Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Via Certified Mail From : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To : Medical Data Systems I Re : * * Second Request for Debt Validation and Proof of Assignment * * Account : XXXX XXXX XXXX XXXX {$2600.00} Alleged Medical Balance * * -- - Dear Medical Data Systems I, This letter serves as my * * second and final demand * * for validation of the alleged medical debt referenced above under the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) * *.

I previously disputed this account, yet you have failed to produce competent proof of ownership or liability. I have * * no contract with Medical Data Systems * *, and therefore you must demonstrate legal standing to collect or furnish data related to this alleged account.

You are hereby required to provide : 1. A * * copy of any signed medical authorization or agreement * * containing my * * wet signature * * that forms the basis of this alleged balance ; 2. The * * complete chain of assignment or title * *, showing all transfers, sales, or assignments from the original healthcare provider to * * Medical Data Systems I * *, including dates and consideration ; 3. Proof that you are * * licensed and authorized to collect medical debts * * in the State of Georgia.

Failure to produce these documents within * * 30 days of receipt * * will confirm that this account is * * unverified, inaccurate, and unenforceable * *, and any continued collection or reporting will constitute * * willful noncompliance * * with federal law. 

-- - # # # * * Unauthorized Furnishing of Medical Information * * Under the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( a ) * *, and * * Health Insurance Portability and Accountability Act ( HIPAA ), 45 C.F.R. 164.502 * *, you have * * no permissible purpose * * to access, use, or furnish my private medical or consumer information without my * * written consent * *.

Continuing to report or disseminate information related to medical treatment, billing, or collections without proper authorization violates * * FCRA 1681s-2 ( a ) ( 1 ) ( A ) * * and * * HIPAA privacy rules * *.

Courts have repeatedly held that furnishing or obtaining consumer information without authorization or a valid relationship constitutes unlawful use : * * * XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) * * No permissible purpose exists where the consumer did not initiate the transaction giving rise to the debt. 
* * * XXXX v. XXXX XXXX Bank, XXXX XXXX XXXX ( XXXX Cir. XXXX ) * * Accessing or reporting a consumers credit file without authorization violates FCRA. 
* * * XXXX v. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) * * Debt collectors can not disseminate personal data without consent or legal necessity. 

Any continued reporting or use of medical data without consent will be treated as an * * unauthorized disclosure * * in violation of both * * FCRA * * and * * HIPAA * *, subjecting your agency to civil liability.

-- - * * Civil Liability for Failure to Validate or False Reporting * * Under * * 15 U.S.C. 1692k * * ( Civil Liability ), any debt collector who fails to comply with FDCPA provisions is liable for * * actual damages * *, * * statutory damages up to {$1000.00} per violation * *, and * * attorneys fees and costs * *.

Likewise, * * FCRA 1681n1681o * * authorize civil recovery for * * willful or negligent noncompliance * * with credit reporting and privacy duties. 

If you continue to report, collect, or share information that you can not substantiate with the required documentation, I will pursue * * legal action * * for damages arising from the publication of false medical or credit data, invasion of privacy, and emotional distress. See : * * * XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) * * Consumers may recover damages for negligent reinvestigation of disputed accounts. 
* * * XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) * * Furnishers of inaccurate data XXXX be held liable under FCRA. 
* * * XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) * * Willful failure to ensure accuracy of credit reporting supports civil damages. 

You are therefore on notice that * * failure to validate * * or * * continued reporting of inaccurate information * * after receipt of this letter will be treated as * * intentional misconduct * * and subject to full statutory and equitable remedies. 

-- - * * Cease Collection Notice * * Under * * 15 U.S.C. 1692g ( b ) * *, all collection activity must * * cease * * until proper validation is mailed.

You may communicate with me * * by mail only * * at the address listed above.

Failure to comply will result in immediate complaints to the * * Consumer Financial Protection Bureau * *, * * Federal Trade Commission * *, and * * Georgia Attorney General * *, and a private right of action under * * 15 U.S.C. 1692e, 1692f, 1692g * *, and * * 15 U.S.C. 1681n * *. 

-- - Sincerely, * * /s/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : * * XXXX XXXX XXXX  Notice of Disputed Account under * * FCRA 623 ( a ) ( 3 ) * *

Company response to consumer: Closed with explanation