Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: TN

Complaint narrative:
To Whom It MaXXXX Concern : Subject : Formal Dispute of Alleged Medical Debt I am writing to formally dispute the validity of an alleged medical debt that has been attributed to me and to demand strict verification as required by federal law. 

This dispute is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which grant me the right to request and obtain full and complete validation of any debt being collected or reported. Because this is a medical debt, additional protections also apply under the Health Insurance Portability and Accountability Act ( HIPAA ) and other federal privacy laws.

To properly validate the alleged debt, please provide the following documentation : Required Documentation A complete itemized statement of services rendered, including service dates, charges, adjustments, payments made ( by myself or any insurance provider ), and the current balance allegedly owed.

A copy of the original contract or agreement between myself and the medical provider, including my signature, consenting to receive services and incur charges.

A copy of the assignment or purchase agreement that demonstrates your legal right to collect on the debt, including a complete chain of title from the original medical provider to your agency.

Proof of my consent to disclose protected health information ( PHI ) under HIPAA, including any HIPAA-compliant authorization form signed by me that grants permission for the medical provider to share my medical information with third-party entities, such as your agency. Without this, you are not authorized to access or use any medical data associated with me.

The name, license number, and contact information of the medical provider who claims the debt originated, and confirmation of their licensing status at the time services were rendered.

Proof that any reported information to credit bureaus is accurate, complete, and not in violation of the No Surprises Act ( if applicable ), which limits certain out-of-network medical billing.

Until such time as you provide all of the above documentation, I do not acknowledge or accept this debt as valid. Additionally, I request : That all collection activity be suspended immediately, including calls, letters, legal threats, and credit reporting.

That this account not be reported or further reported to any consumer credit reporting agency until full validation is completed, as doing so may violate the FCRA and FDCPA.

Failure to comply with these requests may result in further legal action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Department of Health and Human Services ( HHS ) Office for Civil Rights, and the Federal Trade Commission ( FTC ).

Please confirm in writing that this dispute has been received and that your collection efforts will be suspended until full compliance is achieved. This letter is sent in good faith and in the interest of ensuring accuracy, legality, and consumer rights compliance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation