Consumer complaint received 2021-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Corporation of America
State: AR

Complaint narrative:
On XX/XX/XXXX I pull my credit report and found out that RMC OF AMERICA/ ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX two account they said I owed them. I am filing this complaint against them for non-compliance violations. I wrote them a letter of validation on XX/XX/XXXX certified mail with return receipt ( I have attach of copy of that letter ). They wrote me back on XX/XX/XXXX. The RMC OF AMERICA has the following non-compliance violations : 1 ) They have no copy of a signed contract where I allegedly agreed to pay the charges. 2 ) The medical bill reveals personal medical information about me. ( This is violation HIPAA- HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ), rules prohibit disclosing my individual 's protected health information unless you specifically authorized them to. 3 ) Creditor is reporting history inaccurately such as last date reported and last activity dates are all wrong : The case US Court of Appeals, Ninth Circuit, No. 00-15946, XXXX XXXX XXXX XXXX This defamation and causing me financial injury. The fine extent of damages incurred by the wronged party as deemed by the court. 4 ) Collection agencies " Re-Age '' by reporting the date of last activity instead of the date of the first delinquency. 5 ) Collection Agency, has not validated my debt and they are still continue to report to the credit bureaus. Consumer protection afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter XXXX from XXXX fine of 1000.00.6 ) Last and not least I am not committing to pay this debt. I ask them to validate by answering the following questions and provide documents. They answer none of this : CREDITOR/DEBT COLLECTOR DECLARATION Please provide all of the following information and submit the appropriate forms and paperwork within 30 days from the date of your receipt of this request for validation. 

______________________________________________________ Name and Address of Alleged Creditor : ______________________________________________________ Name on File of Alleged Debtor : _____________________________________________________________ Alleged Account # : XXXX Address on File for Alleged Debtor : ____________________________________________________________ Amount of alleged debt : _____________________________________________________________ Date that this alleged debt became payable : _____________________________________________________ Date of original charge off or delinquency : ___________________________________________________ Was this debt assigned to debt collector or purchased? 

XXXX Amount paid if debt was purchased : XXXX Commission for debt collector if collection efforts are successful : Provide the name and address of the bonding agent for ( Name of Debt Collector XXXX, in case legal action becomes necessary : Be aware that I am making a final goodwill attempt to have you clear up this matter by removing this item from my credit report. I am maintaining a careful record of my communication. I further remind you and the credit bureaus as in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX ) you may be liable for your willful non-compliance. This matter is harmful to me especially doing this COVID-19 panedamic please delete immediately. I hereby reserve my right to take private civil action against you to recover damages.

Company response to consumer: Closed with explanation