Consumer complaint received 2019-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: State Collection Service, Inc.
State: FL

Complaint narrative:
After several years of not monitoring my credit reports, I finally requested a copy of my XXXX, XXXX and XXXX XXXX credit reports in XX/XX/2019, where I first noted a collection account present from the State Collection Services/XXXX XXXX Hospital ( XXXX ). I didnt know that there was a bill, as I have never received any billing or notification from these companies saying that this amount was owed. I was shocked to see that they said I owed {$4700.00} on my credit reports and that it was in collections. 

On XX/XX/2019, I wrote the State Collection Services/XXXX, requesting them to validate this debt and sent the request via certified mail with return receipt. The State Collection Services/XXXX  did not send a response, to my request, to validate the debt. Since I was never given a billing statement or any information to validate this debt, I wrote letters to XXXX, XXXX  and XXXX XXXX requesting this collection to be removed from my credit reports, to no avail. The only change that I saw was made by the State Collection Services/XXXX, was ONLY to update the balance date and update the status date to the following month on my credit reports. Updating the dates was not enough as I needed to be able to validate this debt! My USPS tracking number XXXX indicates that the validate debt letter was delivered and accepted on : XX/XX/2019 at XXXX XXXX  Delivered, Individual Picked Up at Postal Facility XXXX, WI XXXX As a consumer, I have the right to receive proper notification of debts to review before I pay any bill. I have not received ANY billing notification or validation of debt letter from the State Collection Services/XXXX and my rights have been impinged upon, as we all are protected by the Fair Debt Collection Practices Act. Please have this collection removed from my XXXX, XXXX and XXXX XXXX credit reports. The information in this letter is true and real and I appreciate any help in removing this collection from my credit reports. Thank you. 

I have tried to upload 4 Word documents into this report and CFPB 's system will not accept them. I have also tried to find a customer service phone number to report this problem and I can not find a phone number that gets me to a person. I am now going to copy and paste my request to validate the debt letter as follows : XX/XX/2019 STATE COLLECTION SERVICE XXXX XXXX XXXX XXXX, WI XXXX Re : XXXX XXXX Hospital To Whom It May Concern : I am writing this letter in response to our phone conversation on XX/XX/2019. In conformance to my rights under the Fair Debt Collection Practices Act, I am requesting you to provide me with a validation of the debt that we spoke of. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ).

I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt.

2. The agreement bearing my signature stating that I have agreed to assume the debt.

3. Valid copies of the debt agreement stating the amount of the debt, breakdown of the charges and interest charges.

4. Proof that the Statute of Limitations has not expired.

5. Complete payment history on this account along with an accounting of all additional charges being assessed.

6. Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent.

If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.

Thank you for your help in this matter.

Sincerely,

Company response to consumer: Closed with explanation