Consumer complaint received 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sentry Recovery and Collections, Inc.
State: GA

Complaint narrative:
Unlawful Medical Collection Reporting by Sentry Recovery & Collections Violations of FCRA, FDCPA, HIPAA Request for {$1000.00} in Damages * * Name : * * Sentry Recovery & Collections * * Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone : XXXX XXXX XXXX XXXX XXXX XXXX Complaint Summary On or around XX/XX/year>, Sentry Recovery & Collections reported a medical collection account to XXXX XXXX XXXX XXXX XXXX in the amount of * * {$1100.00} * *. This account was added to my credit report without my knowledge, consent, or prior validation. It is listed as a * * medical debt * *, yet no documentation was provided to me beforehand.

Violations of Law * * FCRA 1681c ( a ) ( 8 ) * * Medical debts * * can not be reported * * unless they are * * older than one year * *, * * exceed {$500.00} * *, and have been * * validated * *. This debt appeared less than 30 days after the alleged account opening date and violates these federal requirements.

* * FCRA 1681s-2 ( a ) * * The collector has a duty to report only * * verified and accurate * * information. No such verification was made available to me before this account appeared.

* * FDCPA 1692g and 1692e ( 8 ) * * The collector failed to provide the legally required debt validation notice. Reporting an account without proper validation and without notifying the consumer is a direct violation of federal law.

* * HIPAA ( Potential Violation ) * * If the underlying debt is medical in nature, I have not received or authorized any HIPAA-compliant release of my personal health information to a third-party debt collector.

Harm and Damages As a result of this improper and negligent reporting : * My credit score dropped significantly. ( see screenshot ) * I experienced financial stress, reputational damage, and difficulty qualifying for essential credit products. 
* This situation has caused * * emotional distress * * and interrupted my financial goals through no fault of my own. 

I am formally requesting the following : 1. * * Immediate removal * * of the Sentry Recovery & Collections account from all credit bureaus.

2. * * A full investigation * * into Sentry Recovery & Collections for noncompliance with federal consumer protection laws.

3. * * Confirmation * * that this company is held accountable for its unlawful credit reporting practices.

4. * * Monetary compensation in the amount of {$1000.00} * * for the harm caused by the negligent and unlawful reporting of this unvalidated medical collection. This request is made under my rights pursuant to * * 15 U.S.C. 1692k ( a ) ( 1 ) and ( 2 ) ( A ) * *, which entitles individuals to damages for violations of the * * FDCPA * * and * * FCRA * *. 

This reporting is legally noncompliant, harmful, and negligent. I respectfully request the CFPBs immediate assistance in resolving this matter and holding this company accountable under the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation