HCFS Health Care Financial Services, Inc. Debt Collection Complaint

HCFS Health Care Financial Services, Inc. Debt collection department,

Medical Disclosure verification of debt Not given enough info to verify debt New Jersey

This collection company is continuing their collection activity on this account on my credit report. I feel they did not validate this account or debt per my request that I sent them in the mail previously. They have not provided signed proof that I incurred this debt, an itemization of the debt and a copy of the underlying account statement and other written validation and explanation of the debt. Being that they failed to provide it, this is a clear violation of FDCPA. At this point I am entitled to statutory damages, as they continue to report this information and that is highly damaging to me. Proper validation consists of copies of some type of current creditor records, not records which only verify that the collector believes an account is valid. Under federal law, I could hire an attorney to sue them at no cost to me and ask for $1000.00 in damages, since credit bureau reporting is considered a collection activity and have failed to provide legal documentation that they are reporting this account 100 % accurate.