Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: USCB, Inc.
State: CA

Complaint narrative:
RE : Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX Recipient or Account Manager, be advised this is not a refusal to pay, but a notice that your claim is disputed and validation of debt is requested under the Fair Debt collection Practices Act ( FDCPA ). I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay these accounts and there is some contractual obligation that is binding on me to pay this debt. ************Understand this is not a request for verification or proof of my mailing address************, but a request for validation of debt I owe your client made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX  ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for a violation of the Fair Debt Collection Practices Act and Defamation of Character. 

If you are able to provide the proper documentation as requested in the below declaration, I will require thirty days to investigate this information. During such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within thirty days from the date of receipt, all references to these accounts must be deleted and completely removed from my credit report and a copy of such deletion request shall be sent to me immediately. 

Moreover, it would be advisable that you and your client assure that your records are in order before I am forced to take legal action. Seeing that accounts # XXXX and # XXXX are for the same date and it just so happens to be an office visit to which I paid a copay. Moreover, there are no test results in my online medical history that match your date of service too. My guess, these charges are for a different patient with a similar name. That being said, I strongly suggest you cease & desist, remove all collection reporting 's from each credit bureau and immediately consult with your client. 

CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client, XXXX XXXX, that grants you, USCB America, the authority to collect on these alleged debts Agreement or Contract that bears the signature of the Debtor wherein agreed to pay the Creditor Any insurance claims been made by Creditor regarding these accounts Name, address and point of contact of Creditor, XXXX XXXX Amount of each alleged debt without interest and fees added by collection agency, USCB America Date each alleged debt became payable since nothing was collected at the time of service : *Original first delinquent date on all accounts *Copy of section of such contract that transfers Debtor 's obligation to USCB America *Complete accounting of alleged debts *Commission for debt collector if collection efforts are successful *Proof the Statute of Limitations have not expired on each account *Proof that USCB America can report alleged debt to credit bureaus without any equitable interest in such accounts *Proof that USCB America did not violate my rights according to title 1.81.5. California Consumer Privacy Act of 2018 *Proof XXXX XXXX can transfer third party debts to another third party for collection *Proof XXXX XXXX can transfer or assign debt to a third party whom has no equitable interest in such debt *Proof XXXX XXXX can transfer or assign accounts to a third party with Debtor 's private information without a Debtor 's signed Business Affiliation Disclosure *Proof XXXX XXXX can transfer or assign accounts to a third party whom was not disclosed in the original contract between Creditor & Debtor *Please provide the name and address of the bonding agent for USCB, America in case legal action becomes necessary. 

Your claim can not and will not be considered if any portion of the above is not provided or completed with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act : The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation