Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I sent a two fold letter to the company on XX/XX/2024 requesting both validation of the debt and HIPAA authorization giving the provider consent to share my information with this company. I never received a response. I sent a follow up letter on XX/XX/2024, demanding what was previously requested and again, this went ignored. The company continues to report this alleged debt on my credit report while ignoring letters, that I as a consumer, have the right to request and receive. The company has also has been sharing non-public information with the credit bureaus and this violates my privacy rights under 15 USC 1681 section 602 and 15 USC 1681 Section 604 A Section 2, which mandates written consent for such actions. So, again... *****I am requesting that the HIPAA covered entity or its business associate provide debt validation for an account in question. Please provide that validation in the form of agreement, and original bill, and a detailed statement of procedures is required, if any. 
XXXX. Please provide a breakdown of fees, including any collection costs and medical charges, if any. 
XXXX. Please provide a copy of my signature with the provider of service to release my medical information to you. 
XXXX. Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer, if any XXXX. Cease any credit bureau reporting until the debt has been validated by me. 
XXXX. Please provide me with a verified certificate of authority, and proof that your company is licensed to collect debt in my state. Kindly provide me with a license number and registered agent or agent of service. 
XXXX. Finally, please provide an affidavit signed under penalty of perjury that your organization has not violated any portion of the FCRA FDCPA or HIPAA. ***** I am also requesting : ***1.Evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity. XXXX. Please provide the signed documentation, from me, giving you permission to release my non-public information. *** I am carefully documenting these correspondences in the event that I will need to seek redress in civil action for the financial and emotional distress this has incurred, if you continue to report with no regards to the law.

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