Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Millco Management
State: FL

Complaint narrative:
Great heres a * * formal, aggressive CFPB complaint letter * * regarding the * * three collection accounts * * on your XXXX  report. This version cites federal law, outlines your rights, and presents your demand clearly and professionally. 

-- - * * Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX  XXXX XXXX Washington, D.C. XXXX \ [ You may also file this online at : [ https : //www.consumerfinance.govXXXX ] ( https : //www.consumerfinance.gov/XXXX  ) ] * * From : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX [ XXXX ] ( XXXX : XXXX ) * ( replace with yours ) * Date : XX/XX/XXXX Subject : Formal Complaint Against Debt Collectors and Credit Reporting Agencies for Multiple Violations of the FDCPA, FCRA, and HIPAA Dear CFPB, I am writing to file a formal complaint against the following debt collection agencies and credit reporting bureau ( XXXX ) for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and HIPAA Privacy Rule. These agencies have reported inaccurate, unvalidated, and possibly unlawfully disclosed information to the credit bureaus, damaging my credit and violating my consumer rights. 

Accounts in Question : 1. XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : \ {$1100.00} * Date Assigned : XX/XX/XXXXXXXX  * Equifax Report Date : XX/XX/XXXX Violations & Consumer Harm FDCPA Violation 15 U.S.C. 1692g ( b ) : These agencies failed to validate the debts after I requested debt validation in writing. They continued reporting and collecting without providing the required documentation, which includes : * Original signed contracts * Full accounting of the debt * Chain of assignment * For the medical debt : HIPAA-compliant authorization to disclose or collect. 

FCRA Violation 15 U.S.C. 1681i & 1681s-2 ( b ) : XXXX  continues to report these debts without conducting proper reinvestigation or confirming accuracy with the furnishers after disputes were submitted. They have failed to mark the debts as " disputed '' within the allowed timeframe. 

HIPAA Violation 45 CFR 164.502 : The medical debt reported by XXXX XXXX does not include proof of authorization to share personal health-related billing data with a third-party debt collector or consumer reporting agency. 


Requested Resolution 1. * * Immediate investigation * * into each of the named debt collectors for violations of the FDCPA, FCRA, and HIPAA.

2. * * Sanctions or penalties * * imposed where non-compliance is confirmed.

3. * * Immediate deletion * * of the inaccurate, unvalidated, and improperly reported accounts from XXXX  and any other credit bureaus.

4. * * Written confirmation * * of the resolution of this matter. 



This complaint reflects ongoing distress and damage to my credit file, ability to obtain fair credit, and emotional well-being. I respectfully request that the CFPB investigate and take appropriate regulatory action. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation