Consumer complaint received 2016-07-12
Company: Merchants and Medical Credit Corporation, Inc.
State: AL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
File No. : Account No. : # XXXXM & M Credit , # XXXX XXXX { also to include any other accounts in my name } Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX Email : XXXXXXXXXXXX Dear Sir /Madam, This letter dated XXXX XXXX, XXXX is to notify you, your company claiming ownership of this alleged loan, note and or Debt. That I am exercising my rights under the " Fair Debt Collections Practices Act '' as codified at 15 USC 1692, which stipulates that a debt collector must, if requested, provide validation of the alleged debt, i.e. validate the debt, per " The Fair Debt Collections Practices Act '', " FDCPA ''. The debt collector ( Foreclosure Attorney, Bank, Alleged Lender, XXXX XXXX / Hospital and Etc.,. ) is mandated under " FDCPA '' to cease and desist ALL collection activity until validation of the original note is provided. This letter requests VALIDATION of the alleged debt accompanied by an Affidavit from the Alleged Lender. Please provide the following : 1.Copy of the original alleged note accompanied by an AFFIDAVIT from the alleged Lender 2. Identify to what the alleged debt pertains. 3. Provide details how the alleged debt was calculated. ( XXXX v. XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX Circuit Court, XXXX XXXX. 4. Provide Regulation Z, and Notice of Right to Cancel ( Truth in Lending Act ) 5. Provide copies of any papers that show that I agreed to pay the alleged debt. 6. Identify the original creditor. 7. Provide the agreement between the creditor and your firm which authorizes you to collect funds ( without a contract, your firm has no right to foreclose ). 8. Provide evidence that the Statute of Limitations has not expired on this account. 9. Provide evidence that you are licensed to collect in my state. 10. Provide your license numbers and the Alleged Lender 's Registered Agent. Please provide the above information within five ( 5 ) business days from the postmark date or email date to : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Email : XXXXXXXXXXXX Sincerely, XXXX XXXX LETTER TO ALL XXXX CREDIT BUREAUS XXXX, XXXX, XXXX XX/XX/XXXX Re : According to the FAIR CREDIT ACT PLEASE ADHERE. Please address ALL XXXX issues below. Thank You 1. Please remove these XXXX accounts completely from my NEGITIVE ACCOUNTS [ also any others you still have. I have addressed ALL on my reports before ] from my credit report [ M & M and XXXX ]. Each of the XXXX has removed XXXX but not the other. So that ALL three have the same information to remove. I have enclosed or attached a copy of my second and final request to each credit agency and primary alleged debt owner. 
M & M CREDIT # XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXX Placed for Collection : XXXX/XXXX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$1100.00} Date Updated : XXXX/XXXX/XXXX Original Amount : {$1100.00} Original Creditor : XXXX XXXX XXXX XXXX ( Medical/Health Care ) Past Due : XXXX {$1100.00} XXXX ; Pay Status : XXXX In Collection XXXX Remarks : ACCT INFO DISPUTED BY CONSUMR XXXX PLACED FOR COLLECTION XXXX ; Estimated month and year that this item will be removed : XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX {$240.00} XXXX/XXXX/XXXX {$240.00} CHARGE-OFF XXXX XXXX XXXX XXXX , XXXX ( XXXX ) XXXX Account Number : XXXX Current Status : CHARGE-OFF 2.inquires. Please Delete ALL HARD INQUIRES THAT HAVE AN EFFECT ON MY CREDIT SCORE. 
" In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the BELOW address. 
If your investigation determines the inquiry was authori

Company response to consumer: Closed with non-monetary relief