Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: TX

Complaint narrative:
Subject : Dispute of Medical Debt Collection From Capio Partners , LLC Dear Consumer Financial Protection Bureau, I am writing to file a formal dispute regarding a medical debt collection placed on my consumer report by Capio Partners , LLC, located at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. The alleged debt pertains to a visit in XXXX that totaled out to be {$980.00} I dispute the validity of this debt and demand its immediate removal from my consumer report for the following reasons, which I believe constitute clear violations of my consumer rights under federal law : Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : Capio Partners has placed a collection on my consumer report despite failing to provide me with the validation information required by 12 CFR 1006.34 ( b ) ( 5 ). This regulation clearly mandates that a debt collector must provide specific validation information, including the original creditor 's name and the itemized amount of the debt, before placing an account on a consumer report. To date, I have not received this critical information.

Denial of Opportunity to Dispute Account ( 12 CFR 1006.34 ( c ) ( 4 ) ) : I have not been given a fair and proper opportunity to dispute this account, as required by 12 CFR 1006.34 ( c ) ( 4 ). This regulation outlines the consumer 's right to dispute the debt and the debt collector 's obligation to cease collection efforts until verification is provided. Capio Partners ' actions of reporting this debt without providing me the opportunity to dispute it, and without first validating the debt, are in direct violation of this provision.

Use of False, Misleading, and Deceptive Means ( Fair Debt Collection Practices Act ) : I believe Capio Partners is violating my consumer rights by using false, misleading, and deceptive means in their collection practices. Placing a collection on my consumer report without proper validation and without allowing me the opportunity to dispute the debt, as required by law, constitutes deceptive conduct. Such practices are in violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from using unfair or unconscionable means to collect or attempt to collect any debt. 
Lack of Authority to Furnish Information to Consumer Reporting Agencies ( 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ) ) : Capio Partners has no legal authority to furnish information regarding this account to consumer reporting agencies without providing all disclosures required by law. Their actions are in clear violation of 12 CFR 1006.34 ( d ), which governs the requirements for furnishing account information, and 15 U.S.C. 1681s-2 ( 7 ) ( A ), which addresses the responsibilities of furnishers of information to consumer reporting agencies. The absence of proper validation and dispute opportunities before reporting this debt demonstrates a failure to comply with these critical regulations.

Due to these severe and repeated violations of federal consumer protection laws, I demand that Capio Partners immediately remove this alleged debt from my consumer report. I also revoke all the rights of them communicating me ( email, mail, phone call etc ). 
I look forward to your prompt attention to this serious matter and a swift resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief