Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Io, Inc.
State: VA

Complaint narrative:
XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RECEIVABLES MANAGEMENT SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference : Account No. XXXX Debt Dispute, Notice of No Contract, Cease and Desists Dear Ms. Lively, Receivables Management Systems I, XXXX XXXX, Principal are one XXXX XXXX, PRINCIPAL, hereby state for the record that I have never entered into any contractual agreement with RECEIVABLES MANAGEMENT SYSTEM ( RMS ). I do not acknowledge any alleged debt claimed by your agency and have no legal or financial obligation to your organization. I also noticed the inaccuracy in my name and the alleged information from your company. Pursuant to 15 U.S.C. 1692 ( e ) False and Misleading Representation a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : It is false to send a letter with inaccurate information which is false deceptive or misleading inside of the letter sent to the wrong person on XX/XX/year> with account number ( XXXX ) Furthermore, I dispute the validity of this alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I request that you provide full validation of this debt, including but not limited to : The original creditors name and address, A complete accounting of the alleged amount, A copy of the original contract or agreement bearing my signature, showing proof that I agreed to pay the alleged debt.

Proof that Receivable Management Systems has the legal right to collect on this alleged.

Documentation showing the chain of ownership if this debt has been sold or transferred.

6. A certified copy of the contract between PATIENT FIRST and RECEIVABLES MANAGEMENT SYSTEMS demonstrating the purchase of the alleged debt including any and all costs related thereto.

7. Proof that the alleged debt has not already been satisfied by any means available including but not limited to, a Tax write-off, an Insurance Claim or selling the purported debt from the original debt Collector.

8. The completed DEBT COLLECTOR DISCLOSURE STATEMENT previously sent to you which has been ignored, which by not completing, prohibits you from further collection or contacting me.

You have now been subject to {$1000.00} violation, and per RICO statutes, tenfold that amount which is {$10000.00}.

If you are unable to provide this information within the timeframe allowed by law in 30 days, I request that this account be closed, and deleted from my credit report immediately as it is unverifiable and in dispute. Additionally, reporting inaccurate or unverified information violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ).

Please consider this letter as my formal dispute, and I request that all correspondence be conducted in writing. If this account can not be verified with proper documentation, I expect a written confirmation of its cancellation and removal from my credit file.

Unless you provide the information listed above within ten ( 30 ) days after receiving this letter, this debt will be deemed invalid and further collection attempts will be considered a criminal activity attempting to extort money. A criminal complaint may be filed against RECEIVABLES MANAGEMENT SYSTEMS with various legal entities including, but not limited to, the Federal Bureau of Investigation ( FBI ) and the Internal Revenue Service Criminal Investigation Division ( IRS CID ) to investigate the possibility of criminal activity including, but not limited to, violations of the FAIR DEBT COLLECTIONS ACT.

Until such documentation is provided, you must cease all collection activity, including reporting this debt to any credit bureaus. 
Any failure to comply with this request will be considered a violation of the FDCPA. 

Sincerely, XXXX XXXX, Principal are one XXXX XXXX, PRINCIPAL ALL RIGHTS RESERVED UCC-1-308

Company response to consumer: Closed with explanation