Consumer complaint received 2022-12-02
Company: Business Revenue Systems, Inc.
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dispute Business Revenue Systems , Inc XXXX XXXX XXXX XXXX XXXX IN XXXX File XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), I requested that Business Revenue Systems , Inc validate the alleged debt. I am aware that there is a un validated clam of debt from Business Revenue Systems , Inc, Debt does not include a breakdown of any fees information provide was a letter written by Business Revenue Systems , Inc on their letter head not from original owner and a statement and a document that may be a hospital policy neither is acceptable form of validation. The FTC has noted that providing a copy of a printout, bill, or alleged account documents does not constitute validation. Mere itemization of what you already have does not accomplish my requested debt validation.Additionally, 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 Business Revenue Systems , Inc for them to release my medical information to a third party or receive it. 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 twofold validation of debt and HIPAA authorization.

Business Revenue Systems , Inc has also failed To Also include Method of verification under FCRA 611 ( a ) ( 7 ). This should include the following : * The How with which you verified the information *The name of the person handled your request and provided proof of ownership of Debt through physical verification * The address * Which documents you obtained to verify Ownership of Debt. If none are satisfied under federal law, you must delete file/ tradeline * Please provide breakdown of fees including any collection costs and medical charges and physical proof from original debt including a Physical Signature from original Debtor.

*Provide a copy of my signature with the provider of service to release my medical information to Business Revenue Systems, Inc or any other third party.

* to Verify- through physical verification of the original signed consumer and provide correct dates * Cease any credit bureau reporting until the debt has been validated.

Business Revenue Systems , Inc has failed to provide me with copies of all documentation associated with these Debts bearing this information with my authorization of release bearing my signature. To be in full compliance with the FCRA laws and guidelines, all information listed needs to be immediately deleted from the credit file and there tradelines Business Revenue Systems , Inc maintains under my social security number, date of birth, and /or address. Per the Federal Law, Business Revenue Systems , Inc has Exceeded the 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).

Business Revenue Systems , Inc failed Per the Federal Credit Reporting Act. Section 609 ( a ) ( 1 ) ( a ). Business Revenue Systems , Inc failed by Federal law to Verify- through physical verification of the original signed consumer - all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As Such, if this unauthorized public record information is needs to be deleted from Business Revenue Systems , Inc trade lines and credit report, This is a formal debt validation request, which 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 and must prove ownership.

Additionally, any reporting of this debt to the credit bureaus prior to validation it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. Business Revenue Systems , Inc failed your reply with above requested proof.

Company response to consumer: Closed with explanation