Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OUT TECH, INC.
State: PA

Complaint narrative:
I have identified significant discrepancies in the handling of this matter, which raise serious concerns under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 1. Cease and Desist Demand Pursuant to 15 U.S.C. 1692c ( c ), I am hereby instructing your organization to immediately cease and desist from all collection activities related to the aforementioned account. This includes, but is not limited to : Initiating or continuing phone calls to me regarding this matter. Sending written or electronic correspondence. Reporting or updating any information regarding this account to consumer reporting agencies. Failure to adhere to this demand constitutes a clear violation of federal law and may subject your organization to additional liability. 2. Debt Validation Request Under 15 U.S.C. 1692g ( b ), I am formally disputing this alleged debt and demanding full validation of its legitimacy. Validation must include, but is not limited to : A detailed, itemized accounting of the alleged balance, including principal, interest, and all fees assessed. Copies of any agreements, contracts, or other documentation that establish my legal obligation to pay this debt. Evidence that your organization has the legal authority to collect this debt, such as proof of assignment or ownership. Documentation of any payments made by me or third parties, including insurance providers. Until such time as this validation is provided, I expect all collection activities, including reporting to consumer credit bureaus, to cease immediately. 3. Pre-Arbitration Notice This letter also constitutes a Pre-Arbitration Notice in accordance with applicable law and contractual agreements. If this matter is not resolved to my satisfaction within 15 days of receipt of this letter, I intend to initiate arbitration. Please be advised that the costs associated with arbitration proceedings, including filing fees and daily administrative costs, are likely to exceed {$2000.00} per day, not including the legal fees your organization may incur. In addition, under most arbitration agreements, your organization will be required to bear the majority, if not all, of these costs. 4. Demands for Resolution To resolve this matter expeditiously and avoid further escalation, I demand the following : The immediate removal of this account from all consumer credit reporting agencies. Payment of {$5000.00} in damages for the emotional distress, XXXX, and reputational harm caused by your mishandling of this matter. A full cessation of all collection activities until this dispute is resolved and proper validation has been provided. Conclusion This matter requires your immediate attention. Failure to respond in a timely manner with the requested information and actions will leave me no alternative but to pursue all available remedies, including arbitration or legal action. Please direct all correspondence and documentation to my address listed above. Your compliance within the legally prescribed timeframe is both expected and required. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation