Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC
State: FL

Complaint narrative:
Dear [ Name or To Whom It May Concern ], I am writing to formally dispute the validity and legality of the alleged medical debt reported or collected under my name. I believe this debt is being collected and/or reported in violation of multiple federal laws, including the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), and the Health Insurance Portability and Accountability Act ( HIPAA ), 42 U.S.C. 1320d et seq.

1. Violation of HIPAA Unauthorized Disclosure of Protected Health Information Medical debts inherently involve protected health information ( PHI ). Under HIPAA, 45 C.F.R. 164.502 ( a ), a covered entity ( such as a hospital or provider ) may not disclose any PHI to a third party ( such as a debt collector ) without a valid patient authorization.

If any part of my medical information was shared with your agency, or any credit reporting bureau, without my express written authorization, this constitutes a direct violation of HIPAA and the Privacy Rule.

Disclosing diagnosis codes, procedures, provider names, or dates of service to collect a debt exposes sensitive medical details and is not permitted under HIPAA unless a valid authorization exists.

2. FDCPA Violations Unfair and Deceptive Practices Under 15 U.S.C. 1692e and 1692f, debt collectors are prohibited from using any false, deceptive, or unfair means to collect any debt. 
If the debt stems from a medical service and the provider has not produced documentation proving : That I authorized the release of my medical information, and That the debt is valid, accurate, and legally collectible, then your collection attempts are both deceptive and unlawful. 
Additionally, under 15 U.S.C. 1692g ( b ), upon written dispute, a collector must cease all collection activity until the debts validation is provided in writing.

3. FCRA Violations Inaccurate or Unauthorized Reporting If this alleged medical debt has been reported to any credit bureau without proper verification, it violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which requires furnishers of information to report only accurate and verified information.

Reporting medical debt without proof of my consent or validation of accuracy constitutes defamation of character and willful noncompliance under the FCRA.

4. Federal Policy Against Medical Debt Reporting The Consumer Financial Protection Bureau ( CFPB ) and major credit bureaus ( XXXX XXXX XXXX  ) have updated policies that remove or restrict medical debt reporting, particularly debts under {$500.00} or those in dispute. Continuing to collect or report such debts violates these consumer protection standards. 
Requested Actions Provide full validation of the alleged medical debt, including original billing statements and my signed authorization allowing release of medical information to any third party. 
Immediately cease all collection activity until validation is completed in compliance with 15 U.S.C. 1692g ( b ).

Delete any medical debt entries from all consumer credit reports, as unvalidated medical information can not be legally shared or reported under HIPAA and FCRA.

Provide written confirmation within 30 days that the debt has been removed and no further action will be taken.

Failure to comply will leave me no choice but to file formal complaints with the U.S. Department of Health and Human Services ( HHS ) Office for Civil Rights, the Consumer Financial Protection Bureau ( CFPB ), and my state Attorney General.

Company response to consumer: Closed with non-monetary relief