Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Medical Data Systems, Inc.
State: NJ

Complaint narrative:
FORMAL DISPUTE, CEASE-AND-DESIST & PRIVACY-VIOLATION NOTICE To : Medical Data Systems, Inc. ( d/b/a XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX Date : XX/XX/XXXX Re : Immediate Dispute of All Alleged Medical Debts & Cease-and-Desist Demand Account Numbers Referenced in Emails Sent to Me : XXXX * | XXXX * ( EIDs shown in the emails : XXXX ) Statement Dates on Emails : XX/XX/XXXX Alleged Amounts : {$3400.00} {$7000.00} XXXX. I Dispute All Alleged Debts in Full I dispute any and all medical debts XXXX, XXXX XXXX XXXX XXXX, or any affiliate is attempting to collect. 
Your emails claim I received services on XX/XX/XXXX and XX/XX/XXXX, but : I am a XXXX recipient under XXXX XXXX. 
XXXX XXXX XXXX XXXX has my coverage and provider information on file. 
Under NJAC 10:49-7.3 and federal XXXX law, a XXXX provider is prohibited from billing the patient directly for covered services. 
Any attempt to collect from me is unlawful and void, and the correct party to bill is XXXX, not me. 
Therefore, no balance can legally be owed by me, and all collection attempts are improper. 

2. You Are Furnishing Conflicting and Inaccurate Information The emailed statements show : XXXX different accounts XXXX different dates of service XXXX different balances XXXX payments, XXXX fees, and XXXX changes Yet these are being furnished to XXXX XXXX and XXXX in ways that do not match the statements and materially misrepresent the alleged debts. 
You are violating : FCRA 15 U.S.C. 1681s-2 ( a ) duty to furnish accurate information FDCPA 15 U.S.C. 1692e false or misleading representations 3. You Are Illegally Disclosing My Medical Information You are sending emails containing : My full name My mailing address My alleged medical debts Dates of medical services Account numbers This violates : Gramm-Leach-Bliley Act ( GLBA ) Improper electronic disclosure of non-public personal information.

HIPAA Privacy Rule Disclosure of protected health information via unsecured email without authorization.

New Jersey medical privacy + consumer protection laws Your emails also contain tracking links, embedded collection-portal URLs, and unsecured transmission of medical account data, which further increases your liability.

4. Cease and Desist Effective Immediately Under FDCPA 15 U.S.C. 1692c ( c ), you are hereby ordered to : STOP all phone calls STOP all emails STOP any attempts to collect STOP furnishing to any credit bureau STOP sharing or transmitting my medical or personal data Any further contact outside legally required notices will constitute additional FDCPA violations.

5. Demand for Deletion from Credit Reports Because the alleged debts : Are being collected illegally due to Medicaid protections Are disputed Are inaccurately reported Involve privacy violations You must immediately delete all related tradelines from : Experian Equifax TransUnion FCRA 1681s-2 ( b ) obligates you to conduct a reasonable investigation after receiving this dispute.

Furnishers can not continue reporting invalid data.

6. Demand for Documentation You must provide : Proof that Saint Michaels is allowed under NJ Medicaid law to bill me instead of Medicaid.

Proof of any authorization allowing you to disclose my medical information via email.

Complete itemized billing submitted to Medicaid.

Proof of claim and legally valid basis for collection.

If you can not provide all of the above, the matter must be closed permanently.

7. Notice of Regulatory Complaints Copies of this letter, including the screenshots of your emails showing unsecured disclosure of medical data and contradictory billing, are being filed with : Consumer Financial Protection Bureau ( CFPB ) New Jersey Attorney General XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Federal Trade Commission ( XXXX privacy violations XXXX XXXX for XXXX XXXX XXXX XXXX ( XXXX ) XXXX. Required Response Timeline You must respond within XXXX  days confirming : The accounts are closed All collection activity is terminated All credit bureau reporting has been deleted No further contact will be made You acknowledge receipt of my dispute regarding XXXX prohibition on balance billing Failure to comply will result in further legal and regulatory escalation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation