Consumer complaint received 2017-10-12
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never knew about this debt and the company has been violating the XXXX as well through documented documentation. I have mailed the last certified mailing regarding XXXX accounts that are existing on my credit reports. They are account Numbers XXXX and XXXX. They keep verifying them with them with credit bureaus and not have been properly validated as well, which is a violation of the FCRA. 

I sent a letter stating the following below ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. 

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XXXX XXXX XXXX XXXX Park of XXXX XXXX XXXX XXXX GA XXXX XXXX : Acct # XXXX and XXXX To Whom It XXXX Concern : This letter is being sent to you in response to your recent fraudulent verification of an unknown medical account on my ( name of CRA XXXX report. 

This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and that there is some contractual obligation which is binding on me to pay this debt. 
Please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt or proof of acquisition by purchase or assignment. and authorization under subtitle D of the XXXX, SEC. XXXX. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. XXXX ( XXXX ) BREACH OF XXXX XXXX breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the XXXX Final Rule effective XXXX/XXXX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX for XXXX and Clinical Health Act of XXXX XXXX XXXX XXXX XXXX as issued XXXX/XXXX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XXXX XXXX, XXXX. 
Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any XXXX authorization. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. I also require 30 days to review what you choose to send me as validation purposes in order to see if IT IS INDEED A THOROUGH VALIDATION. 
Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges and/or complaints with the XXXX on your XXXX violations and XXXX XXXX, XXXX & XXXX XXXX, the BBB and XXXX XXXX associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion and illegal collection activities on any account that may be time-barred as well as in violation of SOUTH CAROLINA medical privacy rules. 
I also hereby reserve my right to take private civil action against you to recover damages. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation