Consumer complaint received 2021-04-16
Company: Receivables Outsourcing, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
RECEIVABLES OUTSOURCING , LLC is a third party who received my nonpublic information from XXXX XXXX who I never gave any consent or permission to share my nonpublic information to this said third party debt collector. These actions are illegal as they were an infringement on my right to privacy and it was an attack against my reputation and character. RECEIVABLES OUTSOURCING , LLC are civilly liable for all the damages my family and I have sustained.RECEIVABLES OUTSOURCING, XXXX communicated with me the consumer without my written consent that was in connection with the collection of a debt. RECEIVABLES OUTSOURCING , LLC willfully and knowingly gave false or inaccurate information as well as failed to provide information which they are required to disclose under the provisions according to the law in this subchapter. This a direct violation of 15 USC 6823. RECEIVABLES OUTSOURCING , LLC used communication and sent communication through the mails to my location information and place of employment without my expressed consent which was an unusual place and time for me. This is a direct violation of 15 USC 1692c ( a ), 15 USC 1692c ( a ) ( 1 ) and 15 USC 1692c ( a ) ( 3 ). RECEIVABLES OUTSOURCING , LLC threatened me to coerce payment of an alleged debt with language like The above-referenced account has been placed with our office for collection. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THIS COMMUNICATION IS FROM A DEBT COLLECTOR. Pay by Phone or Pay by Mail. Unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days after receiving this notice that the debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. If you request this office in writing within 30 days after receiving this notice, this office will provide you with the name and address of the original creditor, if different from the current creditor. 
This language was obscene and profane in the contents of the communication which was abusive and oppressive towards me the reader and hearer. This is a direct violation of 15 USC 1692d ( 1 ) and 15 USC 1692d ( 2 ). Federal law prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. The use of false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. RECEIVABLES OUTSOURCING , LLC is a nonaffiliated third party and I the consumer never gave any expressed consent for this company to have my nonpublic information. I was not given the opportunity, before the time that such information was initially disclosed to direct that such information not be disclosed to such third party ; and I was not given any explanation of how I could exercise my opt out nondisclosure option. This is a direct violation of 15 USC 6802 ( a ). I feel as if I have been violated on so many levels.

Company response to consumer: Closed with explanation