Consumer complaint received 2021-05-04
Company: Suburban Credit Corporation
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A complaint was submitted to the Consumer Financial Protection Bureau ( CFPB ) twice, once on XX/XX/2021 and again on XX/XX/2021 regarding the methods and practices from SUBURBAN CREDIT CORPORATION used to obtain a debt, from I, ( a living breathing being, operating in good faith, clean hands and not to avoid any actions against me ), and the IDENTITY THEFT/FRAD, that has taken place. 

The Consumer Financial Protection Bureau ( cfpb ), states that they are built to protect consumers, but yet, continues to overlook this blatant act of IDENTITY THEFT/FRAUD, that has taken place with SUBURBAN CREDIT CORPORATION. 


A police report has been filed in XXXX XXXX, Virginia. 


I have contacted XXXX  XXXX, and they have stated that my personal information has not been shared, therefore revealing that SUBURBAN CREDIT CORPORATION used deceptive practices and methods to obtain my personal identifiable information. 

Whether monetary gain was successful or not, obtaining and using my personal identifiable information without my consent and permission in the attempts to collect an alleged debt owed to SUBURBAN CREDIT CORPORATION, is IDENTITY THEFT/FRAD. IDENTITY THEFT/FRAD is a violation of the laws, rules and regulations that SUBURBAN CREDIT CORPORATION stated that they are 100 % compliant with. 


The following is a copy of the first complaint that was filed with CFPB : Suburban Credit Corporation contacted myself through mail on behalf of XXXX  XXXX in the attempts to collect a debt that was allegedly owed and demanded payment in the positive amount of {$470.00}. My personal sensitive patient health information was disclosed without my consent or knowledge, which is a violation of HIPAA and consider Identity theft. On XX/XX/2021 I mailed Suburban Credit Corporation an instrument ( certified mail # XXXX ) with the original bill ( accepted for value and returned for value ), notice of intent fee schedule and an invoice for the violations and totals. I prompt Suburban Credit Corporation to take immediate action within 15 days. The instrument was delivered, and left with an Individual on XX/XX/2021 at XXXX XXXX  at Suburban Credit Corporation. No action on their part has been taken to cure the invoice that was given to them. {$25000.00} for Identity theft and HIPAA law violation, {$990.00} for the unlawful practices in the attempts of collection of an alleged debt and {$470.00} for the acceptance of value, bringing the overall total to {$26000.00}. 

The following is a copy of the second complaint that was filed with CFPB : A complaint was submitted to the Consumer Financial Protection Bureau ( CFPB ) regarding the methods and practices from Suburban Credit Corporation used to obtain a debt, from I, ( a living breathing being, operating in good faith, clean hands and not to avoid any actions against me ), which are unlawful and infringe upon my rights as a living being. The complaint was submitted to the CFPB on XX/XX/2021 and wrongfully closed. Suburban Credit Corporation mistakenly chose to deal with the legal instrument that was signed, sealed and delivered via certified mail as a cease and desist letter. The instrument contained specific instructions and an invoice to cure this matter. The fact that I have never engaged in business with Suburban Credit Corporation, but Suburban Credit Corporation brought it upon themselves to design a form sent by way of postal mail and created an account with personal identifiable information and initiated, initial communication, essentially displays the date identity theft/fraud took place. Suburban Credit Corporation designed a form knowing that such form would be used to create the false belief that participation in the collection of or an attempt to collect a debt allegedly owed. Suburban Credit Corporation intended to use personal identifying information, without my direct permission, to gain financial advantages, obtain credit and other benefits, and perhaps to cause adverse consequences. This matter is a direct violation to the local and federal rules and regulations to which Suburban Credit Corporation state they are 100 % compliant with. Local and federal rules and regulations include identity theft/fraud and all who attempts or conspires to commit any offense and the treatment of the unlawful actions of designing, compiling and furnishing of any deceptive forms. This matter should not be dismissed as a minuscule matter. Under the rules and regulations that govern Suburban Credit Corporation, there are far more consequential repercussions for identity theft/fraud than the instructions that were given in the instrument. [ You should not steal, nor deal falsely, nor lie to one another. - Leviticus 19:11 ]

Company response to consumer: Closed with explanation