Consumer complaint received 12-11-2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: In XXXX of XXXX I noticed a derogatory mark on my credit files reporting to all 3 major bureaus. This was for a medical debt in the amount of {$490.00} by XXXX XXXX XXXX. I immediately disputed the item with XXXX and it was unverified and deleted from my. I also disputed the same item with XXXX and XXXX. The item was also deleted from my XXXX file after a second dispute in XXXX continue to report the item. After contacting XXXX they suggested that I contact XXXX to dispute the item directly with them. I sent XXXX a letter disputing this account asking them to verify this debt ( proof of the agreement with their client granting them the authority to collect with dates/ times this debt allegedly occurred. ) sent via certified letter ( with proof ) and they received it on Friday XXXX XXXX, XXXX. Prior to sending the dispute to XXXX I did not receive any letter or communication from them whatsoever regarding this matter. On XXXX XXXX, XXXX I received a bill from XXXX demanding payment in full. The letter did not prove anything and was only a demand payment letter with the amount owed. Being this is a third party attempting to collect a debt I expected them to provide more detailed proof such as an original invoice from the original creditor with detailed info about services rendered, dates and times etc. I did not receive this. I sent another dispute via certified mail on XXXX XXXX and have yet received anything from them. Clearly this is a case of unverifiable debt on their part and I requested they remove it and report to XXXX. Under the FCRA I have a right to have this debt validated and I have not been given the evidence due under my right to prove what they say is accurate. It is still being reported as a derogatory remark on my XXXX file and has caused unnecessary financial hardship. my rights are being violated and XXXX is not following FCRA guidelines designed to protect consumers. XXXX is a collection agency ( XXXX ) party and legally obligated to furnish proof they have a right to collect on this debt. I have not been given proof and would like this company to cease reporting inaccurate information and demanding that I pay them. Or provide the information I requested and verify which should not be difficult if it valid and not erroneous or an attempt to extort money from hard working people like myself! I did n't make the rules that constitutes Fair Debt Collection, but I am following them and they are not! Can you please help me? If it is mine and I see tangible proof then I will make good on my end, if they cant provide me with something ( invoice, bill, proof etc ) its mine then I refuse to pay it and am asking you to mediate and or remedy this situation by asking them to adjust their records and send that to XXXX as well. Thank You.

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