Consumer complaint received 2022-11-16
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a debt from XXXX XXXX XXXX XXXX back in XXXX of XXXX and since this was during XXXX  XXXX I was informed the debt would be removed. I NEVER HEARD FROM THEM BY A MEDICAL COLLECTION BEING PLACED ON MY TRANSUION XXXX AND XXXX CREDIT REPORT!!!!!!! I NEVER Received any validation or correspondence with my legal rights to dispute that I owe this debt. IN PURSUIT OF 15 USC 1692 G WHICH CONGRESS CREATED FOR ME and SAYS show me that I OWE THIS COLLECTION AGENCY ANY MONEY AND HAVE THE RIGHT TO PLACE SOMETHING ON MY CREDIT REPORT. THIS IS ILLEGAL. I am allowed under the XXXX law ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to protect my privacy and medical records from third parties. I do not recall giving permission to ( XXXX XXXX XXXX XXXX ) for them to release my medical information to a third party. I understand that the XXXX does allow for limited information about me, but any details XXXX only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and XXXX authorization to formally advise you that I believe your company has violated my consumer rights in the following ways. - Failed to validate a debt at consumers request- XXXX  violation - Continued to report a disputed debt to the XXXX XXXX  violation XXXX Continued to attempt to collect a disputed debt- XXXX  violation Not only have you ignored my prior requests for validation of debt ( I have mailed in letters to validate this debt ), but you also continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow guidelines of The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 and please provide the following : Validation of Debt Request - Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest, and penalties -Contract bearing my personal signature -License proof to collect debts in my state - Please provide a copy of my signature with the provider of service to release my medical information to you As you certainly are aware, " Admission by Silence '' means that you had a legal duty to defend your position but failed to do so and if my claims were untrue, you would have been compelled to deny my charges. I will use the Admission by Silence in my defense should I be summoned to court or take action against you. I expect to receive proof requested above, within XXXX days of this letter. Should you continue to ignore my request for this validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may also seek damages from you if warranted. What I have received from XXXX is not validation / verification of debt for these two accounts. Notice violations under the FCRA might occur when : a creditor fails to notify you when it supplies negative credit information to a CRA. I have sent this letter to the following companies listed below for assistance with resolving this matter Kind regards, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation