Consumer complaint received 2018-09-27
Company: Merchants and Professional Bureau, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This letter is in response to a negative mark found on my credit reports ( including XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and all others ) from your XXXX XXXX XXXX XXXX XXXX , XXXX. FOR XXXX  XXXX AND XXXX XXXX representing XXXX XXXX XXXX XXXX HOSPITAL company or any company that you represent, for a debt that I dont owe, contractual obligation to pay you is a violation of the FCRA & FDCPA ; & HIPAA LAW therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Regarding account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX. FOR XXXX XXXX AND  XXXX XXXX and XXXX XXXX XXXX XXXX HOSPITAL from original date of XXXX on XX/XX/XXXX. XXXX XXXX  XXXX XXXX first letter dated XX/XX/XXXX. Has verified that the account they are reporting under my name is accurate. My letter dated XX/XX/XXXX, is included and informing them they have violated and I am reporting their company to multiple agencies. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau, Attorney Generals office and the Office for Civil Rights ( OCR ). should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, XXXX XXXX ( XXXX.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. 

XXXX XXXX XXXX XXXX XXXX , XXXX. FOR XXXX  XXXX AND XXXX XXXX and XXXX XXXX XXXX XXXX HOSPITAL failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company seeking {$1000.00} per violation for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation of the Federal HIPAA Law 5. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 6. Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) AND IN  ADDITION XXXX XXXX XXXX XXXX XXXX , XXXX. FOR XXXX  XXXX AND XXXX XXXX and XXXX XXXX XXXX XXXX HOSPITAL have violated the HIPAA Health Insurance Portability and Accountability Act of XX/XX/XXXX, Federal Law. I have informed them that by law I am under no obligation to owe any money. I will sue you for {$1000.00} in damages to start. I am filing a complaint with the health information privacy and security complaint with the Office for Civil Rights ( OCR ). Listed below are the obvious violations. 

7. HIPAA LAW VIOLATIONS : Failure to adhere to the authorization expiration date - Patients can set a date when their authorization expires. A violation would be releasing confidential records after that date. 
8. HIPAA LAW VIOLATIONS Failure to promptly release information to patients - According to HIPAA, a patient has the right to receive electronic copies of medical records on demand. 
9. HIPAA LAW VIOLATIONS Improper disposal of patient records - Shredding is necessary before disposing of patients record. 
10. HIPAA LAW VIOLATIONS : Missing patient signature Any HIPAA forms without the patients signature is invalid, so releasing information would be a violation. Missing any HIPAA form.

11. HIPAA LAW VIOLATIONS : Releasing information to an undesignated party - Only the exact person listed on the authorization form may receive patient information.

12. HIPAA LAW VIOLATIONS : Releasing unauthorized health information - This refers to releasing the wrong document that has not been approved for release. A patient has the right to release only parts of their medical record. 
13. HIPAA LAW VIOLATIONS : Right to revoke clause - Any forms a patient signs need to have a Right to Revoke clause or the form is invalid. Therefore, any information released to a third party would be in violation of HIPAA regulations.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is included. 

They have violated the HIPAA Health Insurance Portability and Accountability Act of XX/XX/XXXX, Federal Law. I have informed them that by law I am under no obligation to owe any money. I will sue you for {$1000.00} in damages to start. I am filing a complaint with the health information privacy and security complaint with the Office for Civil Rights ( OCR ). Listed above are the obvious violations. 

FIRST STATEMENT : TOTAL BILL {$1500.00} TOTAL PAID {$1100.00} REMAINING DUE {$340.00} SECOND STATEMENT : TOTAL BILL {$1800.00}. TOTAL PAID {$1300.00} REMAINING DUE {$450.00} TOTAL to be DELETED DUE TO HIPAA VIOLATION {$830.00} There is still currently an inaccurate item being reported on my credit report from XXXX XXXX XXXX XXXX XXXX , XXXX. FOR XXXX  XXXX. I have contacted this company at the address listed on my credit report here : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX As you can see, I have enclosed a photocopy of my certified mail being returned from the post office due to an invalid address. 

As you can see the company name is invalid. XXXX XXXX XXXX XXXX XXXX  shows XXXX XXXX. However copies of original document violating the XXXX Law show the following : XXXX XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation