Consumer complaint received 2021-05-13
Company: Revco Management, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I writing this complaint against REVO SOLUTIONS the account # XXXX before I sue this company for damages and causing my credit harm. They are in major violation of the FCRA, FDPCA, Federal and State laws. On XXXX XXXX I write this collection company requesting documents to prove their validation to collect. ( I have attached the letter that was sent ). They receive the letter on XX/XX/XXXX have also attached the receipt from showing their signature when they receive the letter. I have found out that they have no right to collect in my state of Florida because they are not license nor do they have a register agent in my state. They also do not have Surety Bond with the state of Florida to collect any money on the behalf of this company. Secondly, they have violate my HIPPA policy rights. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. The only thing they sent was a item statement which I don't know how they came to say that I owe that amount. 
I also request the following they are in violation : Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONSAND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. HIPAA Collection Agency Validation, Dispute, Cease & Desist, 3 ) I ask for the HIPPA Authorization form but they didn't send that either : Please also attach copies of any agreement that bears the signature of the alleged debtor wherein I agreed to pay the credit or and as this is a medical account a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my.

4 ) They can not product any documents showing their license in the state Florida to collect. That is consider FRAUD sending a letter through the Postal Service requiring money without having any right to collect in that state.

If this negative items is not removed from my credit report with 15 days. I have already started the process of giving the attorney all the communication and letters between me and REVCO SOLUTIONS. I also hereby reserve my right to have this information deleted from my credit report immediately or private civil action against you to recover damages.

Company response to consumer: Closed with non-monetary relief