Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

*THIS IS NOT A DUPLICATE COMPLAINT* *THIS IS IN RESPONSE TO COMPLAINT # XXXX Account Number : XXXX Dear XXXX XXXX XXXX, I hope this letter finds you well. I am writing to you as a final attempt to resolve the matter regarding the account [ Account Number : XXXX ] that you have reported on my credit report. This letter serves as official notification that unless the aforementioned account is promptly removed from my credit report within four ( 4 ) business days, I will have no choice but to pursue legal action against Account Resolution Services, LLC ( ARS ) for multiple federal violations, including aggravated identity theft pursuant to 18 USC 1028A, as well as extortion, theft by deception, securities fraud, and mail fraud.

Despite my previous attempts to communicate with ARS regarding this matter, no satisfactory resolution has been achieved. I have consistently requested trilateral contracts between ARS, the original creditor, and myself, which are necessary to validate the existence and accuracy of the alleged debt. To date, ARS has failed to provide any such documentation or proof of their legal authority to collect the debt in question. 

Furthermore, I am aware that ARS has violated my rights to privacy by obtaining and purchasing my identity information from another party without my consent. This is a clear infringement on my privacy rights and a violation of applicable laws and regulations. I demand an immediate explanation for this action and insist on the removal of my personal information from your records.

It is worth mentioning that the account in question relates to medical professionals ' services. However, there is no evidence or documentation provided by ARS that validates the debt prior to reporting it to my consumer credit report. This failure to follow proper debt validation procedures further demonstrates ARS 's negligence and violation of federal regulations. 

As I stated in my previous complaint, I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). Therefore, I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). 

Given the gravity of the situation and the numerous federal violations committed by ARS, I demand the immediate removal of the account [ Account Number : XXXX ] from my credit report within four ( 4 ) business days. Failure to do so will leave me with no choice but to pursue legal action to protect my rights and seek appropriate compensation for the damages incurred as a result of your actions. 

Please be advised that for each violation, I will seek remedy in court and request a compensation of {$1000.00} per violation, as allowed by applicable laws and regulations.

I expect a prompt response to this letter within 7 business days from the date of receipt. If I do not receive a satisfactory response within the specified time, I will proceed with filing a lawsuit against ARS to seek legal remedies available under the law.

Please consider this letter as my final attempt to resolve this matter amicably before pursuing legal recourse. I strongly advise ARS to act in a responsible and lawful manner by promptly removing the account from my credit report and refraining from any further collection activities related to this debt. 

Thank you for your immediate attention to this matter. I trust that you will handle this situation with the seriousness it deserves, and I hope that we can resolve this matter outside of the court system. 

Yours sincerely, XXXX XXXX