Consumer complaint received 2022-03-17
Company: AR Resources, Inc. (FL)
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Contact- ( XXXX ) XXXX XXXX - 15 U.S.C. 1681a ) Restriction on sharing of medical information. 

Section 807 ( 11 ) FDCPA mini-Miranda. In an initial communication with a consumer, the collector has to disclose that he or she is attempting to collect a debt and that any information obtained will be used for that purpose. Later communications also have to disclose that theyre coming from debt collectors. 
FTC penalty {$1000.00} XXXX ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( XXXX ) ( B ) ( I ). Furnishing negative deragatory information. ( In my case false medical information. ) XXXX. Notice ; Knowledge. ( FCRA Penalty {$2500.00} ) Primary tabs ( a ) Subject to subsection ( f ), a person has " notice '' of a fact if the person : ( 1 ) has actual knowledge of it ; ( 2 ) has received a notice or notification of it; or ( XXXX ) from all the facts and circumstances known to the person at the time in question, has reason to know that it exists. 

Stat. 1-54 ( NC Defamation- Libel ) AR RESOURCES INC held liable for defamation and in the state of NC a creditor is who collects their on debt is considered a debt collector under FDCPA. 

Company failed to provide receipt of certified communication. I WAS covered by insurance. The hospital did not charge the insurance agency and instead charged me directly. I had no idea about this debt until it appeared on my credit report. The company AR Resources , Inc., NEVER contacted me notifying me of the debt. They also reported the date of first Delinquency is the day I was RECEIVING TREATMENT inside the hospital not 30 days late. I was never contacted by this company before I requested validation. I recently created an account with XXXX. Upon account creation I noticed a collection account ( XXXX ) to the tune of {$1700.00} was on my credit report for medical collections. AR Resources XXXX Inc ( FL ) is the agency reporting this information. Once I received the information behind the collection on the XXXX portal ; I began communications with the collection agency via a Debt Validation letter. The letter was mailed certified XX/XX/XXXX. I have received a response from the company XX/XX/XXXX. The contents of their database disclose Reason for service. Not only is that my PHI but the " XXXX '' is a complete lie. I was only at the hospital for XXXX XXXX. I was processed in and back out within the time period of 2 hours. After reading further into their findings they included a document from the Hospital ( XXXX XXXX of XXXX ). I never signed this document, received a copy from the hospital, nor signing this document. I was no incapacitated and was in a conscious state of mind. This document is signed via " Verbal Consent '' " Self '' and initialed " Verbal '' " Verbal. '' Not only was I not aware of this document but it also discloses my personal health information. I DID NOT SIGN/ AUTHORIZE this document. This is a clear violation and my personal health information was included along with extremely erroneous and false information. HIPPA Violation. Seeking possible litigation/claims. 

FTC Report - XXXX XXXX XXXX VIOLATION REPORT- XXXX

Company response to consumer: Closed with explanation