Consumer complaint received 2020-10-29 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:
ARS stated they verified with their client Inphynet Contracting Services that the information was accurate. I am entitled by law to know what method of verification was used to obtain this information so that I can determine the accuracy and completeness of this claim. 
Which is why I asked for debt validation. VALIDATION is forwarding copies of actual proof of the alleged debt & alleged debt from the ORIGINAL creditor whom they claim to be as Inphynet Contracting Services. 

ARS noted in their response If requested, they must provide the consumer with validation of the debt. I formally requested in writing sent certified mail full documentation of what ARS received from the provider of service in connection with these alleged debts on multiple occasions. Including SPECIFICALLY a breakdown of fees including any collection costs and medical charges, a copy of my signature with the provider of service to release my medical information to ARS. Therefore, my request was twofoldvalidation of debt and HIPPA authorization. 

I never received anything showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Account Resolution Services never provided me with documents of alleged debt from the ORIGINAL creditor whom they claim to be as Inphynet Contracting Services. I uploaded the correspondences to and from ARS they did not honor my requests. I need ALL debts from Account Resolution Services DELETED from credit profile IMMEDIALELY. This debt has not been validated. 

On XX/XX/XXXX I noticed multiple derogatory accounts on my credit file. So I sent a letter via USPS on XX/XX/XXXX to Account Resolution Services asking that they allow me to validate the alleged debt. I specifically asked for a breakdown of fees including collections cost and medical charges and a copy of the medical release from the provider of service with my signature. Additionally I asked them to cease reporting to all credit bureaus until the debt was validated by me. 

My Request was not honored instead they sent a generic letter dated XX/XX/XXXX stating the they have verified with their client and confirmed the debt was valid. 

After receiving this I responded on XX/XX/XXXX via certified mail advising Account Resolution services that I did not ask for verification. I asked for VALIDATION which is actual proof of this alleged debt. I advised them that I have never heard of their client whom they've verified this information with. I asked them again to please send valid evidence that I had a contractual obligation to pay this alleged debt. I advised them that I am fully aware of my rights allowed under the FDCPA. I also advised them that withholding information from the medical provider is a direct violation and that I would seek damages accordingly. Additionally I demanded the deletion of all accounts they have on file if there was no evidence of this debt under my name. 

On XX/XX/XXXX Account Resolution Services received my letter sent certified mail which i have proof. They ignored my request once again and sent me the EXACT SAME letter as before however this time it was dated XX/XX/XXXX. This company is clearly not compliant and have reported this invalid debt to the credit bureaus even after they received my requests. I have notified the XXXX and notified all 3 credit bureaus of this company 's action. 

I will attach every correspondence sent to and from Account Resolution Services.

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