Consumer complaint received 2024-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
On XX/XX/year>, I received alerts from all XXXX credit bureaus that there was a medical collection added to my report by ( Paramount Recovery Systems ). Paramount Recovery Systems has violated my consumer rights by continuing to furnish data to the consumer reporting agencies regarding an alleged debt as if they are the original creditor. They are violating federal law USC 1692e. They are falsely reporting information to the credit bureaus for an alleged debt not owed to Paramount Recovery Systems. Paramount Recovery Systems placed a medical collection on my consumer credit report without following the proper procedures and they are in VIOLATION of the following federal laws : 15 USC 1692G-I never received an initial communication from this debt collection company about the alleged debt or the ORIGINAL CREDITOR. I demand this debt to be removed from their system and from the credit bureaus systems immediately. The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. According to 15 USC 1692J It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section XXXX of this title for failure to comply with a provision of this subchapter. According to XXXX XXXX Paramount Recovery Systems has failed to provide all of the information required in the law below as well. Any collection activities and communication during the XXXX period XXXX not overshadow or be inconsistent with the disclosure of the consumer 's right to dispute the debt or request the name and address of the original creditor. On completion by the third-party debt collector of the investigation, the third-party debt collector shall inform the individual of the determination of whether the item is accurate or inaccurate. If the third-party debt collector determines that the information was accurate, the third-party debt collector XXXX again report that information and resume collection efforts. XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I DEMAND PROOF THAT I AGREED TO ANY ACCOUNT TERMS. I WANT TO SEE MY SIGNATURE OR A COPY OF MY ID. IF THEY CAN NOT PROVIDE THIS I WANT THIS COLLECTION REMOVED FROM MY CREDIT REPORT. DO NOT SEND ME ANYTHING OTHER THAN WHAT I AM ASKING FOR OR I WILL FILE ADDITIONAL COMPLAINTS. DO NOT CORRESPOND WITH ME IN ANY OTHER WAY. PLEASE SEND CONFIRMATION AND PROOF THAT YOU ALL HAVE REMOVED THIS COLLECTION FROM MY REPORT WITHIN 3 DAYS.

Company response to consumer: Closed with explanation