Consumer complaint received 2015-07-22
Company: National Business Factors
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I requested NATIONAL BUSINESS FACTOR to verify and validate this claim and i only received an itemization of charge not signed or showing any legal documentation. postmarked from XXXX. I then went to the hospital where this bill was from. They couldnt find it in there system. They called NATIONAL BUSINESS FACTOR they told them to tell me to talk to them, i have been talking to them and i ; m not getting anywhere with them, just pay the bill. 
my second dispute going out todayREQUEST FOR VALIDATION OF DEBT XXXX NOTICEDear XXXX, I have not received items that I have requested from my first NOTICE OF DISPUTE, should I remind you of, Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. I am unaware of any contract creating an obligation or indebtedness to XXXX XXXX XXXX XXXX, or Debt Collector Company NATIONAL BUSINESS FACTOR. 
So that I may further assist you, I am requesting that you validate the debt. Validation differs from verification, whereas I am challenging the authenticity of debt you are attempting to collect. Provide me with a true copy of the authenticated contract with my signature at the address provided above, as well as the other relevant information requested below Please furnish a copy of the original promissory notes redacting the assigned social security number from which the alleged debt arises. 

Please produce the accounting and general ledger statements showing the full accounting of the alleged debt that you are now attempting to collect. 

Please identify by name and address all persons, corporations, associations, or any other party having an interest in legal proceedings regarding the alleged debt. 

Please verify under penalty of perjury, that as a debt collector, you have not purchased evidence of the debt and are proceeding with collection activity in the name of the original maker of the note. 

Please verify under penalty of perjury that you know and understand that certain clauses in a contract of adhesion, such as so-called forum selection clauses, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 

Please provide verification from the stated creditor that you are authorized to act for them. 

Please review XXXX XXXX. Please provide me with all billing statements and attempts to bill my insurance company, stating dates and times and provide me with my insurance name and number on file. 

Please verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of a debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing which you know is false with the intention that others rely on the written communication to their detriment. 
Please limit your communication with me to writing only signed by investigator or any person communication in behalf of National Business Factor.

Company response to consumer: Closed with explanation