Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sa-Vit Enterprises, Inc.
State: NJ

Complaint narrative:
This complaint is a re-submission of a previously closed case, CFPB Complaint ID : XXXX. I am filing this new complaint to provide crucial supporting evidence that directly refutes the collection agency 's prior statements to the CFPB. My previous complaint was closed, and there was no option to attach exhibits when providing feedback. 

My core complaint is that SA-VIT Collection Agency reported a medical debt to my credit report on XX/XX/XXXX, without providing me proper, effective advance notification as required by the Fair Debt Collection Practices Act ( FDCPA ). SA-VIT previously claimed to the CFPB that they mailed a 30-day 'Validation ' notice pursuant to 15 U.S.C.1692g Section 809 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) on XX/XX/XXXX, and a follow-up letter on XX/XX/XXXX, neither of which were returned as undeliverable. I categorically dispute these claims and assert that I never received the purported mailed notices. I find it highly suspect that if they were in fact mailed, how did I miss not one, but two separate letters from the same sender. SA-VIT also claimed 'several attempts were made to contact the consumer by telephone, ' but they 'had not had any response. ' I categorically dispute these claims, especially regarding telephone contact. 

Attached as evidence proving SA-VIT 's non-compliance and false claims is Exhibit A, my comprehensive phone records for the period of XX/XX/XXXX through XX/XX/XXXX ( when they reported to my credit ). These records clearly show only ONE incoming call from SA-VIT Collection Agency ( from their phone number XXXX ) on XX/XX/XXXX, found highlighted on page 17 of Exhibit A. I encourage the CFPB to review the entirety of Exhibit A to confirm the complete absence of any other incoming calls from SA-VIT Collection Agency during this critical period. Also attached as Exhibit B is a screenshot of my voicemail history from XX/XX/XXXX to XX/XX/XXXX. This screenshot unequivocally proves that no voicemail message was left from the single call on XX/XX/XXXX. 

This irrefutable evidence directly contradicts SA-VIT 's claim of 'several attempts ' to contact me by telephone and demonstrates a complete failure to make effective contact by phone. Furthermore, the unlikelihood of me missing two separate mailed notices, combined with their demonstrably false phone contact, strongly indicates that I was not properly informed of this debt through reasonable and verifiable means prior to it appearing on my credit report. 

While I acknowledge the underlying debt is valid, SA-VIT 's ability to prove the debt itself does not excuse their obligation to comply with FDCPA notification requirements before furnishing negative information to credit bureaus. Their actions, including providing misleading information to the CFPB, constitute unfair and deceptive practices. 

I had sent certified dispute letters to XXXX  and XXXX  on XX/XX/XXXX, and requested validation from SA-VIT ( which they provided on XX/XX/XXXX ), but the debt was already reported. 

My credit score is extremely important to me, and I was actively working in good faith to address this debt. The sudden appearance of this collection account has damaged my credit standing due to SA-VIT 's non-compliant actions. 

Therefore, I respectfully request that the CFPB investigate SA-VIT Collection Agency 's practices thoroughly, considering the attached evidence, and compel them to permanently remove this collection account from my credit report due to their violations of the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation