Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/202XXXX AWA Collections XXXXXXXX XXXX XXXX XXXX, TN XXXX Subject : Unauthorized Access to XXXX XXXX and Failure to Provide Debt Validation Account : XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Amount of Debt : {$750.00} Date of Reported Credit Report : XX/XX/2024 Provider of Service : Elite Dermatology Dear Consumer Finance Protection Bureau , I am writing to address the ongoing issues regarding the debt validation and unauthorized access to my medical records, which are in direct violation of my rights. Despite my previous communication and requests, Awa Collections has failed to provide adequate debt validation and a protected health information release form authorizing you to have access to my complete medical records. This violation of my rights and the manner in which you have conducted your collection activities has resulted in damages, including being denied credit and the negative impact on my credit report. 

As stated in my previous certified letter dated XX/XX/2024, I requested validation of the alleged debt and a copy of my signed authorization allowing the release of my medical information to AWA Collections. 

They have unlawfully obtained my records, encompassing my entire medical history, including past medical treatments and records that are not under scrutiny. This blatant disregard for my rights constitutes a direct HIPPA violation, and I am pursuing suitable compensation for the denial of credit and the removal of this collection from my credit report. 

I have not received proper validation of the debt, including a breakdown of fees and collection costs associated with the alleged debt. Additionally, your failure to provide the necessary HIPAA authorization form indicates a disregard for patient privacy and violates the protections granted under the Health Insurance Portability and Accountability Act ( HIPAA ).

Due to your AWA Collections actions and failure to comply with the necessary regulations, I have suffered damages, including being denied credit opportunities and the negative impact on my credit report. I hereby demand the following actions for resolution : 1. Removal of Collection : I request the immediate removal of this collection from my credit report, as the collection has not been properly validated and is a result of your agency 's failure to comply with HIPAA regulations.

2. Damages : I require compensation for the damages incurred due to being denied credit opportunities and the negative impact on my credit report caused by the presence of this collection account.

I expect a prompt resolution to this matter. Failure to comply with the necessary actions outlined above will result in further legal action, including the reporting of your agency 's violations to the appropriate regulatory authorities. I also reserve the right to seek legal counsel in order to protect my rights and pursue appropriate remedies under the applicable laws.

I request a written response addressing these concerns and providing confirmation of the actions taken to rectify the situation within [ reasonable timeframe, e.g., 30 days ] from the receipt of this letter. 

Thank you for your immediate attention to this matter. I trust that your agency will take the necessary steps to rectify the violations and provide a satisfactory resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation