Consumer complaint received 2022-01-17
Company: Specialized Collection Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have written to Specialized Collection Systems several times, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, asking them to CEASE and DESIST all reporting and collection notice. They never did. They are still reporting this information to the credit agency ( ies ). 

I received letters from XXXX dated around XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, supposedly in response to my earlier demand notices. They all were UNRESPONSIVE to my demand and the alleged debt remains UNVALIDATED.

They're response was simply the 30 days time frame has expired, and they do not have a duty to answer my request for validation. Pay them. 
I don't recall them communicating with me other then when it showed up on my credit report. However, as a consumer I never wave my rights to requested validation or verification of any alleged debt that someone is saying I owe them.

15 USC 1692g ( c ) states : The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

I have never done business with or given Specialized Collection System permission to access any of my personal and private information. Nor did I give them permission to place inaccurate, erroneous, and damaging information on my credit report. 

I also have serious concerns and a big problem with a company ( that is not a covered entity by HIPPAs standards ) have access to my personal information and could gain private medical information by purchasing debt. 

According to HHS.gov, and HIPPA- The covered entity may perform this payment activity directly, or may carry out this function through a third party, such as a collection agency, under BUSINESS ASSOCIATE AGREEMENT. 

They refuse to provide me with the information I requested some of that information will tell me who they are and that they have authority. They can be anyone, ( which is how I see them ) typing something up and saying I owe them money. 

XXXX, also sent with there letters, several copies of documents seemly invoices with different medical entities names on them. 
However, I noticed one of the alleged invoices had their name ( SCS ) as the alleged company that rendered medical services supposedly to me. WHAT?

15 USC 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.

Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], all reference to this account must be deleted and completely removed from my consumer file, and a copy of such deletion request shall be sent to me immediately. 

I have requested XXXX to CEASE and DESIST all reporting and collection notice.

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