Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
Provide a brief description of the complaint including dates and the names of those you dealt with : On XX/XX/year>, I received a collection notice from Gulf Coast Collection Bureau XXXX XXXX, alleging a debt supposedly owed to XXXX XXXX XXXX. The notice referenced Account XXXX. XXXX and XXXX XXXX. XXXX, claiming an amount of {$3700.00}. I dispute the validity and accuracy of this debt in its entirety and have exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX ( b ), the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX ( b ), and the Florida Consumer XXXX Practices Act ( XXXX ), Chapter XXXX, Florida Statutes XXXX 

The alleged medical debt reported by Gulf Coast Collection Bureau XXXX XXXX appears to be the result of a medical billing error or unauthorized assignment of charges from XXXX XXXX XXXX. I categorically deny ever receiving any service, treatment, or billing statement related to this account. No consent forms, patient intake records, insurance claim files, or invoices bearing my signature exist to substantiate the alleged debt. 

Under federal law, medical providers and collection agencies are prohibited from furnishing or collecting inaccurate or unverified medical information. The actions of Gulf Coast Collection Bureau XXXX XXXX may also constitute a violation of XXXX, XXXX XXXX XXXX, and Florida Statutes XXXX ( XXXX ) by attempting to collect a debt that is not legitimate or verified. 

On XX/XX/year>, I sent a certified Debt Validation Request to Gulf Coast Collection Bureau, demanding lawful validation of the alleged account. The letter requested : Proof of the original signed contract bearing my signature. 

The complete chain of custody or assignment from XXXX XXXX XXXX to Gulf Coast Collection Bureau. 

Evidence of their legal authority to collect or ownership of this debt. 

All account statements and billing history justifying the claimed balance. 

Compliance evidence under the FCRA, including verification methods and furnishing data sources. 

To date, the company has failed to provide any of the requested validation documents. Despite this, they continue to report, threaten, or attempt to collect the disputed amount, violating my rights under both federal and state law. 

This conduct constitutes : Violation of XXXX XXXX. XXXX ( b ) failure to cease collection pending debt validation. 

Violation of XXXX XXXX. XXXX false or misleading representation regarding debt status or ownership. 

Violation of XXXX XXXX. XXXX using unfair or unconscionable means to collect a debt. 

Violation of XXXX XXXX ( XXXX ) attempting to collect a debt with knowledge that it is not legitimate. 

Violation of XXXX XXXX failing to provide written notice of assignment prior to collection. 

Violation of FCRA XXXX ( b ) failure to conduct a reasonable investigation of disputed credit information. 

This pattern of conduct is XXXX XXXX and XXXX  It creates harm to my credit reputation and emotional distress due to continuous collection efforts on an unverified and possibly fraudulent debt.

Company response to consumer: Closed with explanation