Consumer complaint received 2018-04-09
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 a certified letter was sent to XXXX ( XXXX XXXX XXXX ) requesting that alleged debts that they reported to the credit reporting agencies and that is showing negative on my credit report be validated. I was requesting validation of these alleged debt since I had no prior knowledge of the alleged debts and because I had no knowledge of the alleged original creditor requesting payment of the alleged debts. I received a response to the validation request ( which is being attached ) and upon carefully reviewing the letter there are a few concerns with XXXX ( XXXX   XXXX XXXX ) lack of providing an accurate validation of these alleged debts. 
In the letters sent by XXXX they blatantly and falsely stated that I was aware of the business that they conduct with doctors who provided services in heath care facilities throughout the country. Prior to this letter I did not have any knowledge of what matter these alleged debts stemmed from. 
There are inaccuracies with these alleged debts, on my credit reports XXXX is listed once with one account number but two different amounts upon receiving the failed attempt to validate these alleged debts. I received two separate generic letters with different account numbers and alleged balances.

After receiving the correspondence from XXXX and being informed that these alleged debts were medical debts it leads me to believe that XXXX did not provided a proper validation to be HIPPA Complaint and this can be an assumable violation of the FDCPA because this company is blatantly withholding and or trying to deceive me after I made a request for a complete validation of the alleged debts. The health insurance portability and accountability act ( HIPPA ) sets the standard for sensitive patient data protection. Companies that deal with protected health information ( PHI ) must have physical, network and process security measures in place and follow them to ensure HIPPA compliance. Covered entities anyone providing treatment, payment, and operations in healthcare and business associates and anyone who has access to patients information and provides support in treatment, payment, or operations must meet HIPPA Compliance. Other entities, such as subcontractors and any others business associates must also comply. 
I never gave XXXX any consent to have any privy to any of my medical records nor did I provide a signature to any consent records that would allow XXXX to access my medical records. 
In XXXX failed attempt to validate this alleged debt their letter only gives 1. An alleged service date, 2.  Alleged Creditor name, 3. Alleged balance and lastly alleged account numbers yet they did not provide an alleged signature of the alleged contract nor a breakdown of the alleged medical charges. 

After receiving XXXX ( XXXX XXXX XXXX ) correspondence it lead me to due further research of this company which after searching the Texas Secretary Of State website I was enlighten that XXXX is not an bonded Debt collector in the State Of Texas Section 392.101 Of the Texas finance code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas  unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the office of the secretary of State. As of date XXXX has no bonding with the Texas Secretary of State that permits them to collect a debt in the State of Texas. For this reason, Im adamantly requesting that all collection attempts cease and desist for these alleged debts. 

Lastly, Im again adamantly demanding permanent removal of these alleged debts from XXXX ( XXXX   XXXX XXXX ) records and the alleged original creditors records and most importantly Im demanding removal of these alleged debts from all Major and 3rd party credit reporting agencies and bureaus. If this matter is not properly handled I will seek all legal remedies and actions that are available to me, such as but not limited to filing a written complaint with the Texas Attorney General. 
Im also requesting that any actions that are taken regarding this matter be sent in a correspondence for my records. 

I deny any acknowledgment or ownership of these alleged debts and again demand that this matter is fully resolved in a timely matter. 

Best Regards, XXXX 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