Consumer complaint received 2021-03-03
Company: Applied Business Services, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is in response to the recent reply of case # XXXX submitted on XX/XX/XXXX with a response on XX/XX/XXXX which I have attached for reference. 

First of all, this company stated that they sent me mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no response about a collection placed with them on XX/XX/XXXX. This company stated that they sent letters to an address that does not belong to me nor have I ever lived at the address they stated they sent the letters to. I have attached my driver 's license to show what my address would have been at the time they claimed to have sent the letters and you will clearly see that if they did indeed send such letters then they went to the wrong address. So not only would I have never received said letters which is a problem in itself, the bigger issue is that since they sent these letters to the wrong address then my medical information has been exposed because who knows who was on the receiving end of those letters. This is a violation of my HIPPA rights. No one should have access to my medical records other than the providers who treated me. This company also stated that they called me multiple times with no answer. So they basically admitted to harassing me about this alleged debt since I did not give them permission to call me pursuant to 15 USC 1692c ( a ). This company states that they received my request for validation on XX/XX/XXXX and that they requested an itemized statement from their alleged client. They then state that said statement was mailed out on XX/XX/XXXX to the same incorrect address that the other 4 letters ( previously mentioned at the top ) were mailed to. So instead of sending said statements to the address listed on my initial complaint or the address listed on the certified mail return receipt, they sent it to an incorrect address again, which exposed my medical information again. So at this point my HIPPA rights and right to privacy has been violated 5 times. They state the itemized letter was allegedly returned to them and that they have now sent said letter certified mail to the address they should have sent it to the first time if they really wanted me to have the documents validating this alleged debt. So as you can see I never got the request for validation of this alleged debt so that is a violation of 15 USC 1692g for furnishing an unvalidated debt. This company also harassed me as they said in their own words by calling me multiple times without my permission pursuant to 15 USC 1692c ( a ). This company also took a private matter and made it public by reporting it to consumer reporting agencies, so they are advertising this alleged debt to coerce payment which is in violation of 15 USC 1692d ( 4 ). Pursuant to 15 USC 1692c. ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this account be zeroed out immediately and that this account be immediately deleted from all consumer reports.

Company response to consumer: Closed with explanation