Consumer complaint received 2018-12-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: State Collection Service, Inc. (FL)

This complaint is based on violations of the FDCPA and the FCRA by State Collection Service ( SCS ). 

___ On XX/XX/2018, I reviewed my credit reports and saw a collection account reported by SCS regarding an alleged medical debt. I was never aware of this account so I had no opportunity to dispute the debt until this point. 

___ On XX/XX/2018, I disputed the debt directly with SCS in  writing. In my dispute, I included the very same form letter provided on the website of the CFPB for consumers to request validation of debt. 

___ SCS received my letter on XX/XX/2018 via certified mail. 

___ In my letter, I instructed SCS to cease collection of the debt until it was validated. 

___ In my letter, I advised SCS that I intended to dispute the account thru the credit reporting agencies, and that if they verify the account to any credit reporting agency prior to validating the debt, then this would be a violation of the FDCPA for failing to cease collection of the debt. 

___ On XX/XX/2018, I disputed the account thru the credit reporting agencies. My dispute included that I had no knowledge of the account, and that [ SCS ] failed to validate the debt as required by the [ CFPB ]. 

___ Between the dates of XX/XX/2018 and XX/XX/2018, I received the results of the investigation from the credit reporting agencies, where SCS failed to cease collection of the debt because they falsely verified the account thru the credit reporting agencies. 

___ At no time did SCS validate the debt or provide the answers and materials set forth in the form letter as provided from the website of the CFPB. 

___ Based on the aforementioned facts ( and supported by the attached Exhibit ), SCS engaged in following violations of the FDCPA and FCRA : ___ ( a ) Violation of the FDCPA 15 USC 1692g in that they failed to validate the debt and have continued collection activity thru use of the credit reporting system. 

___ ( b ) Violation of the FDCPA 15 USC 1692 ( e ) in that they have taken action that can not legally be taken. 

___ ( c ) Violation of the FDCPA 15 USC 1692e ( 10 ) in that they employed false or deceptive means to collect a debt. 

___ ( d ) Violation of the FDCPA 15 USC 1692e ( 2 ) ( A ) in that they misrepresented the character, amount of legal status of the debt. 

___ ( e ) Violation of the FCRA 15 USC 1681c ( a ) ( 6 ) ( A ) in that they published the name of a medical provider on my credit report. 

___ ( f ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( A ) in that they failed to conduct a reasonable investigation of my dispute thru the credit reporting agencies. 

___ ( g ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( B ) in that they failed to review all relevant information provided in my dispute to the credit bureaus. 

___ ( h ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( E ) in that they failed to modify, delete, and/or permanently block the reporting of inaccurate or unverifiable information on my credit reports.