Consumer complaint received 2022-01-07
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The medical debt collection account in question was opened on XX/XX/XXXX and reported by XXXX XXXX XXXX, with an original balance of {$3800.00}. This medical debt collection account was paid by the insurance company XXXX of XXXX on XX/XX/XXXX, with a total amount paid of {$3800.00}, matching the medical debt collection account on my credit report. The Original Creditor of this balance was XXXX XXXX  XXXX. In accordance with the National Consumer Assistance Plan, the medical debt collection account should have never been reported on my Credit report, as the medical debt collection account was paid by the insurance company Mutual of XXXX. My first step to having this medical debt collection account removed from my credit report was filing a dispute with Experian, where I provided the Explanation of Benefits from Mutual of XXXX, as well as the claim receipt, proving that this debt was paid to the original creditor, XXXX XXXX  XXXX. The Explanation of Benefits from XXXX XXXX  XXXX and the claim receipt were provided in separate disputes for the same medical debt collection account, as each dispute filed with Experian did not result in any action or the removal of the medical debt collection account from my credit report. Experian responded to my filed disputes of this medical debt collection account by saying they reached out to the data furnisher, the debt collection agency XXXX XXXX XXXX, and XXXX stated that the account information was accurate. Experian then refused to remove the medical debt collection account from my credit report, even though I had provided documentation in multiple disputes that this medical debt collection account was paid by the insurance company XXXX of XXXX. I then followed up this response from Experian by calling XXXX XXXX XXXX, which records the calls they receive, and XXXX told me that the Original Creditor, XXXX XXXX  XXXX told them that the account was paid, and to report it as such, but that XXXX would not stop reporting the medical debt collection account on my credit report, as they had no proof that the collection was paid by insurance. Thus, either XXXX XXXX XXXX is lying that they did not have proof of the collection being paid by insurance, or Experian did not provide the documentation attached with my multiple disputes to XXXX XXXX XXXX. The documents provided in my disputes, and this complaint, clearly show that the medical debt collection account reported on my credit report by XXXX XXXX XXXX was paid by the insurance company XXXX XXXX XXXXXXXX to the Original Creditor, XXXX XXXX  XXXX, and as a result, should be removed and not be reported on my credit report.

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