Consumer complaint received 2020-12-11
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX, XXXX, XXXX I sent a letter ( via certified mail ) to the following third party debt collection agency. One had also been sent previously ( on XX/XX/XXXX ). 


Dear EOS CCA I initially received a bill from you on XX/XX/XXXX and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I requested that you allow me to validate the alleged debt. Per your communication, there is a debt from XXXX XXXX. 

On XX/XX/XXXX, I sent a debt validation request via United States Postal Service Certified Mail, requesting validation. 

On XX/XX/XXXX, I received a letter from EOS CCA referencing an account number. That letter appears to be a duplicate of the correspondence received in XXXX of this year. While this letter contains service dates, it does not provide information regarding the types of services rendered. Please also be informed that I have never been a patient of XXXX XXXX. 

I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX for them to release my medical information to a third party. 

I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical services provided. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. 

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. 

I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 


Sincerely, XXXX XXXX *I had never received the debt validation within 30 days ( as requested ). On XX/XX/XXXX, while awaiting on a call from a company with whom I conduct business, I noticed a missed call in my call log. I dialed that number ( believing it to be from the company I had been waiting to speak with ). 

The company responsible for the missed call was EOS-CCA. The representative who answered my call, asked that I Identity myself ( which I did ). They also asked that I confirm my date of birth and last 4 digits of my social security number. I DID NOT. I asked the representative to send whatever communication/validation via U.S. mail. The representative did not affirm my request, but rather stated that they had already sent me communication via mail. 

The representative then began to speak specifically to the medical procedures associated with that alleged debt and informed me that the dates of service was XXXX, XXXX, XXXX. Afterward, the representative suggested various means by which this debt could be paid. 

I did NOT acknowledge this debt as having been mine, nor did I confirm/validate my DOB or social security number.

Company response to consumer: Closed with explanation