Consumer complaint received 2023-03-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dynamic Recovery Solutions, LLC (TX)

This complaint is being filed against collection agency Dynamic Recovery Solutions. XX/XX/2023 I checked my consumer report and found this unknown collection company was reporting on my XXXX  consumer report. I then sent this collection agency a certified validation request on XX/XX/2023 at the address specified on my consumer file Dynamic Recovery Solutions, XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX tracking # XXXX and Dynamic Recovery received my letter on XX/XX/2023. I have even sent my first initial dispute for this unknown account with the XXXX on XX/XX/2023 putting them on notice that I have never signed a hipaa release form with this alleged creditor. I am aware of Hipaa laws and understand that these Hipaa laws help protect consumers medical information from being used without the consumers consent. XX/XX/2023 XXXX generated me with results report # XXXX and the outcome was Remains and that the company has certified to XXXX  that the information is accurate. XX/XX/2023 I then sent XXXX my 2nd dispute letter explaining how is it possible for XXXX to get a response from the collection agency before I have and I sent the company my validation request 3 days before I even sent the first initial dispute to XXXX. I also notated the new amendment that started this year XXXX  in regards to medical collection tradelines less than {$500.00} will no longer be reported on consumer reports and my request was for a deletion. XX/XX/2023 XXXX generated me with my 2nd results report # XXXX and again the results outcome was Remains and that the company has certified to XXXX  that the information is accurate. in addition to my results. I noticed that there was NO NAME attached to these results and that there was NO attached report to view for the details in the 9 pages that was included with these results for me to view. This has to be some kind of violation that XXXX generated a consumer report without the consumers name attached. How could XXXX  verify a account in regards to a unknown consumer? Finally I sent my 3rd dispute to XXXX just recently XX/XX/2023 tracking XXXX and this time I requested a description of the procedures used to determine the accuracy and completeness of XXXX  certified as accurate results 1681i ( a ) ( 7 ) because I want to know how XXXX verified the account with this collection company when I have not gotten a response from Dynamic Recovery in regards to my direct letter sent to them. XXXX has yet to receive my letter but the tracking says my letter should be delivered by XX/XX/2023. In conclusion, It has been past 30 days since this collection agency received my request and I have gotten no response and under the FDCPA the account must be deleted for failing to respond and provide proper evidence within 30 business days 1692g ( b ). This collection agency has not provided me with any information regarding this alleged debt therefore, According to the FDCPA 1692c ( c ) I have full right o refuse to pay a alleged debt without proper legal validation and I stand by my legal protective right to do so. I feel as tho Dynamic Recovery is in clear violation of the FDCPA and making me and other creditors feel as tho coerce payment is necessary on this unvalidated debt because of the advertisement Dynamic is displaying on my consumer reports, I feel as tho I am being harassed and attacked to pay a alleged debt with a unknown collection agency without legal documentation that shows this collection agency is the legal owner of the alleged debt, when I legally am not obligated to pay them without proof 1692d ( 4 ). I am not asking for verification this collection agency has my name and mailing address such information is not proper and legal validation that I owe this alleged collection agency anything. Maybe this complaint will get there attention to get them to respond to me instead of blindly certifing the accuracy and completeness with XXXX  on this alleged account.