Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MiraMed Revenue Group LLC
State: OR

Complaint narrative:
* I have redacted the supporting documents to protect my HIPPA rights. Note : the document that they had sent me was not redacted * MiraMed Revenue Group is attempting to collect on a medical debt that : Shows a {$0.00} balance on the billing statement they sent me as " validation. '' Was pursued without providing a Good Faith Estimate before treatment, as required by Oregon law ( ORS 646A.093 ) and the federal No Surprises Act ( 45 CFR 149.610 ).

Involved an unauthorized disclosure of my protected health information ( PHI ) in violation of HIPAA and ORS 192.553-192.581.

Lacks a complete, signed, dated chain of title and proof of assignment, which are necessary to demonstrate MiraMeds legal right to collect. 

Despite my written dispute and request for validation sent on XX/XX/2025, MiraMed continues attempting to collect, in clear violation of FDCPA 1692g ( b ) and ORS 646A.677.

Detailed Timeline of Events : No Good Faith Estimate was provided, which is required by state and federal law before any non-emergency services. 

XX/XX/2025 I sent MiraMed a certified letter disputing the debt and demanding validation.CFPB Compaint Filed XXXX ( Requesting Documents ) XX/XX/2025 MiraMed responded with : A billing statement showing {$0.00} balance.

A medical consent form revealing detailed PHI, including procedure names and treatment details, which were unnecessary for validation and disclosed without my HIPAA authorization. 

No proof of assignment, chain of title, or legal authority to collect. 

XX/XX/2025 Present MiraMed continues collection efforts without proper validation.

Violations Identified : 1. FDCPA Violations Failure to Validate Debt ( 1692g ( b ) ) MiraMed has not provided the legally required documents to validate this debt. Under federal law and Oregon statutes ( ORS 646A.677 ), they must produce : a. Complete Chain of Title : A signed, dated transfer agreement documenting every step from the original provider to MiraMed. 

If there were intermediary companies or debt buyers, each transfer must be included, forming a continuous unbroken chain. 

Each document must clearly identify : The seller and buyer. 

The account number or unique identifier linking the transfer to my alleged account. 

The date of transfer and effective date. 

MiraMed has failed to provide even a single signed transfer document. Without this, they can not prove they own the debt or have the right to collect it.

b. Original Agreement : A copy of the signed agreement between me and the original provider, establishing my financial liability for the services.

The consent form they sent only authorizes treatment not financial liability or collection transfer. 

c. Itemized Billing : A complete itemized statement showing exactly how the alleged balance was calculated, including : All original charges. 

Insurance payments or adjustments. 

Write-offs and credits. 

d. Proof of Licensing and Bonding in Oregon : MiraMed must be licensed and bonded to collect debts in Oregon per ORS 697.015 & 697.031.

No proof of licensing has been provided.

Because MiraMed has failed to provide these, they lack legal standing to collect or sue for this debt.

2. FDCPA Violations False Representation ( 1692e ( 2 ) ( A ) ) The billing statement MiraMed provided shows a {$0.00} balance, proving there is no active debt to collect.

Continuing to pursue this debt is a direct false representation of the legal status of the account.

3. HIPAA & Oregon PHI Violations MiraMed unlawfully disclosed Protected Health Information ( PHI ) by including detailed medical procedure names and treatment information in their validation response.

Under 45 CFR 164.502 ( b ), only the minimum necessary information may be shared for collections : patient name, dates of service, total amount due, and account number.

Diagnosis and procedure details require a signed HIPAA authorization, which does not exist.

This is a direct HIPAA violation and also violates ORS 192.553 - 192.581. 

XXXX. Good Faith Estimate Failure The original provider failed to provide a Good Faith Estimate ( GFE ) before services as required by : ORS 646A.093 Oregons state law.

45 CFR 149.610 Federal No Surprises Act.

Without a GFE, the provider can not legally enforce billing or transfer the debt to collections.

Why This Debt is Invalid : MiraMed has no direct contract with me.

They have no proof of assignment or ownership, making this collection effort unlawful.

The statement they provided shows no balance owed, proving the account was charged off or resolved.

Even if a debt once existed, the failure to provide a Good Faith Estimate renders it unenforceable under Oregon law.

Relief Requested : I respectfully request that the CFPB : Investigate MiraMed Revenue Group for unlawful debt collection and HIPAA breaches. 

Require MiraMed to : Cease all collection activity immediately.

Secure and segregate all improperly disclosed PHI pending regulatory review.

Provide the full chain of title and legal proof of assignment.

Require the original provider to produce evidence of a Good Faith Estimate or face penalties.

Ensure this alleged debt is permanently discharged and removed from any credit reporting systems.

Supporting Documents : ( Attached to this Complaint ) Final Notes : MiraMed is attempting to collect on a debt they can not prove they own, while mishandling private medical information and violating multiple state and federal laws.

These practices demonstrate a pattern of abuse affecting consumers with medical debt and warrant immediate regulatory action.

Company response to consumer: Closed with explanation