Consumer complaint received 2022-06-29
Company: Medical-Commercial Audit Inc
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is not a refusal to pay, but a notice that I am disputing what is being reported on my consumer report by Medical Commercial Audit Inc and XXXX. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this alleged debt, the date of the alleged medical service, name of the patient, proof that there is some contractual obligation which is binding me to pay this debt to YOU. 

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATED OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 

The term " Breach of security '' means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX of XXXX as issued XX/XX/XXXX and the penalty rules of the FCRA and XXXX including XXXX XXXX changes final rules effective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor where they agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. 

Please be advised that this complaint is not only a formal dispute but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my consumer credit report. 

I never gave the original creditor XXXX XXXX XXXX XXXX permission to sell this so-called debt to Medical Commercial Audit Inc . I do not owe Medical Commercial Audit any money. I never signed a contract with them. I do not know who they are. Medical Commercial Audit Inc. is reporting this so-called debt on my consumer credit report illegally. Because of this Medical Commercial Audit Inc owes me {$1000.00} in damages because I can not obtain credit and this negatively hurting my credit score. PLEASE DELETE THIS NEGATIVE REPORTING OFF MY CONSUMER REPORT. 

Both XXXX and Medical Commercial Audit have violated many FRCA laws and that constitutes my right to have any and all negative information removed. If this is not removed I will sue! 
15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish any accounts without my written permission. 
15 U.S.C. 1692c states that without prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief