Consumer complaint received 2026-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
TO : Synerprise Consulting SE Compliance / Executive Resolution Department XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX Email : XXXX XXXX ________________________________________ RE : THIRD DISPUTE FAILURE OF VERIFICATION Regulatory Compliance Review & Investigation Framework Notice ________________________________________ Account Information Account Name : SYNERPRISE CONSULTING SE Account Number : XXXX Reported Balance : {$840.00} Original Creditor : XXXX XXXX XXXX XXXX I. Purpose of Correspondence This correspondence constitutes : Formal dispute of accuracy Method of Verification demand Medical privacy compliance review Investigation adequacy notice Regulatory escalation preservation The dispute applies to the tradeline in its entirety. No documentary verification establishing lawful reporting has been produced. ________________________________________ XXXX. Scope of Dispute Disputed elements include : ownership of debt balance calculation authority to collect furnishing authorization date of first delinquency completeness and accuracy of reporting ________________________________________ XXXX. Applicable Federal Law Under the Fair Credit Reporting Act : 15 U.S.C. 1681s-2 ( b ) reasonable investigation required 15 U.S.C. 1681e ( b ) maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 5 ) deletion of unverifiable information 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification disclosure 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibition against reporting inaccurate information 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) reinsertion protection 15 U.S.C. 1681n & 1681o liability for noncompliance Information that can not be verified through original creditor documentation must be deleted. ________________________________________ CFPB Consumer Protection Authority Under 12 U.S.C. 5531, furnishing disputed medical debt without a reasonable investigation may constitute an unfair, deceptive, or abusive act or practice. ________________________________________ Medical Privacy Requirements Because this account arises from medical treatment, disclosure implicates : Health Insurance Portability and Accountability Act ( HIPAA ) Gramm-Leach-Bliley Act ________________________________________ Federal Contractor Accountability Recordkeeping and furnishing practices implicate federal accountability principles reflected in 31 U.S.C. 3729 requiring accurate administration of federally regulated information. ________________________________________ XXXXV. Method of Verification Demand Please provide written disclosure of : specific account-level records reviewed ; assignment or transfer agreement from XXXX XXXX XXXX XXXX XXXX of authority to collect ; confirmation verification relied upon original creditor documentation ; identity and title of investigator ; confirmation automated verification systems were not solely relied upon. Database confirmation does not constitute verification. ________________________________________ V. Complete Documentation Request Provide copies of : itemized medical billing statement ; patient responsibility determination ; insurance adjudication documentation ; assignment or purchase agreement; full payment ledger ; Date of First Delinquency documentation ; authorization permitting furnishing to consumer reporting agencies. ________________________________________ VI. Consumer Privacy & Data Handling Review Please confirm : disputed information has been restricted during investigation ; accuracy safeguards were applied prior to reporting ; protected medical information has not been disclosed without lawful authorization. ________________________________________ VII. Written Communication Requirement All communications must occur in writing only. Authorized Email : XXXX XXXX communication is not authorized. ________________________________________ VIII. Investigation Timeline & Verification Framework Notice Following receipt of this dispute : Investigation must rely on original source documentation. Automated or circular verification processes are insufficient. Continued reporting without documentary verification may indicate investigation inadequacy. Independent Method-of-Verification disclosures will also be requested from consumer reporting agencies pursuant to FCRA 1681i ( a ) ( 7 ). ________________________________________ IX. Regulatory Review & Escalation Framework If adequate documentary verification can not be produced, this matter may proceed through appropriate regulatory review channels responsible for : consumer credit reporting supervision, investigation adequacy oversight, medical billing compliance review, consumer privacy protection enforcement. This notice is provided solely to encourage resolution through verified correction or deletion. ________________________________________ X. Corrective Action Requested Please confirm one of the following : documented reinvestigation supported by original records ; temporary suppression pending verification ; correction of reporting inaccuracies ; or permanent deletion if verification can not be established. ________________________________________ XI. Administrative Record Preservation Please preserve : servicing records investigation notes internal communications verification logs electronic audit trails ________________________________________ XII. Reinsertion Protection If corrected, suppressed, or deleted, reinsertion must comply with 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). ________________________________________ XIII. Final Regulatory Clarification This dispute concerns compliance with federal accuracy, investigation, and consumer privacy obligations. I remain willing to cooperate fully toward resolution supported by verified documentation and accurate reporting. ________________________________________ Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation