Consumer complaint received 2026-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) sent me an initial Regulation F validation notice for an alleged {$7500.00} debt owed to XXXX XXXX, part of XXXX XXXX. On XX/XX/XXXX within the dispute window XXXX provided ( XX/XX/XXXX deadline ) I mailed XXXX a formal written FDCPA 1692g dispute and validation demand via USPS Certified Mail with Return Receipt, confirmed delivered. More than XXXX days have now passed and XXXX has not responded. On XX/XX/XXXX I received a text message from short code XXXX identifying Central Portfolio Control , Inc. ( " CPC '' ) as a debt collector for what appears to be the same alleged debt same original creditor ( XXXX XXXX XXXX - XXXX ), same balance ( {$7500.00} ), under a different agency ID ( XXXX ) and account number ( XXXX ). This indicates that, while my dispute with XXXX remained unresolved, the account was transferred to CPC. I have received no written validation notice from CPC, only a text directing me to a payment website. Under CFPB Regulation F ( 12 C.F.R. 1006.34 ), CPC must mail a written initial notice within XXXX days of first contact. I am simultaneously today, XX/XX/XXXX, mailing ( a ) a second-notice FDCPA verification demand to CCS, and ( b ) a written dispute, 1692g validation demand, and 1692c ( c ) cease-and-desist ( written-only communication ) to CPC, both via USPS Certified Mail with Return Receipt. The documents the original creditor has already supplied the XXXX XXXX " Statement of Services '' included in the XXXX XX/XX/XXXX packet raise substantive concerns that go to whether this debt is lawfully collectible at all : ( XXXX ) * * IRS XXXX ( r ) non-compliance. * * XXXX XXXX is part of XXXX XXXX, a 501 ( c ) ( 3 ) nonprofit subject to Internal Revenue Code 501 ( r ) and 26 C.F.R. 1.501 ( r ) -6. Before any " extraordinary collection action '' including referral of an account to a collection agency a nonprofit hospital must make " reasonable efforts '' to determine the patient 's eligibility for financial assistance under its Financial Assistance Policy. The Statement of Services dated XX/XX/XXXX expressly states : " Financial Assistance Determination : Not on file. '' Yet the account was referred not once but twice to outside collectors. ( XXXX ) * * XXXX XXXX of XXXX as primary payer. * * The Statement identifies " XXXX OUT OF STATE '' as the primary insurance. Under Social Security Act 1902 ( n ) ( 3 ) ( B ) and 42 C.F.R. 447.15, providers generally can not balance-bill XXXX beneficiaries for covered services beyond what XXXX pays XXXX No XXXX or XXXX remittance has been provided. ( XXXX ) * * Itemization deficiency. * * The Statement lists a lump-sum charge of {$7600.00} with no CPT/HCPCS codes, less an unexplained {$100.00} credit, leaving the {$7500.00} alleged balance. ( 4 ) * * Transfer of disputed debt without disclosure. * * Under 15 U.S.C. 1692e ( 8 ), any party communicating credit information about a disputed debt must indicate the disputed status. If XXXX or XXXX transferred this account to CPC without disclosing that it was in active written dispute, that transfer was itself an FDCPA violation by the transferring party. I am requesting that the company named in this complaint ( a ) provide full written verification of the alleged debt, including documentary proof of XXXX XXXX 's XXXX ( r ) financial assistance eligibility determination prior to referral to collections, the XXXX Out of State EOB or remittance advice, a XXXX itemization from the original creditor, and the source and date of the {$100.00} credit, OR ( b ) confirm in writing that the account has been withdrawn from collection and will not be reported to any credit bureau .

Company response to consumer: Closed with explanation