[PUBLISH] In the United States Court of Appeals For the Eleventh Circuit

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No. 22-11187 ____________________

OMAR SANTOS, on behalf of themselves and all others similarly situated, AMANDA CLEMENTS, on behalf of themselves and all others similarly situated, Plaintiffs-Appellants, versus HEALTHCARE REVENUE RECOVERY GROUP, LLC., d.b.a. ARS Account Resolution Services, USCA11 Case: 22-11187 Document: 58-1 Date Filed: 01/12/2024 Page: 2 of 24

2 Opinion of the Court 22-11187

Defendant,

EXPERIAN INFORMATION SOLUTIONS, INC.,

Defendant-Appellee.

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Ap