Consumer complaint received 2022-06-16
Company: Medical Data Systems, Inc.
State: ME
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After receiving an alert on my XXXX  consumer report from XXXX, I noticed that a company named Medical Data Systems furnished negative account information to XXXX on XX/XX/XXXX about an alleged debt, that I have no knowledge of ever owing them. I never heard of this company and have NEVER received any initial communication about this alleged debt. To furnish this information without communicating with me first, is a clear violation of my consumer rights. It is clear that this company is " Debt Parking '' this debt on my consumer report without even attempting to communicate with me. This is a clear violation of my consumer rights under the FDCPA and the FCRA. To use this unfair and deceptive collection tactic is a major violation, that should not be overlooked by the CFPB. This is the second company that has attempted to " Debt Park '' a negative account that I have no knowledge of on my consumer reports through the CRA 's. According to the CFPB, Regulation F ( effective date XX/XX/XXXX ) implements the FDCPA, prescribing Federal rules governing the activities of debt collectors. Even after this rule change ( effective date XX/XX/XXXX ) this company still chose to violate my consumer rights. This is no doubt a pernicious practice that needs to firmly addressed by the CFPB. 
Violation # 1 : According to 12 CFR 1006.18 ( d ) A debt collector must not use any false representations or deceptive means to collect or attempt to collect any debt. This company clearly violated this rule by " Debt Parking '', which is defined by the FTC as an unfair and deceptive collection practice.

Violation # 2 : According to 12 CFR 1006.30 ( a ) ( 1 ) A debt collector must not furnish to a consumer reporting agency as defined in section 603 ( f ) of the FDCPA 15 USC 1681a ( f ) information about a debt before the debt collector either speaks to the consumer about the debt in person, or by phone, or places a disclosure in the mail, or sends a electronic message to the consumer about the debt, and waits for a reasonable period of time to receive a notice of undeliverability. The company listed in this complaint clearly did not follow this rule, and decided to overstep the rule of consumer law and " Debt Park '' this debt on my consumer report anyway.

Violation # 3 : According to 12 CFR 1006.34 ( c ) A debt collector must provide a consumer with validation information such as a debt collector communication disclosure, information about the debt, information about consumer protections, and consumer response information. By this company 's complete disregard to follow this rule under the FDCPA and FCRA has resulted in neglecting my consumer right to dispute and my right to request validation of this alleged debt.

In this complaint, I've clearly pointed out three ways that this company has violated my consumer rights under the FDCPA and the FCRA. By using this unfair and deceptive debt collection tactic they have damaged my XXXX consumer profile. 
Medical Data Systems Account # XXXX Date Opened : XX/XX/XXXX Date Last reported : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation