Consumer complaint received 2018-04-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
THIS IS NOT A DUPLICATE REQUEST THIS COMPANY HAS JUST REPORTED NEGATIVE INFORMATION ABOUT ME WHILE THE ACCOUNT IS IN ACTIVE DISPUTE I KNOW THIS IS A VIOLATION OF THE FDCPA/FTC CREDIT CONSUMER PROTECTION LAWS. THEY ALSO ARE NOT REPORTING I AM DISPUTING THE ACCOUNT XXXX XXXX XXXX has flagged your account as { activity }. Potentially Negative Alerts notify you when one of your accounts has reported information that may negatively impact your credit score. Alert Details Alert Date XX/XX/XXXX Source XXXX Company XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX This account is in open dispute as of XX/XX/XXXX, why are they trying to add negative items while in dispute. 

Dear Sir or Madam, This letter is in reference to XXXX, XXXX for services provided to XXXX XXXX on XX/XX/XXXX. In regard to the bill on this account in the amount of {$1.00}, {$15000.00} Please be advised this is not a refusal to pay, but a notice your claims are being disputed. Under the Fair Debt Collections Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. 
I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and proof that there is some contractual obligation which is binding on me to pay this debt. Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and or authorization under subtitle D of the ARRA, SEC 13401. APPLICATION OF SECURITY PROVISIONS AND PENALITIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term " breach of security means, with respect to unsecured PHR identifiable health information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the omnibus final rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information. Technology for Economic and Clinical Health Act of XXXX ( HITECH ACT ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. Please also attach copies of any 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 and a copy of any HIPPA authorizatioN. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collections activities, including reporting of or verifying of this account on my credit reports. In the event of non -compliance, I reserve the right to file charges with the OCR on your HIPPA violations and appropriate County, State and Federal Authorities. I require compliance, I reserve the right to file charges and/or complaints with the OCR on your HIPPA violations and appropriate associations for violations and appropriate County, State & Federal authorities for violations of the FDCPA, FCRA and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of California medical privacy rules. I also hereby reserve my right to take private civil action against you to recover damages. 
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 explanation