Consumer complaint received 2016-12-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Jon Barry and Associates, Inc. (NC)

Paragon Revenue Group keeps reporting my sons debt to my credit report. He was on my insurance, and my sons mother kept taking him to emergency room without my knowledge and i stopped working for the employer and i was continuously charged. And as a result this debt is being reported to all XXXX credit agencies. I also mailed Hipaa letters. XXXX letters and they are still saying this debt is valid, and i wasnt even aware of this debt.They have yet to provide me any documentation with my signature proving the validity of these debts. It is hurting my credit score tremendously. 

The credit company is Paragon Revenue Group, to date they have XXXX accounts on my report Paragon Revenue Group XXXX XXXX XXXX acct # XXXX {$840.00} Paragon Revenue Group XXXX XXXX acct # XXXX {$640.00} Paragon Revenue Group XXXX XXXX XXXX no acct # Balance owed {$1100.00} Paragon Revenue Group XXXX XXXX XXXX acct # XXXX {$650.00} Paragon Revenue Group XXXX XXXX XXXX no acct # {$640.00} Paragon Revenue Group XXXX XXXX XXXX XXXX {$1200.00} Paragon Revenue Group XXXX XXXX XXXX XXXX no amount shown Please help me verify these debts or remove them from my report with all XXXX credit bureau reports XXXX, XXXX, and XXXX. This is the letter that was sent to them regarding my debt and they only sent me bills, no other info .Dear Paragon Revenue Group, After viewing a copy of my credit report, I noticed a collection accounts placed on my credit reports. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Sincerely, XXXX XXXX Please contact me as soon as possible when this matter has been resolved