Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: TN

Complaint narrative:
XX/XX/XXXX This letter is a formal complaint against Medicredit , Inc. for continued violations of the Fair Debt Collection Practices Act ( FDCPA ) and other federal laws. This complaint is in reference to a disputed debt with account number XXXX. 

I previously sent a written dispute letter to Medicredit , IncXXXX on XX/XX/XXXX. In that letter, I formally disputed the alleged debt and demanded validation, including a copy of a wet-ink signature contract. Despite my written dispute, Medicredit , Inc. has failed to cease collection efforts and has instead continued to engage in deceptive and misleading practices. 

Summary of Violations Medicredit , Inc. 's actions constitute multiple, ongoing violations of the FDCPA. 

Failure to Cease Communication ( 15 U.S.C. 1692c, 805 ) : Your office has continued to communicate with me without my prior consent or a court order, even after the debt was formally disputed in writing. Your initial contact in XX/XX/XXXX, without a contractual obligation, was unauthorized from the outset. 

False and Misleading Representations ( 15 U.S.C. 1692e, 807 ) : You have made false and misleading representations by stating you are collecting on behalf of XXXX XXXX, when you are a third-party debt collector. 

Your letter dated XX/XX/XXXX, is deceptive, offering a settlement of {$6000.00} on an alleged debt of {$15000.00} without providing validation. 

Unfair Practices ( 15 U.S.C. 1692f, 808 ) : Your actions are an unfair and unconscionable means of collection. You have attempted to collect an amount not authorized by a contract or law, as you have failed to provide any such authorization upon request.

Deceptive Forms ( 15 U.S.C. 1692j, 812 ) : The correspondence, which includes an account number from XXXX XXXX XXXX, is a deceptive form. It creates the false belief that XXXX XXXX XXXX is still participating in the collection process when it is not. 

Failure to Validate Debt ( 15 U.S.C. 1692g, 809 ) : As my written dispute letter required, Medicredit should have ceased collection activities immediately and provided verification of the debt. Your failure to do so and subsequent communication are in direct violation of this section. 

Demands for Resolution Medicredit , Inc. has repeatedly failed to provide the documentation I requested, including a wet-ink HIPAA release form, my original signed contract with XXXX XXXX XXXXXXXX XXXX and proof of a contractual obligation between myself and Medicredit.

As a result of their continued willful and intentional violations, I have demanded that Medicredit : Cease and desist all collection efforts.

Provide a written statement confirming that there is no debt owed by me.

Delete any and all of my personal information from their records.

Remove any and all negative reporting associated with this alleged debt from all credit bureaus.

I am submitting this complaint to the CFPB for investigation and enforcement action. My goal is for Medicredit , Inc. to be held accountable for its unlawful practices and for this matter to be resolved promptly and in compliance with all applicable laws. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation