Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX XXXX ( XXXX ) XXXX XX/XX/year> Harris & Harris , Ltd . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX Subject : Formal Dispute and Request for Validation Accounts XXXX and XXXX ( Workers ' Compensation Medical Expenses ) Dear Sirs : I hereby formally challenge and dispute the balances you are attempting to collect under numbers XXXX and XXXX. They do not constitute a personal obligation of mine, as they arise exclusively from medical care related to injuries. These injuries were sustained at work at XXXX and, by law, must be billed and paid by the employer/workers ' compensation insurer, not the worker. 

Key Facts ( Summary ) : I filed workers ' compensation claims for : XX/XX/year> ( meniscus injury ) and XX/XX/year> ( injury and harassment ), under files XXXX and XXXX. On XX/XX/year>, I received a denial notice, which I contested with clinical documentation ( MRI of left knee with meniscal tear ; MRI of lumbar spine with protrusion and stenosis ; diagnoses of lumbar radiculopathy and functional limitations ). 

I reported from the beginning that it was a work-related injury ; however, XXXX applied XXXX personal insurance and today their accounts are in collection due to their signature, which is improper. The entire clinical chronology, diagnoses, and XXXX actions are documented in my attached professional report. 

Demands and Rights Cease and Desist : Pursuant to the FDCPA ( 15 U.S.C. 1692g ), this communication constitutes a dispute ; therefore, please immediately cease all collection efforts ( calls, letters, messages ) until written validation is provided. 

Complete documentary validation for each account : Identity of the original creditor and basis for the balance ; Itemized details ( dates of service, codes, charges, interest/fees ) ; Proof of ownership/assignment and authorization to collect in IL ; Copy of EOBs/decisions explaining why the claim was not treated as Workers ' Comp ; Communication records and legal basis justifying billing the patient despite my notification of a work-related injury. 

Credit Report : If you reported or are reporting these accounts to any credit bureau, you must mark them as " disputed '' and notify me in writing of the correction ( FCRA XXXX XXXX. XXXX ). 

Billing Redirection : Please refer these accounts to the employer, XXXX, and their TPA/Workers ' Compensation insurer ( e.g., XXXX ) for processing. Under Illinois XXXX ' compensation law, the employee is not responsible for reasonable and necessary medical expenses for a compensable injury ; the provider must bill the employer/designee and refrain from holding the worker responsible while the case is pending/contested before the XXXX. 

XXXX XXXX : Starting today, please communicate any information only in writing to my address or email address. I do not authorize phone calls during the dispute. 

This letter is not a refusal to pay ; it is an affirmation that there is no personal obligation for work-related injury expenses. If the collection or reporting continues without complying with these obligations, I will file complaints with the appropriate authorities ( CFPB, Illinois Attorney General, XXXX ) and assert my rights before the XXXX under file numbers XXXX and XXXX, as mentioned above. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation