Consumer complaint received 2020-06-08
Company: BC SERVICES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
BC SERVICES INC has placed two collections on my credit report illegally. I have notified them in the past to send me an written, signed agreement showing that I owe them a debt that they are trying collect on from XXXX XXXX XXXX  with a partial account number of XXXX. When I called XXXX they said they could not locate an account with that number in their system. I also notified XXXX XXXX XXXX that I do not remember signing any HIPAA release that said that i give them permission to share any portion of my medical file with anyone other than me or my husband. This collection agency has violated the FDCRA as well as HIPAA for having access to any portion of my my medical records to include, Name, Address, Social Security as well as any amount that is reflective of any care. this is a very serious situation and I have retained an attorney in XXXX to look into this. They suggested that I reach out first to see if this collection company wants to remove the items from my credit reports, if not I am fully prepared to take this to court and protect my rights under Federal Law. The total for this debt is XXXX and I do not owe the collection company anything as I do not have a written agreement with them. They are also reporting another collection for XXXX from XXXX XXXX XXXX XXXX Account # XXXX. Once again no HIPAA release was signed to give this practice the right to send any portion of my medical bill or records to a 3rd party company. This is again a serious HIPAA violation and I am fully prepared to protect my rights under the law. 

The reporting of this on my credit report without giving me proper notice in writing is a serious violation of the FDCRA and I will be enforcing this by asking the State Attorney Generals office to investigate this collection company for illegally reporting something to the credit bureaus and not sending proper documentation to challenge this.

I am demanding that this company send me verification of debt. The FTC has already ruled that simply sending an itemized bill or statement does not meet the federal guidelines. Also if they do have an itemized bill or statement containing my personal info this would support a HIPAA violation. If i take this to court the penalty under law is {$1000.00} fine per violation in this case 2 collections being illegally reported, to all 3 bureaus for a total of XXXX in fines. Also I am requesting a signed, wet signature contract showing that I have an obligation to pay this 3rd party collection company.

If this company can not provide legit, verification, NOT A BILL or STATEMENT, showing that I owe them this then I am requesting that the CFPB investigate them for illegally trying to collect on this debt and illegally reporting this to the credit bureaus.

Lastly this compliant is with the collection company and not the bureaus. So any attempt to further communicate with the bureaus ( other than removing the two collections ) will  be another violation of the FDCRA and I will ask that another full investigation be opened into this violation. Since there are major violations here, I am Demanding that the law be followed and these two accounts be removed. 

Any attempt to refresh the date of last activity to further gain financial exposure to me will be considered another violation of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation