Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX am writing this complaint against ACCOUNT RESOLUTION SERVICES, ACCOUNT # XXXX. the original credit is INPHYNET CONTRACTING SERVICE LLC. The collection company of ARS have violated my XXXX  that affords me consumer protection, there in non-compliance of FCRA SEC 605 ( c ) and FDCPA SEC 809 ( b ) major violations. I wrote them a certified letter on XXXX and they received on XX/XX/XXXX ( I have attached the letter that was sent and receipt of certified ) mail with no response. They still have these item showing as negative on my credit report. I have reported them to the Attorney General 's Office here in my state of Florida. Who told them they receive many of compliance against this company harassing and threating residents of Florida. So, they told me to as resident to file this complaint if the items are not off within 15 days limited to call back to there office. So, they want the following : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the XXXX Final Rule effective XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XXXX XXXX XXXX XXXX  Collection Agency Validation, Dispute, Cease & Desist .This letter is to notify the agencies that your company have violated my XXXX rights. 


Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any XXXX authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. 
I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges and/ or complaints with the XXXX  on your XXXX violations and appropriate County, State & Federal authorities, the CFPB XXXX BBB and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time barred as well as in violation of Florida medical privacy rules. 
I also hereby reserve my right to have this information deleted from my credit report immediately or private civil action against you to recover damages. 

If these items are not deleted immediately we will be filing for damages against your company.

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