Consumer complaint received 2023-09-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX. 
XXXX, MN XXXX Re : Validation of Medical Bill - Account Number : XXXX To Whom It May Concern, Be advise this is not a refusal to pay, but a notice sent pursuant to the fair Debt collection practices Act, 15 usc 1692g stating your claim is disputed and validation is required.

I am writing to formally request validation of a medical bill that has been reported to my credit profile by XXXX XXXX, XXXX, under account number XXXX. I believe it is within my rights, as outlined by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), to request verification of the debt before any further actions are taken. 


I dispute the validity of this medical debt and kindly request that XXXX XXXX, XXXX provide the following information to substantiate the debt : 1. Verification that I am indeed the responsible party for this medical debt. 
2. A detailed breakdown of the medical services provided, including dates of service and the medical provider involved.

3. Evidence of any written agreements or contracts between myself and the original creditor, clearly showing my obligation to pay this debt and my has written signature accepting and agree all charges. 
4. Proof that XXXX XXXX, XXXX is licensed to collect debts in my state. 
5. Evidence of ownership from radius global Solution that state a rigth to Colet this Deb, 6 signed document where and when original debit or sale to dep to new owner ( radius global solution 7. Has been this original bill write off from taxes 2023 0r year previous from original owner of the bill I understand that it is your responsibility to provide this information as per the FDCPA. Until this debt is properly validated, I request that no further collection activities take place, and that any negative reporting to credit bureaus be halted. 

At this time, I will also inform that your Offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, Experian, or XXXX ) this action may constitute fraud under both Federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hersitate in bringing legal actions against you and your client for the following : Violation of the Fair credit reporting act, Violation of the fair debt collection practices act, and defamation of character. 

If your office are able to provide the proper documentation as requested in the following declaration, I will require a least 30 days to investigate this information, during this time all collection must cease and desist. Also, during this validation period, if any action is taken Wich could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the day of your receipt, all references to this account must be deleted and completely be removed from my credit file and copy of such deletion request shall be sent to me immediately. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief