Concentric Receivable managmenet is attempting to collect illegally, reporting to the bureaus illegally, in violation of FDCPA, FACTA, FCRA and noncompliance to credit reporting laws. I mailed the following letter and they refuse to provide ALL docs to legally collect and report an account. THE CEASE AND DESIST HAS BEEN IGNORED AND INCLUDES CALLS< EMAILS> REPORTING TO BUREAUS AND LETTERS.
HIPPAA VIOLATION~!!!!! No account for medical can be collected or reported legally without PROVIDING THE CONSUMER the agreement between creditor and collector and PROOF of what information was shared. IT IS HIPPAA violation to even state ANYTHING on a bureau. My medical info has now been shared illegally by this collection WITH ALL XXXX BUREAUS!! LAWSUIT FOR CLINIC AND THIS AGENCY NOW BEING FILED!!!!!!
CONCERNING THE ALLEGED ACCOUNT (Contentric receivable / XXXX XXXX XXXX XXXX )
I am writing this letter in response to the phone call I received from a collector representing your agency last week. Your collector informed me that I owed YOU an alleged debt (see enclosed).
When I questioned the collector regarding your rights to pursue this, I was curtly informed that YOUR FIRM’S policy DID NOT permit any validation of the information regarding this alleged debt and it was your firms policy to NOT provide detailed account records to ANY debtor. When I demanded to speak with a supervisor, your collector informed me that a supervisor was unavailable and I could pay the debt or face being sued by your firm. When I informed YOUR collector that I was starting to record the conversation your collector hung up.
After being threatened with DIRE legal actions by your employee, I contacted the United States CONSUMER FINANCIAL PROTECTION BUREAU; I spoke with a representative who forwarded me to a supervisor who clearly pointed OUT that YOUR Firm IS REQUIRED BY THE FDCPA and the Credit Reporting Bureau Settlement agreement to PROVIDE all of the FOLLOWING information to any debtor that your firm is pursuing. Additionally, my family attorney has confirmed that your FIRM is compelled by TORT law precedent to provide this information or face a lawsuit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) .
Please supply the following information in complete detail:
>> Why you think I owe the debt, and to whom I owe it, including:
>> The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.
>> If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.
>> Provide verification and documentation (retail installment contract etc.) that there is a valid basis for claiming that I am required to pay the debt to the current creditor.
>> If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.
The amount and age of the debt, specifically:
>> A copy of the last billing statement sent to me by the original creditor.
>> State the amount of the debt when you obtained it, and when that was.
>> If there have been any additional interest, fees, or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
Please indulge me with the mandated presentations of your requisite actions to authenticate and avow corporeally to the absolute genuineness,
accurateness, allness, accordance, and adherence to every single one even each any and or all of the federally composed legislative documents as related
to the now officially challenged allegations of account and or adverse notations therein of such claims. You nor any entity is permitted to keep any non-compliant
information,particularly upon it being challenged so DELETE TODAY even right NOW or unequivocally avouch physically to every single one even each any
or all of the excerpts,dated assignments,ledger balances,audited enumerations,documents of identification,each of the 426-character format fielded
P6 statements,pay status codes,alpha-/ numeric-/ and or alphanumeric source codes.Further certificate affirmly every single one even each any and or all of
the minimal five (5) portioned personal identifiers,and even the unabbreviated 386 pieces of confirmation to collect.
>> If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
>> If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
>> Identify the date of the last payment made on this account.
>> Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Due Diligence and Rights to Collect:
>> If you fail to provide any of the information or documentation I have asked for, please say why. If you do not provide it, and do not adequately explain why, I will understand that you are unable to confirm or document your claims.
>> I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
>> If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
>> Is your firm aware of (Complying with the Credit Bureau Settlement Agreement)?
>> When precisely (exact date) did your firm obtain or commence collection activities on this debt?
>> Does your firm participate or utilize any type of ACDV (Automated Credit Dispute Verification) software or system?
>> Does your firm outsource data entry for your collection process (if so please provide the legal name and address of that data entry firm)?
>> Is your firm currently Metro 2 compliant in its credit bureau reporting procedures (if not pleaser provide a signed declaration and waiver memorandum you have filed with the credit bureau or credit bureau reporting service that details the full process and steps your firm is under taking to become Metro2 compliant)?
>> As a requirement of the Credit Bureau and the CFPB debt validation requirement, please detail your firms process of verification and validation for each disputed credit item (also include the name, title, and License number for the reviewing officer)?
>> In addition, please provide a COMPLETE (beit Metro 1 or beit Metro 2) snapshot of the debt report you have provided to the CRAs (including a full P-segment trailing segment of the report)?
>> Provide a SIGNED notice of Compliance with regulatory measures as required by both the CFPB and the Credit Bureau Settlement Agreement (signed by your compliance officer, validating this DEBT and including the the name, title, and License number for the reviewing officer)?
I was also INFORMED by the CFPB supervisor that YOUR Firm has 30 days to PRODUCE ALL of the ABOVE noted information. If your firm CANNOT produce ALL of the above noted documentation in the allotted time frame, I will accept a written NOTIFICATION stipulating that your firm CANNOT COMPLY with the FDCPA and formally withdrawing your claim to this alleged debt is demanded. If you choose to ignore this demand, I will pursue a direct course offered under the SETTLEMENT AGREEMENT entered into by the Credit Reporting Agencies with the ATTORNEY GENERAL OF THE STATE OF TEXAS BUREAU
OF CONSUMER FRAUDS & PROTECTION and OCC and 37 other states that specifically EMPOWERS a working group to remediate and hold
accountable and sanction data furnishers who fail to meet the requirements of the FDCPA and CFPBs compliance guidance for Professional Debt Collection Practices. FEDERAL AND MY STATE LAWS DICTATE THAT ALL CLAIMS BE PHYSICALLY PROVEN TO ITS 100% TRUTH, 100%
CORRECTNESS, 100% COMPLETENESS,100% TIMELINESS,AND 100% COMPLIANCE ELSE WISE TO EVERY SINGLE ONE EVEN EACH ANY AND OR ALL OF THE RELATED REGULATIONS,MENTIONED OR NOT.BEING THAT THIS ITEM AS REPORTED IS CHALLENGED AS ITS LEGAL REPORTABILITY, I DEMAND,AS IS MY RIGHTS TO DO SO, THAT YOU MANDATE AND THEREAFTER ENFORCE THE DATA FURNISHER DEMONSTRATE IN UNABRIDGED SUFFICIENCY THE FACTS EXACTLY AS COMPOSED AND RELAYED TO YOU.THIS INCLUDES
SUBSTANTIAL DISPLAY OF ALL LAW REQUISITES SUCH AS PROOF OF DOCUMENTED IDENTITY OF THE INDIVIDUAL ALLEGED AS BEING WITH OWNERSHIP OF THE RESPONSIBILITY OF THE STILL UNFOUNDED CLAIMS EVEN EVERY DATE,TOTAL,ENUMERATION,PAY STATUS CODES,A.N. CODES OF THE SOURCE,PERSONAL IDENTIFIERS, COLLECTION CONFIRMATION
PIECES REQUIRED,AS WELL AS ANY DICTUM THAT MIGHT BE, KNOWN OR NOT.DELETE PROMPTLY IF IN DEFICIENCY TO DO SUCH IN A FEDERALLY DEFINED TIMELY MANNER .
If your firm chooses not to respond to this VALIDATION demand and its conditions I will NOT hesitate to FILE suit and SEEK my own payday against your firm for malicious collection activities-see XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX