Consumer complaint received 2022-02-08
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. (IL)

This is a formal complaint against State Collection Services InXXXX for violations of the Fair Debt Collections Practices Act. I the consumer, XXXX XXXX first was called on my cell phone by State Collection Services attempting to collect a debt on XX/XX/XXXX then I received a letter dated XX/XX/XXXX from State Collection Services Inc alleging to be a third party debt collector collecting a debt on behalf of XXXX XXXX XXXX XXXX medical collection ) Exhibit XXXX. I responded with a debt validation request of XX/XX/XXXX Exhibit XXXX as I was unfamiliar with this debt collector and had not given them any permission to contact me nor did any other alleged creditors. XXXX XXXX responded to the validation request by only sending me an alleged print out of detailed medical procedures and pricing from XXXX XXXX XXXX XXXX for services provided to me on XX/XX/XXXX ( Exhibit XXXX ). XXXX XXXX Collections reported and is currently reporting this alleged debt on my consumer credit report greatly hampering my ability to acquire new credit. The FDCPA violations include : Violation of 15 USC 1692 b ( XXXX ) State Collections ( a third party debt collector ) contacting the consumer stating that I owe a debt. 
Violation of 15 USC 1692 b ( XXXX ) State Collections used an envelope or symbol in their communications indicating it was a debt collection business. 
Violation of 15 USC 1692 d by State Collections conduct in the matter has the natural consequence to harass, oppress, or abuse the consumer by reporting this alleged account on my consumer credit report. 
Violation of 15 USC 1692 XXXX by State Collections by participating in false, deceptive, or misleading representations by failing to provide by what legal authority they have to collect a debt from me the consumer. 
Violation of 15 USC 1692 e ( XXXX ) by State Collections by failing to validate the character and legal status of the alleged debt after being requested to do so. 
Violation of 15 USC 1692 e ( XXXX ) by State Collections by using unvalidated false representations or deceptive means to collect a debt by failing to validate how they have the legal authority to contact me, the consumer to attempt to collect an alleged debt. 
Violation of 15 USC 1692 g by State Collections failure to send the consumer a 30 day validation notice within 5 days of the initial communication by calling on my cell phone on XX/XX/XXXX then I sending a 30 day validation letter past the required 5 days on XX/XX/XXXX alleging to be a third party debt collector collecting a debt on behalf of XXXX XXXX XXXX XXXX medical collection ) Exhibit XXXX Violation of 15 USC 1692 g ( a ) ( XXXX ) by failing to state in the initial communications that the consumer had the right to dispute within 30 days. 
Violation of the Health Insurance Portability and Accountability Act because in paragraph numbered XXXX of the validation request it reads as follows : XXXX. An itemized statement from the alleged original creditor that a debt is owed by XXXX XXXX XXXX for an alleged business transaction to include ( XXXX ) the charge-off balance and itemized principal, interest, charges and fees ; ( XXXX ) itemized post charge-off interest, charges and fees; and ( XXXX ) a description of the debtors obligation to pay and the supporting legal documents required by your company. Although I, the consumer asked for an itemized statement that a debt is owed I did not ask for or grant the debt collector to permission to obtain detailed personal medical procedures. If the collector was unclear about that fact at the end of paragraph XXXX I stated they provide any supporting legal documents required by their company. Legal documentation would have been signed medical releases by me which I knew they did not have. They have failed to provide me not only signed medical releases but no authorization to collect a debt from me. 
The remedy I am requesting is that this account be removed from my consumer credit report immediately and that I be awarded {$50000.00} USC for the violations of the FDCPA and HIPAA