Consumer complaint received 2019-06-07
Company: Clark County Collection Service
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I called CLARK COUNTY COLLECTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX ) XXXX My call was forward to XXXX who specified that the call was being recored. Threaten to continue putting a false medical claim on my credit report that I owe CLARK COUNTY COLLECTION a balance {$380.00} which they claim I owe from the medical Original creditor name XXXX XXXX XXXX {$350.00}. I DO NOT KNOW who is CLARK COUNTY COLLECTION, I do not have a contract with this company. They have ruined my credit by stating I owe them money. This is a false claim I do not have any legal obligation written or signed to this company. 

PURCHASE OF A DEBT FROM A THIRD PARTY COMPANY ( CLARK COUNTY COLLECTION )  DOES NOT MEAN I LEGAL OWE THEM MONEY. -PROVE IT. CLARK COUNTY COLLECTION has violated NEVADA LAW : CHAPTER 649 - UNIFORM DEBT-MANAGEMENT SERVICES ACT. XXXX XXXX XXXXAgreement defined.Agreement means an agreement between a provider and an individual for the performance of debt-management services.

NRS676A.070Certified counselor defined.Certified counselor means an individual certified by a training program or certifying organization, approved by the Commissioner, that authenticates the competence of individuals providing education and assistance to other individuals in connection with debt-management services in which an agreement contemplates that creditors will reduce finance charges or fees for late payment, default or delinquency. 

NRS676A.080Certified debt specialist defined.Certified debt specialist means an individual certified by a training program or certifying organization, approved by the Commissioner, that authenticates the competence of individuals providing education and assistance to other individuals in connection with debt settlement services.

NRS676A.130Debt-management plan defined.Debt-management plan means a plan which contemplates that : 1.Regular, periodic payments will be made to a provider by or on behalf of an individual to whom debt-management services are being provided ; and 2.The individuals creditors will reduce financing charges or fees for late payment, default or delinquency.

NRS676A.140Debt-management services defined.Debt-management services means services as an intermediary between an individual and one or more creditors of the individual for the purpose of obtaining concessions and includes credit counseling, the development and implementation of debt-management plans and debt settlement services. The term does not include : 1.Legal services provided in an attorney-client relationship by an attorney licensed or otherwise authorized to practice law in this State ; NRS676A.300Registration required.

1.Except as otherwise provided in subsection 2, a provider may not provide debt-management services to an individual who it reasonably should know resides in this State at the time it agrees to provide the services, unless the provider is registered under this chapter.

2.If a provider is registered under this chapter, subsection 1 does not apply to an employee or agent of the provider.

3.The Commissioner shall maintain and publicize a list of the names of all registered providers. CLARK COUNTY COLLECTION has violated HIPPA LAW XXXX XXXX XXXX 45 CFR 164 ( PART 164 SECURITY AND PRIVACY ) HIPAA Privacy Rule 164.502 Subpart C Security Standards for the Protection of Electronic Protected Health Information 164.302 / 164.304 / 164.306 / 164.308 / 164.312 / 164.316 / 164.318 BILLING CODES 164.514 Other requirements relating to uses and disclosures of protected health information.

SEC. ( c ) Implementation specifications : Re-identification. A covered entity may assign a code or other means of record identification to allow information de-identified under this section to be re-identified by the covered entity, provided that : ( 2 ) Security. The covered entity does not use or disclose the code or other means of record identification for any other purpose, and does not disclose the mechanism for re-identification.

164.506 Uses and disclosures to carry out treatment, payment, or health care operations XXXX XXXX XXXX You are inaccurately and incompletely furnishing information regarding the above-referenced account to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which you are responsible. I want all late payment marks removed from my account. CLARK COUNTY COLLECTION HAS THREATEN ME PERSONALLY with We will continue report to the credit beaus unless you pay this debt. THIS WAS RECORDED BY CLARK COUNTY COLLECTION. THIS QUOTE FROM YOU XXXX IS ABUSIVE AND ILLEGAL As per Fair Debt Collection Practices Act : * The use, or threat of use, of violence or other criminal means to harm a person or the person 's reputation or property.

* The use of obscene or profane language or language that would tend to abuse the hearer or reader.

* The publication of a list of consumers who allegedly refuse to pay debts.

CLARK COUNTY COLLECTION : Collection practices will be reported to the XXXXs Bureau of Consumer Protection & XXXX XXXX XXXX in breach of Fair Debt Collection Practices Act.

Any attempt to ruin my personal credit with your collection of debt will result in legal action.

Any Further attempt to collect in the state Nevada could be considered a form of extortion NRS 205.320 I DO NOT OWE CLARK COUNTY COLLECTION A DEBT.

REMOVE THIS COLLECTION FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation