Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
CFPB Supplemental Complaint to CFPB Case # XXXX Ray Klein , Inc. d/b/a Professional Credit Service ( PCS ) filed a small-claims lawsuit against me in XXXX  ( Case No. XXXX ) over an alleged medical debt from XXXX XXXX XXXX XXXX. 

I was not present during the hospital visits in question, did not sign any financial-responsibility agreement, and never authorized payment for those services. The only signature on the hospitals intake and financial-responsibility forms belongs to XXXX XXXX XXXX who accompanied the patient. 

After receiving the collection notice, I disputed the debt in writing and requested full validation under 15 U.S.C. 1692g ( b ), specifically asking for any signed agreement or documentation linking me personally to the debt. PCS provided billing summaries but NO DOCUMENT BEARING MY SIGNATURE or showing I ever accepted responsibility. 

Despite being notified that the signature on record was someone elses, PCS and its attorneys continued to pursue litigation and enforcement. Their legal counsel had both a professional and ethical duty to verify liability before proceeding but instead chose to move forward, resulting in an erroneous judgment against me. 

Following the lawsuit, XXXX XXXX required proof of guardianship before releasing the very same intake and responsibility formsconfirming that neither the hospital nor PCS had verified guardianship or liability before filing suit. 
Section XXXX of the hospitals financial-responsibility agreement explicitly states : The individual signing this form is the party responsible for payment of services. 
The signer was XXXX XXXX, not me. 

PCS may claim that I am liable simply because I am a parent. However, XXXX  law ( XXXX  XXXX ) imposes no automatic financial responsibility for a childs medical expenses unless the parent personally signs or authorizes the agreement. I did neither. XXXX appellate decisionsincluding XXXX XXXX XXXX, XXXX Or App XXXX ( XXXX ), and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  confirm that parental liability is not automatic and that the burden of proof lies with the party asserting liability. PCS has not met that burden and has produced no signed contract, consent, or legal authority supporting its claim. 

Over the past several months, I have exhausted all reasonable legal and administrative remediessubmitting written validation requests, filing motions, and ultimately a Writ of Review ( XXXX XXXX. XXXX ) yet no court or agency has directly reviewed the unrefuted evidence showing the alleged debt is not mine. At this stage, regulatory intervention is the only remaining safeguard against continued enforcement of a judgment entered without verified liability.I am requesting the CFPBs direct involvement to ensure compliance with federal debt-collection standards and to prevent further harm. 

By continuing to collect and enforce a judgment without any signed agreement or verified obligation, PCS has violated the Fair Debt Collection Practices Act, includ

ing : 1692e False, deceptive, or misleading representations. 1692g ( b ) Failure to cease collection and validate a disputed debt. Additionally, the conduct of PCSs counsel may constitute violations of the XXXX  Rules of Professional Conduct, including duties of truthfulness, diligence, and go
od-faith litigation. 

Requested Action : I respectfully request that the CFPB investigate PCS and its legal representatives for pursuing and enforcing an unvalidated debt when clear, documented evidence showed that I was not the responsible party.

This complaint demonstrates clear violations of the Fair Debt Collection Practices Act and the CFPBs debt-collection rules, and I respectfully request enforcement action to ensure compliance and consumer protection.

Company response to consumer: Closed with explanation