Consumer complaint received 2018-12-19
Company: Creditors Collection Bureau, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Creditors Collection Bureau Inc. placed a medical collection on my credit report in XX/XX/2018 ... I initiated contact with a CERTIFIED request for a " Validation of Debt '' ... and other pertinent legal information .My letter specifically asked for Validation and not a mere Verification of Debt ... This is a copy of the language sent to the collection agency .... '' Attention : Collection Manager / Legal Department : File # XXXX This letter is the being sent to you in response to a reporting to the credit bureaus ( XXXX XXXX , XXXX  & XXXX  ). Be advised that this notice is sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION is requested. This is NOT a request for VERIFICATION or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I, respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; and provide a copy of the original contract bearing my signature ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ( Illinois ) and a current bond on your company ; Provide me with your license numbers and Registered Agent ; At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. If your offices fail to respond to this validation request within 15 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately! I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records ; any information obtained shall be used for that purpose.

Please Take Note And Govern Yourself Accordingly. 

XXXX XXXX Creditors Collection Bureau Inc. responded to me by sending me a VERIFICATION of an alleged debt ... They sent me and Itemized copy of confidential medical information that is specifically protected under the Federal Hippa privacy rule subsection " PHI '' ( protected health information ) and are therefore in breach of the Federal Hippa Rule which is defined as follows.. '' Definition of Breach. A breach of protected health information ( PHI ) is defined as the acquisition, access, use, or disclosure of unsecured PHI, in a manner not permitted by HIPAA, which poses a significant risk of financial, reputational, or other harm to the affected individual ... .after receipt of these documents from Creditors Collection Bureau Inc . I replied to them with a CERTIFIED letter of a " Refusal to Contract '' which was received by the collection agency on XX/XX/2018 and gave them 15 days to respond ... as of today I have yet to receive a response to my refusal to contract letter and they have not removed the erroneous collection from my credit bureau..

Company response to consumer: Closed with explanation