Consumer complaint received 2021-06-23
Company: Transfinancial Companies, Inc
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Good Afternoon, I have being reaching out to this company since mid XXXX about resolving this matter. I asked them for a Debt validation letter and an HIPPA agreement with my signature on the document.Transfinancial Companies, LLC violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practice Act, and Defamation of Character. I draft a affidavit to Transfinancial Companies, LLC. The affidavit stated ; This not a dispute letter, This is consumer demand letter. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. I shall file a class action lawsuit for violating the FCRA and FDCPA violations are as follows not limited to reporting inaccurate information, reporting information that resulted from crime ( s ) and/or crime ( s ) of identity-theft, unlawfully collections of debt, calling after designated hours by law, defamation of character, and misrepresentation of true credit worthiness. I ask that all fraudulent information listed below be deleted and/or monetary relief for violating my consumer rights.

this is violation of my consumer rights. A list below of all the violation that have being breaking so far.

According to the Fair Credit Reporting Act FCRA 611 15 U.S. Code 1692c - Communication in connection with debt collection ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX  XXXX  and before XXXX XXXX  XXXX, local time at the consumers location ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 U.S. Code 1681 - Congressional findings and statement of purpose findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, creditstanding, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

15 U.S. Code 1692b. Acquisition of location information ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 15 U.S. Code 1692d - Harassment or abuse ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 


( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

After they received the letter This how they reply to me Dear MrXXXX XXXX Thank you for your email below. I have reviewed the account associated with your email. 

I see that you have previously filed a written dispute as to the validity of the alleged debt at issue ; and that Transfinancial Companies, in conjunction with its client, XXXX XXXX, has conducted an investigation and determined that the debt at issue is a valid debt. Transfinancial Companies provided you documentation supporting the position of XXXX XXXX that the debt is indeed valid. 

In your below email, you have indicated that Transfinancial Companies reporting to the credit bureaus contains fraudulent information and have implied that you have filed an affidavit of some sort. Transfinancial Companies has not received any affidavit from you and you have not provided to Transfinancial Companies any specificity as the fraudulent information you reference. If it is your claim that you are a victim of identity theft, I will be pleased to review this claim further if you can provide additional details of the identity theft in an affidavit or otherwise. It is my assumption though, and please correct me if I am wrong, that you are not claiming identity theft since you make no mention of identity theft in the written dispute you sent to Transfinancial Companies in XXXX of this year. If you are indeed a victim of identity theft as it relates to the debt at issue, perhaps the dental records and photographs taken by XXXX XXXX can assist the justice system in connection with any criminal complaint you may have or will file against this perpetrator.

If you have further information that you would like to provide regarding the alleged fraudulent information you claim is being reported, I will be happy to review that information.

Kind regards, My office can not give you legal advice. Information provided by my office should not be construed as legal advice. If you have questions or concerns regarding your legal rights you should contact your own attorney. 

THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 

XXXX XXXX XXXX General Counsel Transfinancial Companies, LLC XXXX XXXX XXXX XXXX XXXX, LA XXXX

Company response to consumer: Closed with explanation