Consumer complaint received 2021-07-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Palm Beach Credit Adjustors, Inc (FL)

My name is XXXX XXXX XXXX am writing this complaint against FOCUS FINANCIAL SERVICES : ACCOUNT : XXXX, the original creditor was XXXX XXXX XXXX XXXX XXXX 
The collection company of Focus Financial Services have violated my HIPPA rights and as consumer I am afforded protection. There in non-compliance of FCRA SEC 605 ( c ) and the FDCPA SEC 809 ( b ) major violations. I wrote a certified letter on XX/XX/XXXX and the received the letter on XX/XX/XXXX but no response. They still have this negative item showing on my credit report. I have reported them to the Attorney General 's Office here in the state of Florida. Who told me they have receive many complaints against this collection company harassing and threating residents of Florida. So, they told me as resident to file this complaint if they do not delete this item of my credit report in the next 15 days to call back to there office. So they want me to gather the following documents : 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 ASSOCIATES 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 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 Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued 11/30/2009 and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective July 1, 2010. HIPAA Collection Agency Validation, Dispute, Cease & Desist .This letter is to notify the agencies that your company are violating Federal, State XXXX FRCA and FDCPA. You also have violated HIPPAA policy law. 


Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. Please also be advised that this letter 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 credit reports. 
I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges and/ or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB , XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time barred as well as in violation of Florida medical privacy rules. 
I also hereby reserve my right to have this information deleted from my credit report immediately or private civil action against you to recover damages.