Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DISPUTE OF INACCURATE REPORTING UNDER FCRA & MEDICAL DEBT REGULATIONS RE : XXXX XXXX XXXX XXXX Account Number : [ XXXX ] E-OSCAR COMPLIANT FORMAT METRO 2 CODE REFERENCE REQUESTED To Whom It May Concern, I am writing to formally dispute inaccurate and prohibited information currently being reported by XXXX XXXX XXXX XXXX on my XXXX  consumer credit report. 
Summary of Disputed Information Creditor Name : XXXX XXXX XXXX XXXX Account Type : Revolving ( Credit Card ) Reported Limit : {$25000.00} Reported Balance : {$27000.00} Payment History : 7 missed/late payments Status : Past Due / Charged Off ( per report ) Legal Dispute Grounds 1. Violationof15U.S.C.1681s-2 ( a ) ( 1 ) ( A ) Furnishinginformationknowntobe inaccurate 2. Violationof15U.S.C.1681i ( a ) ( 1 ) ( A ) Failuretoproperlyreinvestigatedisputed information 3. ViolationofAdministrativeMedicalDebtReportingChanges ( EffectiveXXXX XXXXXXXX ) Reporting of medical-related debt, which has since been barred from credit reports 4. HIPAAviolationpotentialIndirectdisclosureofprotectedhealthinformation through credit reporting 5. Violationof15U.S.C.1681c ( a ) ( 6 ) & CFPBBulletinXXXXMedicaldebtinany form may no longer be reported or factored into credit scores Basis of Dispute The alleged account balance of {$27000.00} was incurred exclusively for medical-related expenses, and as such, must be permanently removed from my consumer file under the latest federal rules issued by the CFPB and FTC regarding medical debt reporting. 
Additionally, XXXX XXXX is reporting 7 missed payments, which is factually inaccurate and unsupported. I never received verification, nor was I given notice or due process prior to negative reporting, violating the FDCPA, FCRA, and Metro 2 compliance standards for accurate data reporting.

Demand for Method of Verification Required Under FCRA As required by 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) and Metro 2 Data Furnishing Guidelines, I request a complete method of verification, including : 1. NameandtitleoftheindividualatXXXXyoucontacted 2. Timeanddateoftheverificationrequest 3. Method of verification used ( phone, E-Oscar, manual, etc. ) 4. Call logs, notes, and recordings documenting the reinvestigation 5. A copy of the original signed agreement or contract supporting the alleged balance 6. Acopyofanybillingstatementsshowingitemizedcharges 7. Anofficialstatementfromthefurnisheraffirmingthedebtisnotmedicalinnature 8. Metro2codeusedtoreporttheitem ( i.e., AccountStatusCode, PaymentRating, Compliance Condition Code ) Violation of Metro 2 & Data Accuracy Standards The reported balance exceeds the credit limit, which is inconsistent with Metro 2 guidelines for revolving accounts. Reporting a {$27000.00} balance on a {$25000.00} credit limit contradicts account formatting rules, flags risk model issues, and constitutes misreporting under FCRA 1681i ( a ).

Privacy and Medical Debt Restrictions All items relating to medical debt, services, or procedures are prohibited from being furnished or used in any consumer credit report per : CFPB Bulletin XXXX FTC Enforcement Guidance Credit Reporting Agencies public commitment to remove all paid or unpaid medical debts under {$500.00} and all medical collection accounts after XX/XX/XXXX This item must be deleted in full to avoid further legal and regulatory action.

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