Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I already sent a dispute but i never received a response for that. 
This account This account XXXX XXXX XXXX and XXXX I have a medical collection on my credit report that I believe is illegal, and I am requesting its immediate removal. Legal Grounds : Compliance with the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 : This law requires that all information reported to credit bureaus must be accurate, verifiable, and complete. The medical collection on my report does not meet these criteria. I have not been provided with proper validation of this debt as required by law. Protections under the Health Insurance Portability and Accountability Act ( HIPAA ) : The inclusion of this medical debt may also implicate HIPAA violations if the debt collector or original medical provider disclosed my sensitive medical information improperly. Such disclosure without my explicit consent is a violation of my privacy rights. Protections under the Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 : This law regulates debt collection practices and prohibits any unfair or deceptive practices. In this case, the failure to properly verify the debt constitutes an unfair practice. Specific Issues with the Collection Account : Lack of Verification : I have repeatedly requested verification of this debt from the collection agency and have received no response. Under the FCRA, if a consumer disputes the accuracy of an item on their credit report, the credit reporting agency must investigate and correct any inaccuracies. Incorrect Reporting : The reported amount and status of the debt are inaccurate. The debt includes charges that should have been covered by insurance, as well as charges that were incorrectly billed. Such inaccuracies severely impact my creditworthiness and are unjust. Impact on Credit Score : The erroneous collection has significantly and negatively affected my credit score, causing undue financial harm. The continued reporting of this debt contravenes the principles of fairness and accuracy mandated by the FCRA. Request for Immediate Action : Given the aforementioned legal violations and inaccuracies, I demand the immediate removal of this medical collection from my credit report. Failure to comply with this request will leave me with no alternative but to pursue further legal action to protect my rights, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and potentially initiating litigation for damages incurred due to the incorrect reporting. I have a medical collection on my credit report that I believe is illegal, and I am requesting its immediate removal. Legal Grounds : Compliance with the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 : This law requires that all information reported to credit bureaus must be accurate, verifiable, and complete. The medical collection on my report does not meet these criteria. I have not been provided with proper validation of this debt as required by law. Protections under the Health Insurance Portability and Accountability Act ( HIPAA ) : The inclusion of this medical debt may also implicate HIPAA violations if the debt collector or original medical provider disclosed my sensitive medical information improperly. Such disclosure without my explicit consent is a violation of my privacy rights. Protections under the Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 : This law regulates debt collection practices and prohibits any unfair or deceptive practices. In this case, the failure to properly verify the debt constitutes an unfair practice. Specific Issues with the Collection Account : Lack of Verification : I have repeatedly requested verification of this debt from the collection agency and have received no response. Under the FCRA, if a consumer disputes the accuracy of an item on their credit report, the credit reporting agency must investigate and correct any inaccuracies. Incorrect Reporting : The reported amount and status of the debt are inaccurate. The debt includes charges that should have been covered by insurance, as well as charges that were incorrectly billed. Such inaccuracies severely impact my creditworthiness and are unjust. Impact on Credit Score : The erroneous collection has significantly and negatively affected my credit score, causing undue financial harm. The continued reporting of this debt contravenes the principles of fairness and accuracy mandated by the FCRA. Request for Immediate Action : Given the aforementioned legal violations and inaccuracies, I demand the immediate removal of this medical collection from my credit report. Failure to comply with this request will leave me with no alternative but to pursue further legal action to protect my rights, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and potentially initiating litigation for damages incurred due to the incorrect reporting.