Consumer complaint received 2022-04-22
Company: Receivable Recovery Services, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt Collection claim was in the amount of {$460.00} from a XXXX that I haven't be too, nor use their service or any other similar service. 
This Collection has violated my rights, and adding someone else 's information on my credit report. 
I sent out a validation of debt and HIPAA authorization request in XXXX by USPS express 1 day delivery mail to the company and to the credit agency. In my letter I explained that this wasn't my debt, and please cease and desist all reporting activities within 14 days after receiving this information. Also, in my request I explained that they had 30 days to validate the request to show ownership of this debt. Neither party has responded and continues to have this information on my credit and recently updated according to my credit monitoring service. 

The company has failed to comply within my rights. I haven't received any information from this company for validation, nor a HIPAA Authorization with my signature that I had requested in writing.This company continues to practice fraud by placing un-authorize, and inaccurate/ invalid information on my credit without my consent. It has been over the time frame of my request. The company just continues to add fraud information. The credit agency themselves have violated my rights by having this information on my credit after I have requested and sent them the same information to validate this information with a 100 % accuracy, and the credit agency is in the violation of 15 USC 1681b, for even placing this on my account without my acknowledgement. I have disputed this information over 5 times and asked to personally send me validation that is my account. I haven't received anything from the credit agency nor the debt collector. 

I have asked the Credit Agency and the Debt Collector to send me a validation of debt with my signature from all parties. I have explained in writing that this is not my debt. I have asked them to cease and desist reporting until all information is received and validated This was the original request for the company to send the following information : Validation of Debt and HIPAA Authorization 1. I am requesting that the HIPAA covered entity or its business association provide debt validation for an account in question. Please provide that validation in the form of agreement, original bill, original date of closed account, and a detailed statement of procedures is required. 
2. Please provide a breakdown of fees, including any collection costs, medical changes, and a contract or agreement with the original creditor and signed by all parties involved. 
3. Please provide a copy of my signature with the provider of services to release my medical information to you. 
4. Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer. 
5. Cease any credit bureau reporting until the debt has been validated by me. 
6. Please provide me with a verified 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. 
7. Finally, please provide an affidavit signed under penalty of perjury that your organization has not violated any portion of the FCRA FDCPA or HIPAA.

Please send this information to my address listed on this form and accept this letter, sent certified mail as my formal 14 days debt validation request and 24 hours cease and desist from manners of reporting and communication, of which I am allowed under the FDCPA.

Under the FDCPA it is a false, deceptive, or misleading representation or means in connection with the collection of any debt to communicate to any person ( consumer credit reporting agency ) credit information that is known or which should be known to be fake.

Under the FDCPA, it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law. Also, my personal information was released without my consent or knowledge to a third party

Company response to consumer: Closed with explanation