Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Meade & Associates, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX : XX/XX/XXXX Last XXXX SSN : XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau RE : XXXX XXXX Meade & Associates XXXX XXXX Reporting on Equifax To Whom It May Concern : I am submitting this complaint regarding the conduct of Meade & Associates and the reporting of a medical collection account appearing on my Equifax credit report. I am a consumer residing in Florida. The collection account at issue is being reported by Meade & Associates on my Equifax credit report as follows : Collection Agency : Meade & Associates XXXXXXXX XXXX : XXXX Account Number : # # # # XXXX Original Creditor : Emergency Physicians of XXXX Ohio Original Balance : {$720.00} ; Status Unpaid ; Date Assigned : XX/XX/XXXX Date Reported : XX/XX/XXXX This is the specific account that is the subject of this complaint, dispute, and request for investigation.I have never made any payment toward this alleged debt, nor have I acknowledged liability for it. I dispute owing this alleged debt and request a full investigation into the accuracy, completeness, and legality of the reporting. To the best of my knowledge, I have not been provided sufficient documentation establishing : The date of service. A complete itemized billing statement. Proof that I am legally responsible for the debt. Documentation supporting the amount claimed. Documentation demonstrating that the alleged debt is accurate, complete, and verifiable. Documentation demonstrating the accuracy of the information furnished to XXXX I am requesting debt validation and verification of the alleged account. I am also requesting documentation showing any assignment, transfer, or authorization relied upon in furnishing this alleged debt to XXXX Based upon the information currently available to me, the conduct described above appears inconsistent with, and warrants investigation under, the following provisions : 12 CFR 1006.34 ( c ) ( 3 ) Validation Information Requirements. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Notice of Consumer Dispute Rights. 12 CFR 1006.34 ( d ) Validation Notice Disclosure Requirements. 15 U.S.C. 1692e ( 2 ) ( A ) False Representation of the Character, Amount, or Legal Status of a Debt. To the best of my knowledge, I was not provided a meaningful opportunity to review, validate, or dispute this alleged debt before it was furnished to Equifax and reported as a collection account. I am concerned that information may have been furnished to a consumer reporting agency before all disclosures and validation information required by federal law were properly provided. If the information reported can not be fully substantiated and verified, I request that the collection account be deleted from my Equifax credit report. I respectfully request that the CFPB investigate : XXXX. Whether Meade & Associates possesses sufficient documentation to validate the alleged debt. XXXX. Whether the information furnished to Equifax is accurate and complete. XXXX. Whether all required validation notices and consumer disclosures were properly provided. 4. Whether Meade & Associates has complied with all applicable federal consumer protection laws and regulations governing debt collection and credit reporting. XXXX. Whether the collection account was furnished to Equifax without sufficient validation and verification of the alleged debt. If Meade & Associates can not fully validate and verify this alleged debt, I respectfully request that the collection account be permanently deleted from my Equifax credit report and that all furnishing of this account cease. Thank you for your time, attention, and assistance. I respectfully request a thorough investigation and any appropriate corrective action necessary to protect my rights as a consumer and ensure compliance with federal law. Sincerely, XXXX XXXX XXXX

Company response to consumer: Untimely response