Consumer complaint received 2021-05-29
Company: AmerAssist A/R Solutions, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
When I pulled my credit report inXX/XX/XXXX, I noticed a creditor by the name of AMERASSIST had placed a collection account on my credit report and I was not aware of who they were. I never received any written notification from the collection agency prior to them placing this information on my credit report.

Amerassist was reporting the following information on my credit report ; AMERASSIST, Balance : {$1700.00} The law states that AMERASSIST was to contact me 5 days prior to placing the information on my credit report or at least 5 days after and they did neither. Once I was made aware of the debt by viewing it on my credit report, my ( first CERTIFIED " Request for Validation '' went out to them on XX/XX/XXXX asking them to verify the debt by providing me the following ; 1. Itemized statement of all charges and credits on the above mentioned account from the date the account was allegedly opened to current date to substantiate the amount that you are attempting to collect. 
2. Proof of assignment of the alleged debt from the original creditor, or proof of your purchase of alleged debt from the original creditor. 
3. Statement confirming that no part of this debt was paid by an insurance claim or used as a write off for taxation purposes. 
4. Amount you paid for said debt 5. Date of last activity/payment 6. *Provide copy of HIPAA authorization furnished by the original creditor AS OF TODAY, THEY HAVE NOT PROVIDED ME WITH COPIED OF ANY OF THE ITEMS REQUESTED ABOVE. 

Also, The Consumer Financial Protection Bureau ( CFPB or " Bureau '' ) issued a second debt collection final rule that : clarifies the validation information and disclosures that a debt collector must provide to a consumer at the outset of debt collection communications and provides a model notice containing such information, prohibits debt collectors from bringing or threatening to bring a legal action against a consumer to collect a time-barred debt, and requires debt collectors to take certain actions before furnishing information about a consumer 's debt to a consumer reporting agency ( CRA ). Debt collector communication disclosure ; Debt collector 's name and mailing address ; Consumer 's name and mailing address ; If the debt collector is collecting a debt related to a consumer ( financial product or service, the name of the creditor to which the debt was owed on the itemization date ; Account number or truncated account number, if any, associated with the debt on the itemization date ; Name of the creditor to which the debt is currently owed ; Current amount of the debt ; Amount of the debt on the itemization date ; Itemization-related information ; information about consumer protections ; ) Consumer-response information ; and Consumer dispute prompts AS OF TODAY, THEY HAVE NOT PROVIDED ME WITH COPIED OF ANY OF THE ITEMS REQUESTED ABOVE. 

PLEASE NOTE THAT AMERASSIST IS IN CURRENT VIOLATION OF SEVERAL LAWS.

Company response to consumer: Closed with explanation