Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: FL

Complaint narrative:
To Whom It May Concern : This letter is being sent in response to your recent communications regarding an alleged medical debt and its reporting to the credit bureaus. Please be advised that I dispute the validity of this alleged debt and request full validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( Sec. 809 ( b ) ).

This is not a refusal to pay but a formal request for debt validation. Under federal law, you are required to provide proper documentation verifying that I have a legal obligation to pay this debt before any further collection or credit reporting activity continues.

Debt Validation Request Please provide the following information to validate this alleged debt : 1. A detailed explanation of what the debt is for and a complete itemization of how the balance was calculated.

2. Copies of any signed agreements or documents showing I agreed to assume this debt.

3. Verification or copies of any judgments ( if applicable ).

4. Identification of the original creditor, including the original account number.

5. Documentation confirming that the Statute of Limitations for collecting this debt has not expired.

6. Proof that your company is legally authorized and licensed to collect debts in my state, including your license number and registered agents information.

7. A copy of any agreement between your agency and the original creditor granting authority to collect on their behalf.

8. The date of the original charge-off or delinquency.

9. Disclosure of any insurance claims or payments made on this account by the original creditor.

HIPAA Compliance Because this is a medical account, I am exercising my rights under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my private medical information.

Please provide : A copy of my signed authorization permitting the medical provider to release any of my information to your agency.

A detailed description of any information you obtained from the provider related to this alleged debt.

If you are unable to produce valid HIPAA authorization documents, you are in violation of federal law and must immediately delete all references to this account from my credit reports.

Credit Reporting Notice If your office has reported inaccurate or unvalidated information to XXXX, XXXX, or XXXX, such actions may constitute violations of the Fair Credit Reporting Act ( FCRA ) and FDCPA, as well as defamation of character under state law. If this account remains reported without proper validation, I will not hesitate to pursue legal remedies for these violations.

During this validation process : All collection activity must cease immediately.

No further reporting to credit bureaus may occur until full validation has been provided and reviewed.

If you fail to respond within 30 days of receiving this letter, you must delete all information regarding this account from my credit reports and send written confirmation of such deletion.

Communication Notice I request that all future communications be made in writing only and sent to the mailing address listed above. Any telephone contact to my home, cell phone, workplace, or third parties will be considered harassment under the FDCPA and will result in legal action.

Please ensure your records are accurate and up to date before proceeding further. This letter serves as both a formal dispute and a request for validation and HIPAA compliance review. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation