Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: R.M. Galicia, Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX Re : Complaint # XXXX, Account # XXXX Dear CFPB, I am responding to XXXX XXXX XXXX XXXX XXXX XXXX  response to my complaint ( # XXXX ), including their mailed letter dated XX/XX/XXXX, from attorney XXXX XXXX XXXX, enclosing letters XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX inaccurately reported a medical debt belonging to my XXXX  XXXX, XXXX XXXX XXXX, under my name ( XXXX XXXX ), failed to provide proper validation, and disclosed her protected health information without authorization, causing significant financial harm. I request escalation due to their violations of the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and Health Insurance Portability and Accountability Act ( HIPAA ).

1. XXXX XXXX Inaccurate Reporting of a XXXXXXXX XXXX XXXX XXXX  : XXXX letters identify the patient as XXXX XXXX XXXX, my XXXX, who is under XXXX XXXX XXXX, for a {$1400.00} medical debt ( Account # XXXX ) from XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ). I am not liable for this debt, as I did not sign any agreement assuming responsibility, yet XXXX  reported it under my name to credit bureaus from XX/XX/XXXX to XX/XX/XXXX. Reporting a XXXX  debt under a parents name without consent or legal obligation is inaccurate and violates FCRA 1681s-2 ( b ) for failure to investigate and correct after my disputes, and FDCPA 1692e/f for false or misleading representations.

2. * * Failure to Provide Complete Validation ( FDCPA 1692g ( b ) ) XXXX XXXX : My dispute letters ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX, uploaded ) demanded a wet ink signature, proof of debt ownership, permissible purpose under FCRA 1681b, and HIPAA-compliant authorization. XXXX  responses provided only an itemized statement and explanation of benefits ( EOB ), which are insufficient. They failed to include an original contract with my signature, proof of assignment from XXXX XXXX XXXX XXXX XXXX, permissible purpose, or XXXX authorization for my XXXX  XXXX  medical records. My XX/XX/XXXX, letter noted no correspondence after XX/XX/XXXX, contradicting their claim of sending XX/XX/XXXX and XX/XX/XXXX letters. Their failure to validate and continued reporting violate FDCPA 1692g ( b ).

3. XXXX XXXX Delayed Tradeline Deletion XXXX XXXX  : XXXX  did not request deletion until XX/XX/XXXX ( confirmation # XXXX ), XXXX XXXX  after my XX/XX/XXXX, dispute, allowing inaccurate reporting to harm my credit during my auto loan approval on XX/XX/XXXX. This delay violates FCRA 1681s-2 ( b ) for inadequate investigation.

4. XXXX XXXX  XXXX  Violation XXXX XXXX : XXXX provided no XXXX authorization for accessing or reporting my XXXX  XXXX  medical records under my name, as demanded on XX/XX/XXXX. Disclosing a XXXX  protected health information without parental consent violates 45 CFR 164.502, especially given I did not authorize such reporting. 

5. * * Financial Damages * * : XXXX inaccurate reporting of my XXXX  daughters debt caused : - A {$93000.00} auto loan with XXXX XXXX ( contracted XX/XX/XXXX ) at 16.99 % APR over 84 months, with a {$68000.00} finance charge and {$160000.00} total payments. At a prime rate of 6 %, the finance charge would be \~ {$25000.00}, resulting in \~ {$42000.00} in excess interest, of which \~ {$3000.00} has been paid as of XX/XX/XXXX. 
- Credit denials and reduced business credit lines, causing lost income ( denial letters uploaded ). 
- Total damages : {$59000.00}. 

6. * * Request for Escalation * * : XXXX responses are inadequate, failing to address the inaccurate reporting of my XXXX  daughters debt under my name, my validation requests, and the XXXX violation. Their delayed deletion and refusal to compensate exacerbated my damages. I request the CFPB escalate this matter to compel compliance and address my losses. Attached are my XXXX XXXX auto loan documents ( or a sworn statement ) detailing the 16.99 % APR and {$68000.00} finance charge, supporting my damages claim. 

Sincerely, XXXX XXXX Attachments : - XXXX XXXX XXXX loan contract sworn statement - XXXX  XX/XX/XXXX, letter and enclosures ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation