Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Email : XXXX SSN ( last 4 ) : XXXX Date : XX/XX/year> VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED AmeriCollect , Inc . 
Attn : Compliance Department / Legal Department XXXX. XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX Attn : Patient Financial Services / Compliance XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : Account # XXXX ( per XXXX  ) CEASE AND DESIST / HARASSMENT COMPLAINT / FULL DEBT VALIDATION DEMAND / DISPUTE OF ALLEGED DEBT / DEMAND FOR IMMEDIATE DELETION FROM ALL CREDIT REPORTS To Who

m It May Concern : I am writing to formally dispute the validity of the above-referenced alleged debt and to invoke my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), the Fair Credit Billing Act ( 15 U.S.C. 1666 ), the Uniform Commercial Code 9-210 ( Fla. Stat . 679.2101 ), and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 1. IMMEDIATE CEASE AND DESIST 15 U.S.C. 1692c ( c ) I refuse to pay this alleged debt and hereby demand that you immediately and permanently cease all communication with me by telephone, text, mail, or any other means except as expressly permitted by law. 2. HARASSMENT AND ABUSIVE CONDUCT 15 U.S.C. 1692d AmeriCollect has called my telephone in excess of 1,000 times. Each time I block one number, a new spoofed or alternate number is used the very
same day. This relentless bombardment has continued for months and has caused me severe emotional distress, XXXX, and fear. I have lost the ability to safely answer my own phone because of the non-stop abuse. Your conduct constitutes harassment with intent to annoy, abuse, and oppress in direct violation of 15 U.S.C. 1692d, 1692d ( 5 ), and related provisions.

3. Full Validation Demand 15 U.S.C. 1692g & UCC 9-210 / Fla. Stat . 679.2101 You are required to provide complete validation, including but not limited to : Copies of any document bearing my actual signature creating this obligation Proof I had legal capacity to contract while medically incapacitated during the hospital admission Full accounting and proof of assignment from the original creditor Documentation of the charity-care write-off that reduced the balance to {$0.00} 4. Debt Extinguished by XXXX XXXX XXXX XXXX approved me for 100 % charity care and reduced the balance to {$0.00} ( see enclosed approval letter ). Reporting this extinguished debt more than two years later is false, deceptive, and misleading.

5. Severe Harm Caused My credit score dropped from approximately XXXX to significantly lower I lost access to prime interest rates on auto loans, credit cards, and other financing I have been denied credit and suffered higher borrowing costs I now suffer constant XXXX  and have lost the ability to use my own telephone because of your harassment 6. Demand for Immediate Deletion FCRA 1681 et seq.

You are directed to permanently delete this tradeline from XXXX, XXXX, XXXX, and all other consumer reporting agencies within 10 days and provide written confirmation of deletion.

7. 30-Day Deadline Within 30 days of receipt you must : 1. Cease all collection activity and all communication ( except written confirmation of compliance ) 2. Provide full validation as described 3. Permanently delete the tradeline and send me proof Failure to comply will result in immediate complaints to the Consumer Financial Protection Bureau, the attorneys general of Florida and Wisconsin, and the filing of a federal lawsuit
seeking actual damages, statutory damages of {$1000.00} per FDCPA violation, punitive damages for harassment, costs, and attorney fees.

I have enclosed the XXXX XXXX charity-care approval letter.

Govern yourselves accordingly.

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation