Consumer complaint received 2024-03-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia (VA)

RE : Dispute Regarding HIPAA Violation and Credit Report Dear Credit Control Corporation, I, XXXX XXXX am writing to dispute a violation of the Health Insurance Portability and Accountability Act ( HIPAA ) in connection with my account.

I am concerned that Credit Control Corporation may have obtained or used protected health information ( PHI ) about me in violation of HIPAA regulations when attempting to collect a debt. HIPAA restricts the use and disclosure of a patient 's medical information without their written authorization. 

I, XXXX XXXX XXXX am also disputing all debts owed. I am also writing you this letter to revoke all means of communication with me via email, text, mail, and calls.

Credit Control Corporation did not provide validation information under 12 CFR 1006.34 ( b ) ( 5 ) but they placed a collection on your consumer report.

I have not been given the opportunity to dispute the account according to law 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Credit Control Corporation is currently violating my consumer rights by using false misleading, misrepresentation, and deceptive means.

Credit Control Corporation has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law, Credit Control Corporation in violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) I request that you investigate this matter immediately. Please provide me with the following information : * The source of any medical information you may have used in your collection efforts.

* The specific information obtained.

* How this information was used.

I also request that you remove any PHI from my file and ensure it is not used in future collection attempts. Please confirm these actions in writing within XXXX  days of the date of this letter. Also, I request that this debt be validated by furnishing my original purchase agreement between Credit Control Corporation And the original creditor. I am also requesting Credit Control Corporation licensure and bond to collect this debt from me.

Lastly, Credit Control Corporation is in violation of 1006.34 Notice for validation of debts ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( B ) Within XXXX days of that initial communication ; or ( ii ) By providing the validation

information orally in the initial communication. I did not receive proper notification. If in fact, you believe that I did receive proper notification. Please provide the Certified Mail Receipt with My Signature, Stating that I received documentation within XXXX days of the initial communication. If proper documentation Can not be produced I request that ( XXXX, XXXX, and XXXX ) investigate this dispute and remove the inaccurate information within XXXX  days. 


If I do not receive a satisfactory response within XXXX  days, I will be forced to file a complaint with the Department of Health and Human Services ( HHS ). I may also pursue additional legal action.

Thank you for your attention to this matter. 

Sincerely, XXXX  XXXX XXXX