Consumer complaint received 2023-04-13
Company: Cascade Capital, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I had disputed this debt with XXXX and sent them certified mail that they were not to collect my bills as it was a HIPPA violation. They dismissed the debt, but the company sold my debt to another third party. Again, this violates my HIPPA rights as I never gave XXXX XXXX XXXX Permission or Acute Care Specialists PLLC, XXXX XXXX XXXX XXXX, or Cascade Capital Funding , LLC to sell my debt to a third party. Furthermore. I am allowed under the HIPAA law ( XXXX XXXX Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX for them to release my medical information to a third party nor did I give XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MN, XXXX Permission to sell my debt to Cascade Capital Funding , LLC XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX CA XXXX. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patient 's authorization, therefore my request is twofold and as follows : I am requesting that the HIPAA covered entity or its business associate provide debt validation for an account in question. Please provide that validation in the form of agreement, and original bill, and a detailed statement of procedures is required, if any. 
Please provide a breakdown of fees, including any collection costs and medical charges, if any. 
Please provide a copy of my signature with the provider of service to release my medical information to. 
Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer, if any. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please provide me with a verited certificate of authority, and proof that your company is licensed to collect debt in my state. Kindly provide me with a license number and registered agent or agent of service Finally, please provide an affidavit signed under penalty of perjury that your organization has not violated any portion of the FCRA, FIDCPA, or HIPAA. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request of which I am allowed under the FDCPA. 

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 

Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. 

I await your reply with the above requested proof. Upon receiving it. I will correspond back with you by certified mail. 

Kind 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