Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc.
State: TX

Complaint narrative:
I do not accept the companys response. This is now the second attempt to obtain validation of this alleged debt, and State Collection Service continues to refuse to provide actual proof that the debt is valid, owed by me, properly calculated, or lawfully collectible by them. The companys response is evasive and incomplete. Rather than provide real validation, they continue to rely on conclusory statements, a summary notice, and an alleged email communication that they still have not proven was ever delivered, received, opened, or consented to. A copy of an email they claim to have sent is not proof that I received it. They have provided no email transmission logs, no delivery confirmation, no bounce report, no read/open confirmation, no metadata establishing successful delivery, and no documentation showing that I consented to receive debt collection notices at that email address. Their own attachment shows only a summary balance of {$77.00}, a prior balance of {$13000.00}, and credits/payments of - {$13000.00}. It does not include the underlying medical billing records, line-item charges, provider details, CPT/procedure codes , insurance payments, contractual adjustments, write-offs, explanation of benefits, or any calculation showing why the remaining amount is allegedly my responsibility. The XXXX notice they attached even states that an itemized statement of charges can be requested from XXXX billing department. That confirms the document attached by State Collection Service is not the complete itemized billing record. A balance summary is not validation. A referral notice is not validation. A generic collection notice is not proof of the alleged debt. This is particularly troubling because the company claims it never received a request for verification of debts, despite the fact that this CFPB complaint itself is a written dispute and validation request, and despite this being my second complaint on the same matter. Their refusal to meaningfully address the dispute appears to be an attempt to avoid their obligations under the Fair Debt Collection Practices Act. Under 15 U.S.C. 1692g, once a consumer disputes a debt in writing and requests verification, the collector must cease collection activity until verification is obtained and mailed to the consumer. The FDCPA requires more than unsupported statements that a balance exists. The collector must provide verification sufficient to show that the amount is owed and that the collector has authority to collect it. The companys conduct also raises concerns under 15 U.S.C. 1692e and 15 U.S.C. 1692f, which prohibit false, deceptive, misleading, unfair, and unconscionable debt collection practices. Continuing to assert that a debt is valid while refusing to provide underlying proof, relying on an alleged email they can not prove was received, and relying on a mailing address where I do not reside may constitute misleading or unfair collection conduct. State Collection Service also failed to address a critical licensing issue. The company states only that it is licensed to collect debt in California. I have made clear that I do not live in California. A California collection license does not establish authority to collect from me in my current state of residence. The company has not identified the state law under which it claims authority to collect from a non-California resident, has not provided licensing information for my current state of residence, and has not provided account-level documentation showing that these specific XXXX XXXX XXXX accounts were lawfully placed with it for collection. Their reliance on a XXXX, California address is also improper. I do not live in California. Sending alleged validation materials to an address where I do not reside does not establish receipt, does not cure their failure to validate, and does not justify continued collection activity. The company also appears to be using harassment tactics rather than validation. They do not have my phone number, and I have not authorized telephone communications. Their attachment directs consumers to call them and states, Please do not respond to this message, even though I have clearly requested written communication only. I do not consent to phone calls, text messages, or any other non-written communication. Any attempt to obtain or use my phone number for collection purposes, or to pressure me into phone communications, will be documented as further evidence of improper collection conduct. If the company has furnished, is furnishing, or intends to furnish information regarding these disputed accounts to any consumer reporting agency, it must comply with the Fair Credit Reporting Act, including the requirement under 15 U.S.C. 1681s-2 that disputed information not be reported without notice that the consumer disputes it. Any reporting of these accounts as undisputed, valid, or verified would be inaccurate and misleading. For the avoidance of doubt, I dispute these alleged debts in full. State Collection Service has not validated them. They have not proven receipt of any alleged validation notice. They have not provided the underlying medical billing records. They have not provided account-level authority to collect. They have not established that they are licensed or authorized to collect from me in my current state of residence. They have not shown that the alleged balance is accurate, lawful, or owed. The companys own CFPB response admits that both accounts were returned to XXXX XXXX XXXX as disputed account balances unresolved. That admission should be reflected in the CFPB record. These accounts are disputed, unresolved, and unvalidated. I request that State Collection Service provide written confirmation that it has ceased all collection activity, will not attempt to contact me by phone, will not report or continue reporting these accounts to any consumer reporting agency, will not sell, transfer, or reassign these accounts without preserving the dispute status, and will not take any further collection action unless and until it provides legally sufficient validation. All communications must be in writing only. All rights are reserved.

Company response to consumer: Closed with explanation