Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: AmeriCollect
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2025 To : Americollect , Inc . 

XXXX XXXX XXXX XXXX XXXX, WI XXXX RE : Dispute of Medical Debt and Immediate Deletion Request under Federal Law Account Number : XXXX To Whom It May Concern, I am formally disputing the validity, accuracy, and legality of the above-referenced medical collection account you are reporting on my credit report. I am invoking my rights under multiple federal consumer protection laws, and I am demanding the immediate deletion of this account from all credit reporting agencies. 





1. Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) Under the FDCPA, I have the right to request debt validation, and until such validation is provided, you must cease all collection activity, including credit reporting. You have failed to provide a complete itemized breakdown of charges, a copy of the original billing statement, and proof of my obligation to pay this debt, which are required to validate the debt. Absent this, continued collection and reporting may constitute a violation of 15 U.S.C. 1692e ( false representation ) and 1692f ( unfair practices ).

2. Fair Credit Reporting Act ( 15 U
.S.C. 1681i and 1681s-2 ) You are reporting inaccurate and unverified information to the credit bureaus. Under 15 U.S.C. 1681i, I demand a reinvestigation and full documentation from the original creditor to substantiate this debt. Additionally, as a furnisher of information, you are bound by 1681s-2 ( b ) to correct or delete any information that can not be verified. Failure to comply constitutes willful noncompliance, which is actionable in court. 





3. Health Insurance Portability and Accountability Act ( HIPAA ) You are not the original medical provider, yet you are attempting to collect and report on a medical debt. Under HIPAA, you are not authorized to possess or use any of my protected health information ( PHI ) without my explicit written consent or a valid XXXX XXXX XXXX XXXX XXXX XXXX. Provide documented evidence that such an agreement exists between you and the medical provider. Otherwise, you are potentially violating federal privacy laws. 





4. No Surprises Act ( Public Law 116-260 ) If this debt involves any out-of-network provider charges during an emergency or facility visit, it may be prohibited from collection under the No Surprises Act. You must provide documentation proving this charge does not fall under this category. Until you can do so, all collection activity must cease. 





Demand for Immediate Action Based on the above, I am demanding the following within 15 days of receipt of this letter : Immediate cease and desist of all collection activity under 15 U.S.C. 1692c ( c ) Removal of this collection account from all credit reporting agencies under 15 U.S.C. 1681s-2 ( b ) Full and complete validation of the alleged debt, including original signed agreements, itemized charges, and HIPAA-compliant documentation If you continue to report inaccurate, unverified, or unlawful medical information to the credit bureaus, I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) , Federal Trade Commission ( FTC ) , U.S. Department of Health and Human Services ( HHS ) , and pursue legal remedies for damages and statutory penalties. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation