Consumer complaint received 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Stern Recovery Services, Inc.
State: NC

Complaint narrative:
{$570.00} STERNRECSVCS Account Details Account Number XXXX Greetings, This is a formal complaint against Stern Recovery Services for violating my HIPPA rights. I requested removed from all three credit reporting agencies which includes XXXX, XXXX  and XXXX. The actions of Stern Recovery Services In violate the FDCPA, FCCPA, FCRA, Libel/Defamation, and Invasion of Privacy of the FCRA. In addition, it is negligence and willful intentional infliction of emotional distress against the Complainant. The following documents submitted outline the unlawful conduct and actions of Stern Recovery Services in their question to damage my credit standing based on motivation and retaliatory tactics for filing a complaint against Stern Recovery Services Inc with the North Carolina Office of Financial Regulation. Please review the following attachments. Stern Recovery Services did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 
{$570.00} STERNRECSVCS Account Details Account Number XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX XXXX Monthly Payment {$0.00} Term Source Type Current Rating Collection/Charge-off Status Open Type Individual High Balance {$570.00} Unpaid Balance {$570.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Placed For Collection Collection Agency STERNRECSVCS XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX-XXXX XX/XX/XXXX {$570.00} XXXX XXXX Account Details Account Number XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor Monthly Payment {$0.00} Term Source Type Current Rating Collection/Charge-off Status Open Type Individual High Balance {$570.00} Unpaid Balance {$570.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating No Data Available Comments Medical Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Account Details Account Number XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX XXXX Monthly Payment {$0.00} Term Source Type Current Rating Collection/Charge-off Status Open Type Individual High Balance {$200.00} Unpaid Balance {$200.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Placed For Collection Collection Agency STERNRECSVCS XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX XX/XX/XXXX {$200.00} XXXX XXXX Account Details Account Number XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor Monthly Payment {$0.00} Term Source Type Current Rating Collection/Charge-off Status Open Type Individual High Balance {$200.00} Unpaid Balance {$200.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating No Data Available Comments Medical Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX-XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation