Consumer complaint received 2021-09-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX, with a personal residence at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, file a complaint pertaining to four ( 4 ) violations against me by a medical debt collection company that violated the 180-day mandate established between the three credit reporting agencies and the Consumer Financial Protection Bureau ( CFPB ). As of XX/XX/2015, medical debts must have a 180-day notice from the service provider that an obligation will not be surrendered to a medical collection agency until 180-day notice was filed and registered with the consumers knowledge. The CFPB has aggressively filed lawsuits against medical debt collectors for serious aggressive collection practices.

Today, the Consumer Financial Protection Bureau ( CFPB ) announced an enforcement action against a medical debt collection company for mishandling consumer credit reporting disputes and preventing consumers from exercising important debt collection rights. These practices potentially affected the credit scores of thousands of individuals and caused consumers distress and confusion. The CFPB is ordering the company to provide over {$5.00} XXXX in relief to harmed consumers, correct its business practices, and pay a {$500000.00} penalty. 
XXXX XXXX XXXX mistreated consumers and prevented them from exercising critical debt collection rights, said CFPB Director XXXX XXXX. These violations are particularly egregious given the challenges many consumers already face who are attempting to navigate the medical debt maze. Today we are putting a stop to these illegal practices and getting consumers relief they deserve.

In addition, it is now against the law in the state of Texas to post medical debts, my rights are in violation, and I am posting a complaint with the Office of Attorney General in my state. This violation is serious, very serious. 
Several states such as Texas and Oklahoma have recently passed state legislation on the reporting of medical debts. There are restrictions either dealing with the reporting of medical debts in general, or if a pre-determined good faith estimate was issued before services were performed or after emergency services. Accordingly, I live in such a state where my right are protected from aggressive medical debt collections and their longstanding abusive effects. As in Senate Bill 1037 by Sen. XXXX XXXX, XXXX, and Rep. XXXX XXXX XXXX XXXX XXXX, which was signed Friday by Gov. XXXX XXXX. The law takes effect immediately and represents a major step in protecting consumers from the long-lasting damage that can result from surprise billing in Texas, where patients are at an uncommonly high risk of receiving expensive surprise bills. The law requires the exclusion of medical debt from a patients credit report in limited circumstances : if the patient had health coverage at the time of the health care service and if the collection account is related to billing for an outstanding balance, not including a copayment, deductible or coinsurance owed to an out-of-network emergency care or out-of-network facility-based provider. Your agency must delete all references to medical debt collections effective immediately. 

DELETE THE AFOREMENTIONED MEDICAL DEBT COLLECTION FROM ALL CREDIT BUREAUS!!! 

XXXXXXXX XXXX XXXX IS A DEPLORABLE OPERATION!!! 

THEY POSTED FOUR ( 4 ) COLLECTIONS AGAINST ME, {$420.00}, {$960.00}, {$630.00} and {$850.00} = {$2800.00} ALL SUBSCRIBER AGREEMENTS XXXX XXXX XXXX HAS WITH CREDIT REPORTING AGENCIES ARE IN VIOLATION! 

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