Consumer complaint received 2022-04-20
Company: Transfinancial Companies, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I'm writing this complaint and there is no third party company. 

To whom may concern This is in response to the CFPB your company provided to me and the lack of validation pursuant 15 USC 1692g I received in my mail. I contacted the Attorney General of Florida, I reported the fraud from your company with the FTC. If you default again I will contact the Office of Financial Regulations, file a police report due to Identity theft by your company and File a complaint with the XXXX XXXX XXXX 

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated several sections of this act by ( Affidavit attached ) : ( a ) Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified CFPB complaint under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, 15 USC 1692 ( g ) Section 806 ( 5 ) You proceeded to mail a simple statement which is NOT considered a " validation of debt '' by any means. You may wish to familiarize yourself with what is required when validating a debt. ( you failed to provide me with the 5 things pursuant 15 USC 1692 ( g ) ) Your office also proceeded to contact me by the credit bureaus after the delivery and acceptance of my certified cfpb complaint I made online. Contacting a person after a cease and desist can lead to serious trouble for your agency including damages of up to {$1000.00} per incident. You may wish to familiarize yourself with what communication means. Pursuant 15 USC 1692 The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. You are conveying information regarding a debt to a third party company ( credit bureaus ) which is also another violation pursuant 15 USC 1692c ( b ). 

I highly doubt that this debt is worth your agency 's license and the fees and penalties for violations of the FDCPA. Please be advised the demands in the cease and desist were not met. Attached with this complaint an affidavit of truth, Exhibit A marking each violation from your company, and all previous attachments sent to your company. 

Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, ( Law Attached ) therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, of which I am allowed under the FDCPA. 

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt.

Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. 

There is no question that you willfully violated my rights and that I could bring charges against you immediately. However, I am assuming this has been a terrible mistake on your part and that you will take appropriate steps to enlighten yourself and your staff of such dangerous actions. 

On XX/XX/XXXX you have willfully reported an unverified and disputable debt to the credit bureaus. Which is a violation of the Fair Credit Reporting Act. I will state again in this certified CFPB complaint that you have failed to verify the debt as accurate, you have provided no proof of this alleged debt, and I must remind you again to not contact me in any way via credit bureaus or mail in reference to collecting this debt unless is to to invoke a specified remedy.. 

If I receive anything other than absolute proof from you, provided by the original creditor, I will assume you are harassing me and ignoring my cease and desist, and I will take action against you for these continued violations and abuse. 

I will create an invoice in the future for damages of up to {$1000.00} per violation in case you default again with my REQUESTED remedy.

Company response to consumer: Closed with explanation