Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North American Credit Services
State: FL

Complaint narrative:
In XX/XX/XXXX, I received a debt collection letter from North American Credit Services , Inc. ( NACS ) demanding payment of {$290.00} for an alleged medical debt originally from XXXX  XXXX  dated XX/XX/XXXX. I have never authorized the transfer, sale, or sharing of my personal and medical information to NACS. This alleged debt should have been billed to XXXX, which has primary responsibility for payment under federal XXXX regulations ( 42 U.S.C. 1396 et seq. ). 

The letter from NACS contains multiple inconsistencies, including mismatched account numbers and failure to provide a patient number, calling into serious question the accuracy, validity, and ownership of the debt. NACSs communication further attempts to coerce payment by threatening legal action through a so-called XXXX Department , despite explicitly admitting that no attorney has reviewed my account. This constitutes a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692d, 1692e, and 1692f, which prohibit false, deceptive, and unfair debt collection practices, including false representation of legal status and threatening action they can not legally take.

Upon receiving the letter, I exercised my rights under FDCPA 809 ( 15 U.S.C. 1692g ) to request a full debt validation, including detailed documentation proving the debt is mine, an accounting of charges, and explanation why XXXX  was not billed. Despite this, NACS has failed to provide proper validation or substantiation of the debt, in direct violation of federal law. Continued collection efforts without validation violate my rights and are unlawful under FDCPA 1692g ( b ) and 1692e.

Moreover, NACSs reporting of this disputed debt to credit reporting agencies without proper verification constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2, which require accurate, complete, and verified reporting of consumer information. Their failure to correct or delete inaccurate information after dispute has caused demonstrable harm to my creditworthiness. 

As a direct and proximate result of NACSs unlawful debt collection practices and credit reporting violations, I have suffered severe emotional distress, anxiety, financial harm, and damage to my credit reputation. I demand the immediate cessation of all collection activities until proper validation is provided, deletion of any inaccurate information from all credit reporting agencies, and full compensation for statutory damages up to {$1000.00} under FDCPA 813 ( 15 U.S.C. 1692k ), actual damages including emotional distress under 15 U.S.C. 1692k ( a ) ( 1 ), and punitive damages due to their willful and malicious misconduct.

This conduct also violates Floridas consumer protection laws, including the Florida Consumer Collection Practices Act ( FCCPA ), Fla. Stat. 559.55 et seq., which provides additional protections against deceptive and abusive debt collection practices. I reserve all rights to pursue further legal remedies.

Company response to consumer: Closed with explanation