Consumer complaint received 03/14/2018 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was sent a letter of response to a validation request that was submitted XXXX XXXX Services. After reviewing the letter, I noticed a number of inaccuracies, issues and concerns. 
1. This account DOES NOT BELONG TO ME.

2. I was only provide a description line that included the date of alleged service ( s ), name of the alleged original creditor, alleged invoice #, alleged original balance, alleged current balance and alleged account number ( s ), 3. I was not provide with an invoice nor a breakdown of the alleged fees and or medical charges.

4. I also was not provided a signature of the alleged contract, giving my consent to release my medical information.

5. Per all 3 credit reports from the major reporting bureaus, this collection agency has 2 accounts listed XXXX in the amount of {$680.00} and XXXX in the amount of {$370.00}, in the response sent to me by the agency, only one account was listed and that was XXXX ( copy of letter attached ) further proving great inaccuracies. 
6. Due to them withholding information received from a medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because this agency is deceiving me after my request.

7. According to Section 392.101 of the Texas Finance Code, a third party collector, by law, has to obtain a surety bond and file it with the Texas Secretary of State and as of date of the complaint, the agency does not have said bond in place further adding additional consumer infractions. I have made several searches to locate said bond and wasnt able to do so.

Because they are reporting several addresses I did multiple searches.

In the state of Ohio there are 178 agencies and or collection companies that are legally able to collect in the state of Texas and XXXX and or Account Resolution Services or both were not listed In the city of XXXX there are 38 agencies and or collection companies that are legally able to collect in the state of Texas and XXXX and or Account Resolution Services or both were not listed In the state of Florida there are 280 agencies and or collection companies that are legally able to collect in the state of Texas and XXXX and or Account Resolution Services or both were not listed In the city of Sunrise, there are 3 agencies and or collection companies that are legally able to collect in the state of Texas and XXXX and or Account Resolution Services or both were not listed After further researching this agency even the information I found results in illegal actions on their behalf by bonds being inactive and or closed before any attempts to collect were taken. 

Principal Name : XXXX XXXX XXXX, XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX File Number : XXXX Status : Canceled Close File Date Filed : XX/XX/XXXX Cancellation Date : XX/XX/XXXX Phone : XXXX XXXX : XXXX XXXX XXXX XXXX Bond No : XXXX Principal Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, MT XXXX File Number : XXXX Status : Canceled Close File Date Filed : XX/XX/XXXX Cancellation Date : XX/XX/XXXX Phone : XXXX XXXX  : XXXX XXXX XXXX XXXX Bond No : XXXX Principal Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Bureau XXXX XXXX XXXX XXXX Credit Bureau XXXX XXXX Nebraska XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX File Number : XXXX Status : Canceled Close File Date Filed : XX/XX/XXXX Cancellation Date : XX/XX/XXXX Phone : ( XXXX ) XXXX XXXX XXXX : XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX results are directly from the Texas Secretary of State website. 

As a result I am demanding that any and all collection activity not only cease and desist but any and all records be PERMANENTLY removed from their records and the original creditor ( s ) records as well ( Original Creditor being XXXX PRIMARY CARE PHYS SW PA ) and most importantly the PERMANENT removal from ALL 3 MAJOR CREDIT BUREAUS and 3rd party reporting agencies/bureaus as well. Failure to do so will result in me to seek further legal actions such as but not limited to filing a written complaint with the Texas Attorney General and the FTC due to known violations of the FDCPA. 
Upon removal of all records and accounts, I am also requesting that a letter be sent to me at the address given with all actions that were taken for my records. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation