Consumer complaint received 2020-11-10
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, I made a complaint to the Consumer Protection Financial Bureau, due to the erroneous and fraudulent reporting to the Credit Bureaus by Credit Control Corporation. To date, despite two CFPB complaints, and eight requests for notification of/validation of debt, Credit Control Corporation has never sent me notification of four accounts of alleged debts, my right to dispute the four accounts of alleged debts, nor has Credit Control Corporation sent any true validation of these debts, that shows any indebtedness to them. Nevertheless, the continued and fraudulent negative reporting to all three bureaus has continued, in continued violation of FCRA and FDCPA. 

On XX/XX/XXXX, I was notified that Credit Control Corporation was still working on my complaint, via the CPFBs portal. 

On XX/XX/XXXX, the following response was upload by Credit Control Corporation via the CPFBs portal : Debt validation documents sourced from the consumer 's creditors are being mailed to him, today. Included are cover letters w/ instructions for filing an identity theft report. The status of each CCC-furnished trade line is being amended to " disputed ''. FDCPA-compliant collection letters were mailed to the consumer for each account on-file. The USPS returned them to us stating the consumer " moved/left no forwarding address ''. CCC spoke w/ the consumer on XX/XX/XXXX. He stated he knew what we were calling about then hung-up. '' On XX/XX/XXXX, I received documents from Credit Control Corporation, that were not responsive to my validation request. The generic printouts that were sent are not verified or certified copies, contain no contract or signatures from me, and most importantly, do not show any indebtedness to Credit Control Corporation. Per their cover letter to me, it specifies that " the components of your account balance are as follows : -Physician/ professional services ( may include office/er visit/exam/diagnostics, xray, lab, pathology, etc. ) -Inpatient/Outpatient Hospital treatment and services ( may include other ancillary services. There are attached, unverified documents that are supposed to be of my medical records, showing service performed. Although these alleged documents are not verified or certified in any way, it is a violation of my rights under HIPAA, for Credit Control Corporation to be in possession of any alleged medical records for me, as I have not signed a medical release form for any of my information. 

On XX/XX/XXXX I sent another four individual requests for validation, via certified mail, outlining my dispute against four alleged debts, and my intent to sue Credit Corporation for all violations of FCRA, FDCPA, and HIPAA, under the maximum amount the law will allow, if these fraudulent accounts are not removed from my credit report. 

On XX/XX/XXXX, all four letters were delivered via certified mail. 

To date, no corrections have been made to my credit report. 

Credit Control Corporation 's violations of FCRA, FDCPA, and now HIPAA are egregious and unlawful. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } Credit Control Corporation 's claim is still disputed, and to date, Credit Control Corporation has provided no certified and true documentation, that I am indebted to them in any fashion.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation