Consumer complaint received 2021-11-21
Company: Creditors Bureau Associates
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing the CFPB as a final formal complaint against CREDIT BUREAU ASSOCIATES for violating my rights under the FDCPA. They are in clear violation of my consumer rights. I have asked them repeatedly to produce evidence of the fact that I owe them this debt and I am going to postulate the following to you in response to the last dispute I submitted to the CFPB. They replied that they sent me evidence of this debt on XX/XX/XXXX which I have attached the evidence of the medical records they mailed me. 
XXXX. They did not mail any evidence with the medical records other than the full medical records of the procedure done to this individual. 
XXXX. Their rebuttal was that I owe the " creditor '' this debt. First of all, it is none of your business who I owe anything to if it does not directly involve you. So since you claim to be collecting this debt, you are required to submit clear evidence that you have a right to have these medical records without a HIPPA release. I know I did not sign a HIPPA release because I did not get any evidence from you proving this. Since you " claim '' you sent me a letter on XX/XX/XXXX to substantiate this debt, then attach the evidence in your rebutal here so that the CFPB can be a witness to the evidence you sent besides medical records which clearly is a violation of PHI and HIPPA according to the OCR and the FDCPA. As for the original creditor, I believe they are in violation on FCRA as well for selling medical records on a patient without a HIPPA contract signed by the patient authorizing you to have access to the private medical procedures performed on a patient, so if this is the case, then CBA XXXX and XXXX XXXX XXXX are at risk of a law suit, where you will have to provide evidence of this in court and you will be required to pay all court costs if you lose your premise in court, which is what I intend to do next, as I have already consulted a lawyer about this matter and am ready to escalate this. The next letter you will get from me is a letter from my lawyer petitioning you on my behalf. 
XXXX. You are reporting the debt to XXXX using the address : CREDIT BUREAU ASSOCIATES XXXX XXXX XXXX, XXXX, GA XXXX USING ACCT # : XXXX and whith XXXX as CREDIT BUREAU ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX USING ACCT # : XXXX ( I attached the evidence of the deviation of addresses on the last page of this attachment ). 
I wrote to the address at XXXX XXXX XXXX as you can see the date of my letter which I mailed via XXXX and the letter was received by someone named " XXXX '' on XX/XX/XXXX at XXXX. On the XXXX, the NEXT DAY, they mailed me the medical records that I have attached here for your review. I also attached evidence of the mailing envelope which shows the address of XXXX XXXX XXXX, XXXX, GA XXXX dated XX/XX/XXXX. Show me what other evidence you sent with these medical records because I don't have anything else that you claim to have sent to me when I asked you to validate this debt. 
XXXX. You say that I need to attach evidence that this debt is not mine. You are the one who needs to prove to me why you have been reporting this debt on my credit since XX/XX/XXXX and validate the reporting of this debt and I never received anything in writing from you advising me that you were collecting on this debt so that I could dispute this debt with you prior to you reporting this to the credit bureaus to damage my credit worthiness which is causing me great distress and I will be suing you for defamation of character if we end up in court. 
Finally, I close with this : Enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX for XXXX and XXXX XXXX Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XXXX XXXX. 
I require compliance with the terms and conditions of this letter within the time frame given by the CFPB, or a complete withdrawal, in writing, of any claim. Please also be advised that this 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. 
Respectfully, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation