Consumer complaint received 2025-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : Medical Data Systems Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Dispute and Request for XXXX XXXX XXXX XXXX LEGAL NOTICE & REQUEST TO CEASE REPORTING INACCURATE INFORMATION Dispute and Request for XXXX XXXX XXXX XXXX This is a formal dispute and request for investigation regarding the item ( s ) reported by your company on my consumer credit report. This request is made under : 15 U.S.C. 1692g of the FDCPA ( Debt Validation ) 15 U.S.C. 1681s-2 of the FCRA ( Responsible Furnishing ) 15 U.S.C. 1681 ( b ) & 1681 ( q ) Permissible Purpose & Access I believe the information reported is inaccurate, incomplete, and/or unverifiable, including but not limited to : The reported balance The account open and/or delinquency date The relationship between your agency and the original creditor The legal authority to collect this debt My non-public personal information being shared and accessed without lawful consent REQUEST FOR PROOF & VALIDATION UNDER FDCPA Account Name : MEDICAL DATA SYSTEMS Account XXXX XXXX XXXX XXXX XXXX XXXX  Under 15 USC 1692g, I am requesting : Itemized breakdown of debt The full name and address of the original creditor Complete payment history and signed agreement ( if any ) Contractual agreement between your agency and the original creditor All billing statements Whether this debt was assigned or purchased ( Yes/No ) Any applicable 1099-C or classification as charged-off income if written off Whether insurance reimbursements were sought before collection If your agency is unable to fully validate this debt, per FDCPA and FCRA standards, the item must be deleted from all credit bureaus reporting it. 

NON-PUBLIC PERSONAL INFORMATION Per 15 U.S.C. 68016802 ( GLBA ), I never received a privacy notice allowing me to opt out of sharing my non-public personal data with affiliates or third parties as required by law. I demand clarity on how you obtained and used my personal information and request copies of privacy notices sent to me. 

CEASE & DESIST CLAUSE While this dispute is under investigation, I request all collection activity cease and desist immediately, as required under the FDCPA. Reporting unverifiable or inaccurate data to any consumer reporting agency during this period may be considered willful noncompliance and could lead to legal action. This includes any re-reporting or re-aging of debt. 
PERMISSIBLE PURPOSE & ACCOUNTABILITY Under 15 U.S.C. 1681b and 1681q, I request certified documentation of your agencys Permissible Purpose Certification that allowed access to or furnishing of my credit data to any reporting agency for this account. If no proper purpose or consent exists, this constitutes unauthorized access under federal law. 

FINAL WARNING Should you fail to validate this account within 30 days of your receipt of this letter, you must : Cease all attempts to collect Immediately delete the item from all credit reports Send written confirmation of its deletion Failing to do so may result in complaints filed with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) Any relevant state attorney generals office I reserve all legal rights and remedies in accordance with federal and state law to protect my consumer rights moving forward. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation