Consumer complaint received 2022-06-28
Company: Medical-Commercial Audit Inc
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX, and I am submitting this complaint without any influence from anyone other than myself. 
It has come to my attention that I have been deliberately violated. Mca Management has chosen to WILLFULLY violate my federally protected rights. They are using unfair, unlawful, and extortionate means in an attempt to illegally collect an alleged, invalidated debt. 
Federal law CLEARLY prohibits such. 

I have never given MCA Management or any other Organization my EXPRESS consent to furnish anything to my Consumer report. No consent is by law, considered fraud and aggravated identity theft! 
They are unable to produce a contract between their Company, and myself, giving my consent to furnish this information on my behalf, pursuant to 15 usc 1681. 
Neither can they provide proof that they've followed reasonable procedures to verify they are using my information in a manner which is fair and equittable to me, the Consumer, with regard to the confidentiality, accuracy, relavancy, and proper utilization of my Consumer report. 
Additionally non public information is not supposed to be on a Consumer Report. 

Furthermore, they have breached my right to privacy. XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. ( 15 USC 6801 ) CLEARLY states that non affiliated third parties should not have my nonpublic personal information without my consent, which is also fraud! Again, my nonpublic personal information ( transactions ) should not have been disclosed to any non affiliated third party without my lawful consent. 
This information needs to be removed from my report entirely. Nothing under the FCRA or FDCPA requires them to furnish negative information about me to a CRA, pursuant 15 usc 1681s-2 ( 7 ) ( E ).

18 USC 1894 says that punishing a Consumer for the nonrepayment of an alleged debt, by furnishing NPI to a third party without my consent as a means to make me pay or ruin my financial reputation, is a violation. It also says the furnisher ( MCA Management ) could be civilly and criminally liable, which includes fines and carries criminal penalty of up to 20 years of imprisonment. Beyond that, Congress made it explicitly clear that the Consumer is the only person who can validate an alleged debt, not even the court of law can do such. 

On XX/XX/XXXX I called MCA Management in regards to this matter, I spoke with XXXX XXXX and attempted giving her the information above. She said she didn't want to hear it. " If I don't want to pay balance today, we have nothing to discuss '', and slammed the phone in my ear. I called back and spoke with someone who did the exact same thing. They also blocked my number from calling. I called different number XX/XX/XXXX and they blocked number on all of them. I called and asked to speak with the Director and was denied. I attempted to call back and was told " you need to seek help '' and proceeded to hang the phone up in my ear. Also blocked me on that number as well. 

This is considered abusive and is beyond unacceptable. My rights have been continually violated and something must be done.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief