Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
UNITED STATES DISTRICT NOTICE SUPPORTING LEGAL BRIEF UNDER SENATE BILL 5480 ( 2025 ) & CFPB REGULATION V ( 12 CFR PART 1022 ) CONSUMER PROTECTION ENFORCEMENT FILING Complainant : XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Respondents : Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX Subject : Mandatory Removal of XXXX  XXXX  Card Account ( ending in XXXX ) Under XXXX XXXX XXXX ( XXXX ), CFPB Regulation V, and HIPAA Violations BACKGROUND Pursuant to Senate Bill 5480 ( effective XX/XX/XXXX ), and Regulation V ( 12 CFR Part 1022 ) under the Consumer Financial Protection Bureau ( CFPB ), I, XXXX XXXX. XXXX, file this formal complaint and demand immediate action for the unlawful reporting of my XXXX credit card account ( ending in XXXX ) by Experian, Equifax, and XXXX. Despite my numerous efforts to resolve this issue over the past year, including extensive communication and dispute filings, these entities continue to unlawfully report and maintain this account on my credit report. 

This credit account was used exclusively for medical purposesan expense related to urgent healthcare needsand thus, by law, falls under protections afforded by HIPAA and should not be publicly reported. 

LEGAL GROUNDS FOR REMOVAL XXXX. Violation of Senate Bill 5480 ( 2025 ) and CFPB Regulation V ( 12 CFR Part 1022 ) Under Senate Bill 5480 and Regulation V, any tradeline that is disputed, inaccurate, or unverifiable must be permanently deleted upon consumer notice. The XXXX credit card account is being inaccurately reported and does not meet the standards set for inclusion in my credit file. The reporting of this account, after repeated disputes, constitutes an unlawful retention of unverifiable and inaccurate data. 
XXXX. Medical Use Exception & HIPAA Violations The XXXX credit card account in question was used for medical-related expenses, which constitutes private financial information related to healthcare. Reporting this data without the XXXX XXXX consent is a direct violation of XXXX regulations, which protect the privacy of medical information. 
No authorization was given to disclose or report this credit card usage to credit reporting agencies. 
The continued public reporting of this account without my consent is a violation of my right to medical privacy. 
3. Extortionate and Deceptive Business Practices The persistence of this account on my credit report, despite being linked to medical expenses, is not only illegal but also unethical. This behavior constitutes : Extortion under 18 U.S.C. 894 Wire Fraud under 18 U.S.C. 1343 Conspiracy to Defraud under 18 U.S.C. 371 False Statements under 18 U.S.C. 1001 Consumer Fraud under 15 U.S.C. 45 ( FTC Act ) Fair Credit Reporting Act violations, including 604 ( a ), 611 ( a ), and 623 ( b ) The conduct of XXXX, Equifax, and Experian is damaging to my creditworthiness and exposes them to both civil penalties and potential criminal liability under federal law. 



DEMAND FOR RELIEF I hereby demand the following actions within ten ( 10 ) calendar days from the receipt of this notice : 1. Immediate and permanent deletion of the XXXX credit card account ( ending in XXXX ) from my credit reports across all major credit bureaus ( Experian, Equifax, and XXXX ). 
XXXX. Written confirmation from all involved entities ( XXXX, Experian, and Equifax ) that this account has been fully removed from my credit file and no longer reported to any credit reporting agency. 
XXXX. Full investigation into the failure of the above-mentioned entities to properly handle and investigate the medical-related nature of this debt, as well as their failure to comply with applicable privacy laws. 

Failure to comply with these demands will result in legal action, including but not limited to filing a formal CFPB complaint, filing for statutory damages, and seeking injunctive relief under relevant federal statutes, including the Fair Credit Reporting Act ( FCRA ), Senate Bill 5480, and the Health Insurance Portability and Accountability Act ( HIPAA ).

CERTIFICATION AND ACKNOWLEDGEMENT By filing this complaint and serving notice to the Respondents, I certify that the information presented is accurate to the best of my knowledge, and I demand that all actions are taken in strict compliance with federal consumer protection laws. Failure to address these issues within the specified timeframe will compel me to escalate this matter through legal and regulatory channels. 

Signed, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, 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