Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: FL

Complaint narrative:
Subject XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington , DC XXXX Re : Formal Complaint Unlawful Reporting of Medical Debt Without Notice or Validation - XXXX XXXX Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding the improper and unlawful reporting of an alleged medical debt to my consumer credit reports approximately 2 years after the purported date of service, without prior notice, billing statements, or an opportunity to dispute the charge. 

At no time did I receive written notice, billing documentation, or communication from the medical provider or any collection agency before this account was reported to the credit bureaus. The first notice of this alleged debt occurred only after it had already been placed on my credit report, causing immediate and unjustified harm to my credit standing. All of my bills are in the medical portal with XXXX, which is part of XXXX XXXX XXXX XXXX. I am currently on financial assistance, and my balance is XXXX. Since this debt was from XXXX, it was not included an I had no idea it was placed with collections. 

This conduct appears to violate multiple federal and Florida consumer protection laws, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Furnishers of information are required to ensure that information reported to consumer reporting agencies is accurate, complete, and verifiable. Reporting a debt without proper validation or notice raises serious concerns regarding compliance with these obligations. 

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

If a third-party debt collector is involved, it must provide a written validation notice within 5 days of the initial communication. No such notice was ever provided. 

Florida Consumer Collection Practices Act ( FCCPA ), Fla. Stat. 559.55559.785 This statute prohibits unfair, deceptive, or abusive debt collection practices, including attempts to collect or report a debt without legitimate verification or lawful notice. 

Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ), Fla. Stat. 501.201 et seq.

The reporting of unverified or improperly noticed medical debt constitutes an unfair or deceptive act in the conduct of trade or commerce. 

Medical Debt Reporting Standards and Industry Practices Medical debts are subject to heightened scrutiny due to complex billing and insurance processes. The delayed reporting of this alleged debtnearly two years after the purported date of servicestrongly suggests improper billing, lack of lawful validation, or systemic noncompliance with consumer protection standards.

I hereby formally dispute this alleged debt in its entirety and do not acknowledge any liability for it. I respectfully request that the CFPB investigate this matter and take appropriate action to ensure compliance with applicable federal and Florida law, including requiring that the reporting entity : Produce full documentary validation of the alleged debt, including itemized billing statements, dates of service, proof of financial responsibility, evidence of assignment or authority to collect, and documented proof that legally required notice was provided to me ; and Immediately delete this account from my credit reports if the reporting entity can not demonstrate full legal compliance and proper validation. 

The relevant account information is as follows : Medical provider or collection agency : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX Account number or reference number XXXX {$740.00} - XXXX {$590.00} Alleged date of service : XXXX. Also, bills were not received because they were automatically added to my XXXX XXXX account. 

Date the account appeared on my credit XXXXXXXX  Credit bureaus reporting the account : [ XXXX  / XXXX  / XXXX  XXXX I respectfully request written confirmation of the investigation and resolution of this complaint. I also request that the CFPB review this matter for potential systemic violations affecting consumers. 

Thank you for your attention to this serious consumer protection issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief