Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: GA

Complaint narrative:
Americollect I believe that you fraudulently obtained this account and have falsely reported this on my credit report. In the attachment you will see that you have listed two accounts on my report none of which I believe I am responsible for nor legally obligated to pay you. 

The reports show an account opened on XX/XX/year> and another opened on XX/XX/year> from your company for the amount of {$1600.00}. Please explain why that is and correct the errors on my report that your company has made. The receipts that you sent back does not show signed documents I signed during this supposed visit only an alleged itemized document from company with no signature or agreement to pay your company Americollect. 

Under HIPAA regulations, I request verification that my protected health information ( PHI ) has not been improperly shared with third parties without my explicit authorization. If this information has been disclosed, please provide documented proof of my consent. It looks like youre referring to a section of the Fair Debt Collection Practices Act ( FDCPA ), but Section 609 ( a ) ( 1 ) ( A ) actually falls under the Fair Credit Reporting Act ( FCRA ), not the FDCPA. 

FCRA Section 609 ( a ) ( 1 ) ( A ) Overview : Under 15 U.S.C. 1681g, which corresponds to FCRA Section 609, consumers have the right to request all information in their credit file from a credit reporting agency ( CRA ). Specifically, 609 ( a ) ( 1 ) ( A ) gives consumers the right to obtain : A full disclosure of what information is in their credit report The sources of that information The names of parties that have requested their credit report I would like an original document containing my signature granting Americollect access to my Medical information. I would like the proof of the method of verification Americollect to obtain my information. I would like the purchase agreement used to purchase this debt. I request the original creditors billing statements and proof of proper authorization for this debt to be reported. 

If that information was illegally obtained, I request that all of my information be deleted and a correction be made to my credit report. Otherwise, failure to provide appropriate documentation constitutes a violation of federal consumer protection laws. 

Please respond within 30 days of receipt of this letter, as required by law. I expect this matter to be resolved promptly and will escalate to the Consumer Financial Protection Bureau ( CFPB ) or take legal action if necessary. 

Thank you for your time and attention to this matter. I look forward to your prompt response. 

In addition to that you have never sent over the information I requested in my initial request sent XX/XX/XXXX : YOUR COMPLAINT Americollect I am writing to file a complaint regarding the validation of a debt on my consumer credit report. I've received several calls which I've requested several times to be removed from the call list. This company calls and requests information about me without even validating who they are or what they are calling about. Despite multiple attempts to seek proof of validation, your company has failed to provide any evidence regarding a debt that does not belong to me. Furthermore, you have furnished this alleged debt on my consumer report and failed to validate the claim pursuant to Sec. 809 ( b ) of the Fair Debt Collection Practices Act. As a consumer, I have a right to privacy and protection from inaccurate reporting on my credit report. Your company 's actions have not only violated my right to privacy but also the permissible purpose of providing accurate information to consumer reporting agencies. According to 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demand that these items be removed from my credit report immediately as it is furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, reputation, general mode of living, and my ability to obtain credit for personal and house purposes. Your inaccurate reporting has also damaged my livelihood. According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, furnishers have a duty to provide accurate information. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I respectfully request that your offices provide me with your purchase agreement for this debt and any competent evidence that I have any legal obligation to pay you.

Company response to consumer: Closed with explanation