15.  On or about September 12, 2019, Plaintiff received medical services from New  York Presbyterian Hospital.    16.  Thereafter, New York Presbyterian Hospital claimed Plaintiff incurred a debt of  $75.00 for the medical services (“the alleged Debt”).    17.  The alleged Debt is a “debt” as that term is defined by 15 U.S.C. § 1692a(5).   18.  At an exact time known only to Defendant, the alleged Debt was assigned or  otherwise transferred to Defendant for collection.    19.  At the time the alleged Debt was assigned or otherwise transferred to Defendant for  collection, the alleged Debt was in default.   20.  In its efforts to collect the alleged Debt, Defendant decided to contact Plaintiff by  written correspondence.   21.  Rather than preparing and mailing such written correspondence to Plaintiff on its  own, Defendant decided to utilize a third-party vendor to perform such activities on its behalf.   22.  As part of its utilization of the third-party vendor, Defendant conveyed information  regarding the alleged Debt to the third-party vendor.   23.  The information conveyed by Defendant to the third-party vendor included  Plaintiff’s status as a debtor, the precise amount of the alleged Debt, the entity to which Plaintiff  allegedly owed the debt, and the fact that the alleged Debt concerned Plaintiff’s/his son’s medical  treatment, among other things.    25.  Defendant’s conveyance of the information regarding the alleged Debt to the third- party vendor is a “communication” as that term is defined by 15 U.S.C. § 1692a(2).   26.  The third-party vendor then populated some or all this information into a prewritten  template, printed, and mailed the letter to Plaintiff at Defendant’s direction.   27.  That letter, dated November 21, 2020, was received and read by Plaintiff.  (A true  and accurate copy of that collection letter (the “Letter”) is annexed hereto as “Exhibit 1.”)   28.  The Letter, which conveyed information about the alleged Debt, is a  “communication” as that term is defined by 15 U.S.C. § 1692a(2).   29.  The Letter was the initial written communication Plaintiff received from Defendant  concerning the alleged Debt.  30.  Plaintiff repeats and realleges the foregoing paragraphs as if fully restated herein.     31.  15 U.S.C. § 1692c(b) provides that, subject to several exceptions not applicable  here, “a debt collector may not communicate, in connection with the collection of any debt,” with  anyone other than the consumer “without the prior consent of the consumer given directly to the  debt collector.”   32.  The third-party vendor does not fall within any of the exceptions provided for in 15  U.S.C. § 1692c(b).   33.  Plaintiff never consented to Defendant’s communication with the third-party  vendor concerning the alleged Debt.   35.  Plaintiff never consented to Defendant’s communication with anyone concerning  the alleged Debt or concerning Plaintiff’s personal and/or confidential information.   36.  Upon information and belief, Defendant has utilized a third-party vendor for these  purposes thousands of times.   37.  Defendant utilizes a third-party vendor in this regard for the sole purpose of  maximizing its profits.   38.  Defendant utilizes a third-party vendor without regard to the propriety and privacy  of the information which it discloses to such third-party.   39.  Defendant utilizes a third-party vendor with reckless disregard for the harm to  Plaintiff and other consumers that could result from Defendant’s unauthorized disclosure of such  private and sensitive information.   40.  Defendant violated 15 U.S.C. § 1692c(b) when it disclosed information about  Plaintiff’s alleged Debt to the third-party vendor.   41.  For the foregoing reasons, Defendant violated 15 U.S.C. § 1692c(b) and is liable to  Plaintiff therefor.  42.  Plaintiff repeats and realleges the foregoing paragraphs as if fully restated herein.     43.  15 U.S.C. § 1692f provides that a debt collector may not use unfair or  unconscionable means to collect or attempt to collect any debt.     44.  The unauthorized disclosure of a consumer’s private and sensitive information is  both unfair and unconscionable.   46.  Defendant violated 15 U.S.C. § 1692f when it disclosed information about  Plaintiff’s alleged Debt to the third-party vendor.   47.  For the foregoing reasons, Defendant violated 15 U.S.C. § 1692f and is liable to  Plaintiff therefor.  48.  Plaintiff brings this action individually and as a class action on behalf of all  consumers similarly situated in the State of New Jersey.   49.  Plaintiff seeks to certify a class of:  i. All consumers where Defendant sent information concerning the  consumer’s debt to a third-party vendor without obtaining the prior  consent of the consumer, which disclosure was made on or after a date  one year prior to the filing of this action to the present.   50.  This action seeks a finding that Defendant’s conduct violates the FDCPA and asks  that the Court award damages as authorized by 15 U.S.C. § 1692k.   51.  The Class consists of more than thirty-five persons.   52.  Plaintiff’s claims are typical of the claims of the Class.  Common questions of law  or fact raised by this action affect all members of the Class and predominate over any individual  issues.  Common relief is therefore sought on behalf of all members of the Class.  A class action is  superior to other available methods for the fair and efficient adjudication of this controversy.   54.  Plaintiff will fairly and adequately protect and represent the interests of the Class.  The management of the class is not extraordinarily difficult, and the factual and legal issues raised  by this action will not require extended contact with the members of the Class, because Defendant’s  conduct was perpetrated on all members of the Class and will be established by common proof.   Moreover, Plaintiff has retained counsel experienced in actions brought under consumer protection  laws.  Violation of 15 U.S.C. § 1692c(b)   Violation of 15 U.S.C. § 1692c(b)  