Consumer complaint received 2018-10-24
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I receive a copy from the credit bureaus and I noticed that there were two errors in my credit profile, I took the information from the credit bureaus about this collection agency, and I send three certified mail to this collection agency the first 1- letter I asked them very politely to an account saying, ( that I am requesting validation, made to pursuant to the Fair Debt Collection Practices Act, and the Fair Credit Reporting Act, along with the corresponding local state laws ). I am requesting a " Validation '' ; that its competent evidence bearing my signature, showing that I have ( or even had ) some contractual obligation to pay them.

2- Second letter states ( Yet again they failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.

additionally, I asked to please provide the names, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified " without providing any, proof, bearing my signature.

3- third letter states ( Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for on. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance of federal laws under the Fair Credit Reporting Act.

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies ).

Time and time again this collection agency has violated all rules in accordance with the federal and states laws, as it reflects on my letters attach you will see all the letters I have sent certified and a timely manner as the FDCPA Act.

This collection agency keeps sending me the same letter no verification, no validation, and no contractual agreement between me and the allege collection agency

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation