Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cascade Capital, LLC
State: TX

Complaint narrative:
XXXX received " debt verification form '' from XXXX XXXX XXXX XXXX stating the original creditor was 'XXXX XXXX XXXXXXXX ' and current creditor is " Cascade Capital Funding , LLC. 
- amounts of debt claiming to be owed : {$1200.00} -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No itemized medical bill has been received for services provided. 
- 'XXXX XXXX XXXX XXXX XXXX XXXX  is the debt collection agency present as the company that has filed derogatory marks with Both XXXX XXXX XXXX credit bureaus. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; contact number listed is out of service ( XXXX ). 
- XXXX XXXX XXXX XXXX contacted -- XX/XX/XXXX ; company states they no longer hold the rights to collect the debt. Contact 'Cascade Capital Funding , LLC ' for further information - 'Cascade Capital Funding , LLC ' contacted -- XX/XX/XXXX ; advised to contact XXXX XXXX XXXX XXXX XXXX XXXX regarding questions surrounding the debt collection. 
- XXXX XXXX XXXX XXXX XXXX  XXXX contacted -- XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX ( XXXX ) XXXX ; company states debt collection account has been closed and returned to 'Cascade Capital Funding , LLC ' , in which the debt will be redistributed per a different collection agency within the next 30 days. 

Disputes with both XXXX XXXX XXXX submitted XXXX since XX/XX/XXXX for both derogatory remarks balances of {$1100.00} & {$1200.00}, in which both cases the credit bureaus have confirmed the " debt '' with XXXX XXXX XXXX XXXX. 

Per consumerfinance.gov, " If you previously had a medical collection under {$500.00}, a paid medical collection, or a collection less than a year old on your credit report, check to make sure they no longer appear on your reports. On the attached documents, and as referenced above, you will find that the " debt collections '' were open and reported as of XX/XX/XXXX. Contact has been established with all said companies listed above ( XXXX XXXX XXXX XXXX XXXX XXXX, Cascade Capital Funding , LLC, and XXXX XXXX XXXX XXXX XXXX. The revolving circulation of my consumer information such as legal name, XXXX, and social security identification number has been shared with multiple companies that claim to no longer have interest in collecting the debt mentioned above. I've requested and have yet received any itemized bills referencing this " debt '' outside of " Debt Verification Forms '' with an attached 'Cascade Capital Funding , LLC Statement ' displaying account information and charges. 

The most recent contact with the current debt collection agency, 'XXXX XXXX XXXX XXXX XXXX XXXX, has mentioned that in the next XXXX days, the collection will be removed from my credit profile via all XXXX major credit bureaus ( XXXX XXXX XXXX XXXX XXXX and reapplied via a different debt collection agency. This revolving situation seems to be abuse of a consumer 's financial protections, rights, and identity. 

Insurer, XXXX XXXX XXXX XXXX ( XXXX ), never received claims from provider " Acute Care Specialists '' for medical service debt listed above. 

Prohibition on Creditors and Consumer Reporting Agencies " For the reasons set forth herein, the CFPB is finalizing its interpretation as set forth in the proposed rule that for information about a consumers debt to be medical information under FCRA section 603 ( i ), the information must relate to a debt the consumer owes, or at XXXX time owed, directly to a health care provider or to the health care providers agent or assignee for the provision of the health care underlying the payment obligation. The CFPBs interpretation includes medical information in the form of a civil judgment arising from a debt collection action as to a medical debt directly owed to a health care provider or their assignee ( i.e., a debt buyer ), whether provided on a consumer report, by the consumer on a credit application, or if the creditor learns of the civil judgment through other means ; a credit score that had weighed medical debt information ; and debts arising from medical care that is elective, or otherwise not medically necessary ( e.g., some cosmetic surgeries ). 
As discussed later in this part with regard to the definition of medical debt information under proposed and final XXXX ( j ), the CFPB also finalizes its approach that its interpretation includes medical debt that has been sold or resold to a debt buyerwho has become the health providers assignee for the debt, because the payment obligation that was sold was created by a health care provider and at XXXX time was owed to the health care provideras well as medical debt that has been assigned to a third-party debt collector, who is acting as an agent on behalf of the health care provider or debt buyer to whom the debt is owed. The CFPB also addresses comments regarding the CFPBs approach as to medical information about debts arising from elective versus non-elective care with the other comments about the CFPBs proposed medical debt information definition.... Under final XXXX, consumer reporting agencies will generally be prohibited from furnishing consumer reports reflecting medical debt information to creditors, and any credit score based on the information in a consumers file generally would not weigh medical debt information after the effective date of the final rule. Accordingly, no safe harbor is requiredXXXX... The CFPB proposed an effective date for this final rule of 60 days after publication in the Federal Register in accordance with the Administrative Procedure Act, which generally requires that rules be published not less than 30 days before their effective dates. 
XXXX ... The CFPB has considered these comments and determines to FINALIZE the effective date as proposed.

Company response to consumer: Closed with explanation