Consumer complaint received 2021-09-22
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2021 : Credit Bureau shows that account was opened. Under the Fair Debt Collection Practices Act, Section 809, Subsection ( a ) Notice of Debts : ( documents, pg.1 ) 1. THERE WAS NEVER AN INITIAL CONTACT 2. I NEVER RECEIVED A WRITTEN NOTICE CONTAINING : a. The amount of debt b. The name of the creditor to whom the debt is owed ; c. A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector. //////////////////////////////////////////////////////////////////////////////////////////////////// /////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/2021 : Became aware of account but ONLY through an app notification from XXXX, XXXX, and XXXX. ( documents, pg.2 ) /////////////////////////////////////////////////////// /////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/2021 : I submitted a dispute of the account through XXXX. They considered the account accurate. ( documents, pg.3 ) /////////////////////////////////////////////////////////////////////////////////// /////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/2021 : I mailed a data validation letter to Medical Data Systems through Certified Mail using the United States Postal Service. In the letter I asked for information proving beyond the shadow of a doubt that I was responsible for the debt including : ( documents, pg.4 ) 1. Justification of the amount claimed, including invoices or receipts 2. Explanation of how you calculated the amount owed 3. Copies of any documents stating that I agreed to pay the claimed amount 4. Contract bearing my signature 5. The identity of the original creditor 6. Proof that the Statute of Limitations has not expired on this account 7. Proof that you are licensed to collect debt in my state 8. Your license numbers and Registered Agent or Agent of Service //////////////////////////////// /////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/2021 : The certified letter was received by Medical Data Systems. ///////////////////////// /////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/2021 : I received a response in the form of a bill that includes medical information and prices but does not include my signature, no proof of their statutes, no proof of any licensing that Medical Data Systems can legally collect a debt in my state. ( documents, pg.5-6 ) ///////////////////////////////////////////////////////////////////////////////////////////////////////////// /////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/2021 : I mailed a second debt validation letter asking for the missing information this time under threat of filing a CFPB complaint and possible legal action. ( documents, pg.7 ) ///////////////////////////////////////////////////////////////////////////////////////////////////////////////// /////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/2021 : The certified letter was received by Medical Data Systems. //////////////// /////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/2021 : Received a response stating Because your dispute alleges no new facts and includes no new information on which to form the basis for a new investigation, we will not be conducting another investigation of dispute pursuant of the Fair Credit Reporting Act. ( documents, pg.8 ) ///////////////////////////////////////////////////////////////////////////////////////// /////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// Requests : It is the responsibility of the debt collector to prove beyond the shadow of a doubt that an individual is financially responsible for any debt, ESPECIALLY debt that is considered medical in nature. Medical Data Systems failed to not only validate this debt but also failed to show proof that they are a legitimate company who can legally collect on a debt in my state. I am requesting that Medical Data Systems cease all attempts of collecting any debt that is not my responsibility and to remove all negative information from all three credit bureaus : XXXX, XXXX, and XXXX.

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