Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
I am writing to express my absolute outrage and to formally notify you of your grossly inadequate and disingenuous response to my complaint. Your reply is not only insufficient but demonstrates a deliberate attempt to obfuscate the serious legal violations you have committed. I demand an immediate cessation of your unlawful practices and a comprehensive, legally sound response that provides the explicit proof and specific validation you are legally obligated to provide. 

I. Detailed Exposition of HIPAA Violations Your assertion of a " Business Associate Agreement '' ( BAA ) is a blatant attempt to circumvent the fundamental protections afforded to me by the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ), as amended ( 42 U.S.C. 1320d et seq. ). Your actions constitute a gross, willful, and malicious violation of HIPAA, specifically the Privacy Rule ( 45 C.F.R. Part 164, Subpart E ).

A. Unlawful Disclosure of Protected Health Information ( PHI ) : 1. I explicitly stated in my initial complaint that RMP Services LLC is not a Covered Entity under HIPAA, nor have I ever authorized any entity to disclose my PHI to you. You are not my healthcare provider, health plan, or healthcare clearinghouse. [ cite : 13, 17, 18, 19 ] 2. My PHI, as defined under 45 C.F.R. 160.103, was disclosed to you without my authorization. This is irrefutable, and your possession of this information is unlawful. [ cite : 10, 11, 12, 13, 14, 15, 16, 20, 21, 22, 23 ] 3. Your collection letter, dated XX/XX/XXXX, demanding payment for a purported medical debt ( account number XXXX ), explicitly reveals that you possess my PHI, including the fact that the debt stems from medical treatment I received between approximately XX/XX/XXXX, and the date of your letter. This letter serves as concrete evidence of your unlawful possession and disclosure of my PHI. [ cite : 8, 9, 10, 11, 12, 22, 23 ] 4. The unauthorized disclosure of my PHI includes the existence of a medical debt, the identity of the healthcare provider, and the amount owed, all of which are protected under HIPAA. [ cite : 22, 23 ] 5. You have failed to provide any evidence of a legally valid BAA that would permit any entity to disclose my PHI to you, as required by 45 C.F.R. 164.504 ( e ). Your vague assertion of a BAA is insufficient and legally unacceptable. [ cite : 13, 14, 15, 16, 17, 18, 19, 20, 59 ] B. Violation of the " Minimum Necessary '' Standard : 1. Even if, * arguendo *, a BAA existed ( which I vehemently deny ), the disclosure of the specifics of my medical debt to a debt collector, whose sole purpose is financial gain, far exceeds the " minimum necessary '' standard mandated by 45 C.F.R. 164.502 ( b ) and 164.514 ( d ). [ cite : 25, 26, 27 ] 2. The fact that a debt exists does not necessitate the disclosure of the underlying medical services or diagnoses. Your possession of this level of detail is a smoking gun, proving your willful and malicious disregard for my privacy rights. [ cite : 25, 26, 27 ] II. Detailed Exposition of FDCPA Violations Your unlawful acquisition of my PHI taints your entire debt collection process, rendering it a series of violations of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ).

A. 1692e ( False or Misleading Representations ) : 1. You are attempting to collect a debt that you have no legal right to possess or collect. [ cite : 32, 33, 34, 35 ] 2. Your claim to this debt is based entirely on illegally obtained PHI. [ cite : 32, 33, 34, 35 ] 3. This constitutes a blatant and deliberate misrepresentation of the character, amount, or legal status of the debt, a violation explicitly prohibited under 15 U.S.C. 1692e. [ cite : 32, 33, 34, 35 ] B. 1692f ( Unfair or Unconscionable Means ) : 1. The very act of attempting to collect a debt derived from illegally obtained private medical information is inherently unfair, unconscionable, and deeply offensive. [ cite : 36, 37, 38, 39 ] 2. It represents a gross abuse of the debt collection process and violates the fundamental principles of fair debt collection as outlined in 15 U.S.C. 1692f. [ cite : 36, 37, 38, 39 ] C. 1692g ( Validation of Debts ) : 1. I have received no lawful initial communication from RMP Services LLC that complies with the stringent requirements of 1692g. [ cite : 40, 41, 42, 43, 44 ] 2. Given the profound concerns about the legality of your possession of this information, I hereby formally and unequivocally dispute the validity of this alleged debt. [ cite : 40, 41, 42, 43, 44 ] 3. I demanded, with the full force of the law, that RMP Services LLC provide incontrovertible proof of your legal right to collect this debt, including explicit proof of my consent for the disclosure of my PHI. This is not a request ; it is a legal demand for information to which I am entitled under federal law, as clearly stated in 15 U.S.C. 1692g. Your response has failed to provide this validation. [ cite : 40, 41, 42, 43, 44 ] D. 1692c ( c ) ( Cease Communication ) : 1. Pursuant to my absolute rights under the FDCPA, specifically 15 U.S.C. 1692c ( c ), I formally and irrevocably demanded that RMP Services LLC cease all communication with me except through postal mail at the address listed in my initial complaint. [ cite : 44, 45, 46, 47 ] 2. I explicitly prohibited any and all contact via telephone, electronic mail, text message, or any other form of electronic communication. [ cite : 44, 45, 46, 47 ] III. Demand for Immediate and Lawful Action I reiterate my demand that you provide the following immediately, with legally sound and irrefutable evidence : Explicit, documented proof of my consent for the release of my PHI to RMP Services LLC. This must be the actual consent form or other legal documentation, not a vague reference to a BAA. 
Specific documentation establishing your legal right to collect the debt. This must include a clear, legal, and HIPAA-compliant chain of custody for the debt.

Detailed validation of the debt that adheres strictly to the requirements of 15 U.S.C. 1692g. This must include proof that the original creditor was legally permitted to disclose my PHI to you.

Your continued failure to provide this legally mandated information will leave me no choice but to pursue all available legal remedies to the fullest extent of the law, including seeking damages, injunctive relief, and any other remedies available under federal and state law, including recovery of costs and attorney 's fees ( 15 U.S.C. 1692k, 42 U.S.C. 1320d-6 ).

I expect a comprehensive and legally compliant response to this notice within ten ( 10 ) business days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation