Consumer complaint received 2022-06-03
Company: BCA Financial Services, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Im writing in response to your illegal debt validation letter dated XX/XX/22. Attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX XXXX. 
For starters I DO NOT OWE XXXXCA Financial Services , Inc, your company any money! How are you attempting to collect a debt on behalf of another creditor, a medical creditor at that? Violation of HIPAA. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing that I have an account and contract with BCA Financial Services bearing my signature. 
I need you to provide me legal proof that I have the right to do business with you. What bounds me to you? What business have I done with you? 
I am demanding that you remove this account from my credit reports at once, or I will be filing another complaint with Consumer Affairs. 
It is absurd, might I add illegal for you to enter any collection on my credit file when I have not done any business with you. I do not owe you any money, and I know for a fact that a collection agency can not collect a debt on behalf of another. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Statements are not accurate or valid when adhering to The Fair Credit Reporting Act Sections 609 and 611. These regulations state that I have the right to request the original contract bearing my signature ( you must forward it ) and who has continously verified this inaccurate account. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final good will attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and 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 and the Attorney Generals office. Should you continue non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local laws. I further remind you that you may be liable for your willful non- compliance. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to to Section 807-8 ) Violation of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation