Consumer complaint received 2021-09-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Illinois Collection Service, Inc. (IL)

FACT : Im submitting this complaint myself and their is no third party involved.

FACT : I, have reason to believe and do so believe that this organization, ILLINOIS COLLECTION SERVICE INC, did not loan me anything.

FACT : ILLINOIS COLLECTION SERVICE INC is a consumer reporting agency per Federal law 15 USC 1681a ( f ) the term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports FACT : I have reason to believe that this organization made a journal entry and/or ledger, monetized it off that ledger, and is now hypothecating more debt than originally established.

I, never gave ILLINOIS COLLECTION SERVICE INC expressed written instructions to furnish a consumer credit report per Federal law 15 U.S. Code 1681b ( a ) ( 2 ).

FACT : I, consumer, do not consent to any use of a consumer report relating to in connection with any credit or insurance transaction that is not initiated by me.

ILLINOIS COLLECTION SERVICE INC had unauthorized use of my credit card ( social security card ) as defined by Federal Law 15 U.S. Code 1602 FACT : A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information ( other than medical contact information treated in the manner required under section 1681c ( a ) ( 6 ) of15 U.S. Code 1681b about a consumer FACT : No consent is identity theft and I did not consent for my private information to be furnished, housed, kept, or collected in any system, record keeping, corporation or database.

FACT : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy as stated in Federal law 15 U.S. Code 1681b.

FACT : I never signed a contract with ILLINOIS COLLECTION SERVICES INC for them to create ICS Acct. #.

FACT : I, am on the national DO NOT CALL registry and have never given ILLINOIS COLLECTION SERVICES INC permission to contact me via telephone, which is a Telephone Consumer Protection Act violation. See 47 U.S.C. 227 FACT : The communications and phone conversations from ILLINOIS COLLECTION SERVICES INC have been incredibly stressful for me as a Consumer. Receiving these communications made me feel anxious, afraid, frustrated, exposed, helpless, confused and offended every time I saw their company name or logo on a piece of mail in my mailbox. Their recent letter dated XX/XX/2021 contained personal identifiable information including my name, my place of abode, my medical record number, date of a XXXX  XXXX performed, and the name and birth date of my child. This is a gross neglect of my privacy, especially in regards to my healthcare. 
FACT : I never contracted with ILLINOIS COLLECTION SERVICE INC or gave them written permission to contract with me. My employer has received information from this debt collector without my written consent. As an employee of the XXXX XXXX XXXX XXXX  XXXX we underwent routine credit checks and ILLINOIS COLLECTION SERVICE INC gave me severe emotional & mental stress thinking that I would lose my job because it reported false allegations on my creditworthiness.

FACT : ILLINOIS COLLECTION SERVICE INC attempts to collect money from me for an alleged debt that has never been validated has increased my mental stress level and anxiety. I felt embarrassed, less confident, and depressed that someone alleged I owed money. As a result of this company 's gross misconduct I have been damaged. Below are a list of damages I have incurred pursuant to Federal law : 15 USC 1679b 15 USC 1692a 15 USC 1692b 804 15 USC 1692c 805 15 USC 1692d 806 15 USC 1692e 807 15 USC 1692f 808 15 USC 1692g 809 15 USC 1692j 812 15 USC 1692k 813 15 USC 1692c 15 USC 1692d 15 USC 1692e 15 USC 1692f 15 USC 1692g 15 USC 1692h 15 USC 1692i 15 USC 1692j 15 USC 6801a 15 USC 6801b3 15 USC 6802 ( b ) ( a ) ( A ) ( B ) ( C ) 15 USC 6821a 15 USC 6823a 47 USC 227