pressure and fear. I dispute this test this XXXX XXXX test which was ( 1 ) unnecessary in my situation because my condition was not critical ; ( 2 ) even IF I had any stones in XXXX ( I had not ), emergency room does not provide treatments but merely referred me to my local hospital in XXXX ; ( 3 ) without disclosures about the price of this procedure ; ( 4 ) did not provided me with final results of this test ; ( 4 ) did not send results to my local hospital in XXXX although they specifically requested them. I had to take the same test again and was billed twice for the same procedure because XXXX XXXX did not send the test results to XXXX XXXX XXXX who requested them. 

As the result, I had to ( XXXX ) take unnecessary test in XXXX XXXX room under pressure while the doctor knew that my XXXX  level is NORMAL ; and all that she did - referred me for tests in the local hospital ; ( 2 ) I never obtained the results of this test and had to take it again which doubled my medical bill. 

Therefore, I dispute {$510.00} charge for unnecessary ultrasound results of which were not provided to me as of today ; and request to remove this charge from my bill.

3. Disputed Charge for XXXX  Scan {$3100.00} and Pharmacy {$47.00} and {$23.00} After my ultrasound test did not show any abnormalities, the emergency room doctor started to push me to take another, more expensive CT scan which bear to repeat was absolutely unnecessary procedure for the emergency room ; and the results of which were never provided to me or my doctor in XXXX, so I had to take it again. 

Again, I was scared about my emergency condition with XXXX level of XXXX  ; and the doctor was very pushy and persistent that she needs to see that is going on with my XXXX ( and again, the emergency room doctor does not provided me any treatment for the condition which was not an emergency, she merely referred me to a hospital in XXXX. 

I repeatedly asked how much this XXXX  scan will cost and the doctor, the nurse and the financial advisor said they have NO idea, something over a thousand. Which was not true since as professionals who continuously work in the hospital, they MUST know how much their services cost ; and inform patients about the price before that force them to take it. 

As the result, the XXXX  scan came as a monster charge {$3100.00}, absolutely unnecessary in the emergency room. When I went to see a doctor in XXXX, they requested the results from XXXX XXXX which were never provided. As the result, I had to take the same test in XXXX, which not only doubled my medical bill but unnecessary exposed me to double level of XXXX and contrast medication, which is again looks more like a medical malpractice than service. 

Therefore, I dispute {$3100.00} XXXX Scan charge as dangerous and unnecessary while the results of which were not provided to me as of today ; and request to remove this charge from my bill.

4. Disputed Charge for Laboratory General Classification - {$750.00} I must repeat that my visit to XXXX XXXX was merely to take a simple blood test which is normally cost about {$80.00}. I was not aware that in order to take this test in XXXX I have to be admitted into an emergency while here was no emergency at all ; and nobody disclosed me the price of admission. 

The test came back NORMAL, with XXXX  XXXX, thus, at this point the personnel should release me home with the referral to my local hospital in XXXX. They didnt. To the contrary, the doctor used my fear to push me to take unnecessary and highly overpriced services which ( 1 ) showed NO abnormality ; ( 2 ) results were never provided to me or to my doctor in XXXX. 

At the very end the doctor decided to take a XXXX  test for XXXX the results of which I do not have at all. I was told that IF the lab will found anything wrong, someone will call me. If nobody called it means that my results are normal. I never received any calls regarding these results ; and again, when I went to XXXX, my doctor ASKED me for copies of my results in XXXX and even requested them through the hospital but nobody provided them to me or to my doctor, so I had to take all tests again. Now XXXX XXXX wants me to pay {$750.00} for tests results of which I do not even know. No need to repeat, nobody disclosed me the price for these tests. 

My bill from XXXX XXXX does not itemize Laboratory Tests ; ( which once again I consider as deceptive since nobody informed me how much XXXX test will cost, the doctor merely used scary tactics to push me to buy them ) Therefore, I dispute {$750.00} charge as unnecessary and because the results of which were not provided to me as of today ; and request to remove this charge from my bill. I agree to pay for the regular blood test, which was the reason why I visited XXXX XXXX. Please remove unnecessary charges and adjust my bill accordingly. 

It appears to be XXXX XXXX modus operandi practices to conceal from patients mandatory information which must be disclosed to obtain an INFORMED consent about the needed procedures. 

Bear to repeat, first, nobody told me that in order to take a simple blood test I have to be admitted in an emergency room with about {$1700.00} bill while my situation was not an emergency. We merely came to take a XXXX  TEST. 

Next, nobody informed me that my blood XXXX  rate of XXXX is a SAFE level. To the contrary, your doctors used scary tactics about internal bleeding ( which was not true ) to force us to take very expensive tests since I was confident I will die right in the emergency room if these tests are not taken. 

I do not recall if I gave any written consent to conduct these tests either, as well as I never received a written disclosures regarding my condition and why doctors forced me to take expensive tests on the emergency basis instead of referring me to a local Hospital in XXXX. 

I never received any disclosures about the COSTS of these procedures either since neither your doctor or even financial adviser apparently didnt know how much they will cost. 

I never received ANY test results for which you try to bill me ; I never received ANY results of review you purportedly conducted again, without informing me about results.

I agree to pay for ( 1 ) regular XXXX  test ; ( 2 ) XXXX blood test since these are ONLY two services I requested from XXXX. All others were force placed by using scary tactics ; were not necessary at the moment. The results of these tests were never provided to me or to my doctors in XXXX yet XXXX and XXXX XXXX want me to pay for services which bear to repeat were not necessary and not given to me. 

I doubt if you pay for a merchandise which a company fails to send you. 

After that XXXX XXXX XXXX whose doctors insisted that my situation is very critical and need immediate tests ) failed to provide these tests to doctors in XXXX XXXX who requested them several time! Obviously, this scary tactic was only used to push me under unnecessary expenses while I never got any results of these tests Now you informed me about some review of my case the results of which were once again are not provided and not attached to your letter. 

We found XXXX hospitals practices as a violation of my patients rights to make an INFORMED decision, get RESULTS of the test for which you charged me on timely manner ( now I have a duplicate bill for the same tests in XXXX XXXX which would be unnecessary if XXXX would send my prior tests to XXXX XXXX after they requested them several times. You did not answer why XXXX failed to provide me results to XXXX. 

Please find this Notice of Disagreement with billing charges for account XXXX ; and request to remove unnecessary, overpriced and deceptive charges for services costs of which were never provided to me ; as well as the results of which neither I or my doctor in XXXX never received since they were never provided although requested. I had to take all the same tests again, including labs and XXXX XXXX, which doubled my medical bills and put me under unnecessary and dangerous double exposure to XXXX and contrast medications. 

This is not a refusal to pay but a Notice of Disagreement with overpriced and unnecessary services which XXXX XXXX already SOLD to investors and received a substantial profit by trading my identity on the open market