Consumer complaint received 2023-07-03
Company: Experian Information Solutions Inc.
State: PA
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:
Date XX/XX/XXXX XXXX XXXX URGENT! Removal of Unauthorized Medical alleged Debt Account To whom this may concern, I write this letter to you with utmost urgency and frustration regarding the outrageous violation of my rights. It has come to my attention that your organization is shamelessly and unlawfully reporting certain accounts to XXXX, XXXX, and Experian. I must emphasize that this is a clear breach of trust and a flagrant disregard for the law. I demand your immediate attention to this matter and insist on the swift resolution of this outrageous situation. 

Let me be unequivocally clear : unless you can provide me with concrete evidence that I have explicitly granted XXXX XXXX XXXX or XXXX XXXX XXXX permission to disclose any of my medical information to XXXX, XXXX, or Experian, I demand the complete deletion of the following accounts from your records : Account number : XXXX Amount : {$4700.00} Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ), I possess the unequivocal right to safeguard the privacy of my personal information and medical records from being exposed to third-party reporting agencies. This law exists for a reason, and I will not tolerate its blatant violation by your organization. 

Moreover, in accordance with the Fair Credit Reporting Act ( FCRA ), I reserve the right to demand validation of any debt being reported to credit bureaus. 

Therefore, I insist that you promptly furnish me with comprehensive documentation containing all information you received from the service provider regarding the alleged debt associated with the aforementioned account. Failure to comply with this demand will only further expose your organization to legal consequences for your blatant noncompliance with federal regulations. 

You have an immediate and non-negotiable deadline of 30 days to respond to this request. Should you fail to provide the requested documentation within the stipulated timeframe, I will have no choice but to consider the aforementioned debt null and void. In such an event, I will not hesitate to escalate this matter further, demanding the immediate removal of these unlawfully reported accounts from your reporting agency. 

This egregious violation of my rights and the willful disregard for the law can not and will not be tolerated. I demand nothing short of your immediate attention and swift action to rectify this outrageous situation. Failure to do so will leave me with no alternative but to seek legal recourse and hold your organization accountable for its blatant misconduct. 

I expect and demand your prompt and satisfactory response to this matter. I will be monitoring this situation closely, and any further delays or inadequate responses will only escalate the severity of the actions I will pursue against your organization. 

Consider this an ultimatum and an opportunity to rectify your actions before more serious consequences befall your organization. 


Best Regards, XXXX : XXXX XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with non-monetary relief