Consumer complaint received 2016-07-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NY

Complaint narrative:
I am writing this in response a letter that I receive from AMCA or American Medical Collection Agency for an allege debt for XXXX for {$380.00}. Account # XXXX pin # XXXX. I sent a letter to this company via usps certify mail tracking # XXXX which showed as delivered on XXXX/XXXX/16 requesting validation of this allege debt. Your company refuse to provide valid validation of this allege debt according to Federal, State, and local laws. They did not not provide me with validation, instead on XXXX/XXXX/16 I receive another letter stating I owe them These allege bill was never supposed to be billed to me because I always have insurance coverage. I worked in the XXXX for over 15 years for one of the XXXX, and I have a full healthcare benefit package at no cost to me from them, and I am still currently employed by this hospital. I always have medical and XXXX insurance coverage. There was never a point or time that I did not have any coverage, nor did I have laps in coverage at any time. Also I have Knowledge of the company improper and illegal billing practices. I have sent letters to AMCA via certify mail tracking informing this company that they need provide proper validation of this allege debt, and I still have not received any validation. I have previously requested validation of this allege debt from XXXX and they has fail to provide with any validation In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) Again this is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 
Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Explain and show me how you calculated what you say I owe What the money you say I owe is for ; Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your offices have reported invalidated information to any of the XXXX major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 
Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation