Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
XX/XX/year> Gulf Coast Collection Bureau , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Reference : # XXXX ) Subject : Cease and Desist Dispute Letter I am writing to formally request that you immediately cease and desist all communication related to the alleged debt referenced in your correspondence dated XX/XX/year>, which I received on XX/XX/year>. This letter is in response to the aforementioned communication. I dispute the validity of the debt you claim I owe to XXXX XXXX XXXX, Account XXXX XXXX, in the amount of {$650.00}. I believe that there are significant inaccuracies and discrepancies in the information you have provided regarding this debt. I have taken steps to review my records, and I have reason to believe that this alleged debt is not accurate or valid. In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws, I request that you provide me with the following information : 1. A detailed breakdown of the alleged debt, including the original creditor 's name, the original account number, the date of the last payment made, and a complete transaction history. 2. If the alleged debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 3. Verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide copies of any written agreements or contracts that created my original requirement to pay? 4. Verification of your authority to collect this debt from me. Until you can provide the requested information and substantiate the validity of the debt, I insist that you cease all communication with me, as any further communication without proper validation would be in violation of my rights under the FDCPA and other applicable laws. Please consider this letter as notice that I am disputing the alleged debt and requesting a complete and thorough validation of its accuracy. Failure to comply with this request within the time frames stipulated by law will result in further action on my part, including reporting your non-compliance to the appropriate regulatory bodies and pursuing legal remedies available to me. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. I look forward to your prompt attention to this matter. Please communicate with me in writing only, and do not attempt to contact me via phone or any other means until the requested validation is provided. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation