Consumer complaint received 2016-03-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Consultants of California (CA)

I am not a customer of CCOC past, present, or future. I am a XXXX veteran on XXXX, please see attached burden of proof. I have sent the following text to Collections Consultants and their lack of response or estoppel by silence is something that I would like have looked into. 

I have been advised that FCRA and FDCPA have been violated by Collections Consultants Of California and that I am entitled to statutory damages plus my attorney fees. I do not wish to litigate, but if need be I will. I am requesting that the CFPB please investigate CCOCs validation procedure. 

Below is what was sent to CCOC Via XXXX Certified mail and has been in their possession for quiet sometime now. 

" XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, California, XXXX COLLECTION CONSULTANTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX/XXXX/XXXX RE : XXXX VIA Certified Mail To Whom It May Concern, This letter, sent certified mail is to formally advise you that I can not pay this debt and have no attachable income or assets to levy. 

I believe that I am judgment proof and I can prove it if necessary in a court of law. Should you attempt to file suit against me I will provide the court with valid proof of my situation. 

My circumstances are that I am judgment proof because : XXXX XXXX -I have no assets, no home or car ( to attach ), no income and no prospects and ; I am XXXX, XXXX, on XXXX 



I understand the debt is due, however your repeated attempts to collect are causing me much stress and therefore I must also ask you to cease and desist you ( if the account is being pursued by a third party debt collector ). If my situation changes, I will contact you immediately. 

If you do not agree with the above statements I am requesting validation of the alleged debt. I am aware that there is a debt from, but I am unaware of the amount due and a detailed breakdown of any fees has n't been provided. Please consider this my request. 

Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of XXXX ) to protect my privacy and medical records from third parties. I do not recall giving permission to anyone to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges - Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, of which I am allowed under the FDCPA. 

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 

Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. 

Kind regards, XXXX XXXX XXXX