Today I checked my credit report, and there was an unknown medical collection from FBCS Inc, account number XXXX. I have never heard of this company, I have never received any information pertaining to the bill or collection in question. I have no idea what it is from, or where it came from. My credit report says that this is a medical collection that was assigned on XXXX. FBCS, Inc. had plenty of time to send me a " debt validation notice '' prior to inserting this onto my credit report, but has failed to do so. 

FBCS lists the original creditor as XXXX. I have never opened an account with XXXX, nor have I ever received a bill from them. Nor did I ever receive any communication from FBCS. INC. My address is listed on my credit report yet they never sent me a " debt validation notice '' prior to reporting these accounts to the CRA 's like they are required to by law. FBCS XXXX failure to send the Debt Validation Notices to me prevented me from exercising my legal right to request debt validation of the alleged debt at the outset. Since I have never received one they are in violation of Section 809 ( a ) the FDCPA, 15 U.S.C. 1692g ( a ). 

Under HIPAA privacy laws FBCS. INC. should not have any of my personal medical information, unless they have a " written '' agreement with their " client '' that grants them the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the XXXX, SEC. XXXX. They also have to provide an agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. 

I am not pleased with the federal bond and collection, they have failed to attempt an explanation of my " supposed debt. '' I would like this removed immediately from my credit report, and for the company to never contact me. This practice of not contacting and ruining someone 's credit is unjust.