Debt collection -- Attempts to collect debt not owed -- Complaint #16830436

Complaint Overview

Complaint ID: 16830436

Company: Business & Professional Collection Service INC

Product: Debt collection

Sub-Product: Medical debt

Issue: Attempts to collect debt not owed

Sub-Issue: Debt is not yours

State: Nevada

ZIP Code: 89509

Date Received: 2025-10-26T12:00:00-05:00

Date Sent to Company: 2025-11-04T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: No

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

DEBT DISPUTE LETTER SENT VIA CERTIFIED MAIL - RETURN RECEIPT REQUESTED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NV XXXX Re : Dispute of Medical Debt Collection Original Creditor : XXXX, XXXX, XXXX XXXX Original Creditor Account Number : XXXX Date of Service : XX/XX/XXXX Alleged Amount Due : {$740.00} plus {$56.00} interest Your Letter Dated : XX/XX/XXXX FORMAL DISPUTE NOTICE AND DEBT VALIDATION REQUEST To Whom It May Concern : On XXXX XXXX I called the other company that provided the information and I spoke to XXXX XXXX number XXXX and they told me that through XXXX they were still processing the claim. The company XXXX XXXX XXXX sent me a collection letter with interest. The company is called XXXX XXXX XXXX XXXX. The address is mentioned in this complaint. I, XXXX XXXX XXXX XXXX writing in response to your collection letter dated XX/XX/XXXX, regarding the above-referenced alleged medical debt. I am disputing this debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and Nevada state law. GROUNDS FOR DISPUTE I am disputing this debt on the grounds that the insurance information associated with this account was incorrect. Today, XX/XX/XXXX, I have successfully corrected the insurance information with the original creditor, XXXX, XXXX, XXXX XXXX. This correction should result in proper insurance billing and resolution of any outstanding balance without the need for collection activities. I wish to note that I had previously attempted to address this matter by sending a certified letter to XXXX, XXXX, XXXX XXXX in XX/XX/XXXX, but the letter was never delivered according to USPS tracking. I faxed the same letter along with USPS tracking documentation to XXXX, XXXX, XXXX XXXX on XX/XX/XXXX, with confirmation of successful transmission. While I informed the call center representative/s for any confusion this situation may have caused, I have been diligent in my attempts to resolve this matter, and the incorrect insurance information was not due to any negligence on my part. DEMAND TO CEASE COLLECTION ACTIVITIES Pursuant to the FDCPA, I hereby demand that you immediately cease all collection activities related to this alleged debt until this dispute is fully resolved and the corrected insurance information has been processed. This includes, but is not limited to : 1. Ceasing all telephone calls to me ; 2. Ceasing all written communications regarding collection of this debt ; 3. Ceasing all electronic communications regarding collection of this debt ; 4. Ceasing any reporting of this debt to any credit reporting agencies ; and 5. Ceasing any legal action or threats of legal action related to this debt. CREDIT REPORTING PROTECTION In your letter dated XX/XX/XXXX, you stated : This medical debt will not be reported to any credit reporting agency during the 60-day notification period. I expect you to honor this commitment. Pursuant to the FDCPA and the Fair Credit Reporting Act ( FCRA ), I demand that you do not report this disputed debt to any credit reporting agency while this dispute is pending. If you have already reported this debt, I demand that you immediately notify all credit reporting agencies that this debt is disputed and request its removal from my credit reports until this matter is resolved. DEBT VALIDATION REQUEST Pursuant to 15 U.S.C. 1692g, I hereby request validation of this debt. Please provide me with the fo llowing information within 30 days : 1. Complete documentation showing the chain of ownership of this debt from the original creditor to your agency ; 2. A copy of the original contract or agreement that created this debt ; 3. A complete accounting of the alleged debt, including : a. The original amount of the debt ; b. All interest charges applied ; c. All fees and collection costs added ; d. All payments made on the debt ; e. The current balance claimed due ; 4. Documentation showing you are licensed to collect debts in Nevada ; 5. Documentation showing your authority to collect this specific debt ; 6. The name and address of the original creditor, if different from the current creditor ; 7. Documentation showing how the insurance information was processed and why it was determined to be incorrect ; and 8. Any other documentation relevant to validating this debt. COMMUNICATION PREFERENCES Pursuant to Nevada law, I request that you place my telephone number on your do-not-call list. I prefer to communicate via written correspondence or email. If email communication is necessary, please contact me at XXXX. RESPONSE REQUIREMENTS I require your written response to this dispute within 30 days, as mandated by federal law. Please send your response via certified mail with signature required to ensure proper delivery and documentation. Your response should address all points raised in this letter and include all requested validation documentation. CONSEQUENCES OF NON-COMPLIANCE Please be advised that failure to comply with this dispute letter may result in my filing complaints with the Nevada Attorney Generals Office, the Consumer Financial Protection Bureau, and other appropriate regulatory agencies. CONCLUSION I am committed to resolving this matter properly and efficiently. Thank you for your prompt attention to this matter. Sincerely, ________________________________________ XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX, NV XXXX Email : XXXX ENCLOSURES : 1. Copy of letter faxed to XXXX, XXXX, XXXX XXXX in XX/XX/XXXX XXXX. USPS tracking printout showing non-delivery of certified letter 3. Fax confirmation from XX/XX/XXXX XXXX

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