Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To Whom It XXXX Concern, Subject : Formal Dispute Duplicate and Unlawful Medical Collection by CAPIO PARTNERS ( Acct # XXXX ) This letter serves as a formal notice and dispute of the inaccurate, duplicated, and unlawful medical collection accounts being reported by Capio Partners on my XXXX  credit report. These accounts are tied to an alleged balance of {$980.00} and originate from XXXX XXXX XXXX XXXX. Capio Partners is not the original creditor, and there is no contract or purchase agreement between myself and Capio Partners, making this alleged debt invalid and legally uncollectible.

Violations of Federal Consumer and Privacy Laws 1. No Contractual Obligation / No Purchase Agreement Where is the purchase agreement? Provide the original signed contract or agreement where I, XXXX XXXX, entered into a legal obligation with Capio Partners.

You can not legally collect a debt unless you can prove ownership of the alleged obligation and a valid debtorcreditor relationship.

Under 15 U.S. Code 1692g ( FDCPA ), you must provide proper validation, including the original signed agreement establishing that I owe Capio Partners any money. 

Assignment of debt documents, invoices, or screen printouts do not satisfy federal validation requirements.

2. Duplicate Reporting FCRA Violation There are two entries for this same account, with identical balances and dates. Reporting the same debt multiple times falsely inflates my debt, misrepresents my credit profile, and is a violation of : 15 U.S. Code 1681i ( a ) Duty to correct or delete inaccurate, incomplete, or unverifiable information 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) Furnishers of information must not report inaccurate data 3. HIPAA Violations This is a medical debt, and under HIPAA, my personal health information ( PHI ) can not be shared or disclosed to third parties without my express written authorization.

Capio Partners is a third-party debt collector, and unless they have obtained a valid HIPAA release , their possession and reporting of this account is a federal privacy violation.

4. Failure to Provide Full Debt Validation To date, I have not received any original documentation, billing statements, or proof of services from the original creditor, nor any evidence that this debt is valid and enforceable.

Under FDCPA 15 U.S. Code 1692g ( b ), until you provide full validation, collection efforts must cease.

A data entry, Excel printout, or balance summary does not constitute legal proof of indebtedness.

5. Emotional and Financial Harm Civil Liability This account has caused ongoing financial hardship and emotional distress, and your continued reporting of an inaccurate and unverifiable collection has : Damaged my creditworthiness Interfered with housing, employment, and financial opportunities Violated my rights under the FCRA, FDCPA, and HIPAA, exposing your company to civil penalties under 15 U.S. Code 1681n and 1692k.

I Demand the Following Actions Immediately : Full deletion of both entries associated with Capio Partners from all credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX

Cease and desist from any further collection activity unless full, legally valid documentation is provided.

A copy of the purchase agreement and signed co
ntract between myself and Capio Partners proving you own this debt and that I owe it to you.

A written response within 15 calendar days confirming deletion, or I will escalate. Failure to Comply Will Result In : Immediate filing of a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Notification to the Federal Trade Commission ( FTC ) Con
tact with the Office for Civil Rights ( OCR ) for HIPAA violations Potential civil litigation for damages and statutory violations under FCRA, FDCPA, and HIPAA You are hereby notified that this is a formal dispute and any further reporting of this unvalidated debt is a willful violation of federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief