Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is a medical collection that is being reported illegally. I Have never signed a medical release form for this XXXX XXXX. This is violating my privacy and HIPAA law. Please remove from my credit report or you're opening yourself up to litigation. Experian on Notice of this. My name is XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XX/XX/year> # DISPUTE LETTER - MEDICAL COLLECTION * * Date : * * XX/XX/year> * * To : * * Experian XXXX XXXX XXXX XXXXXXXX, TX XXXX * * From : * * XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX * * RE : Formal Dispute of Medical Collection Account * * * * Account Name : * * XXXX XXXX * Account Number XXXX XXXX XXXX XXXX XXXX XXXX Date of Report : * * XX/XX/year> -- - # # DEMAND FOR IMMEDIATE REMOVAL AND INVESTIGATION Dear Experian, I am writing to formally dispute the above-referenced medical collection account appearing on my credit report. This account must be immediately removed from my credit file for the following legal violations and inaccuracies : # # # 1. POTENTIAL HIPAA VIOLATIONS - NOTICE OF VIOLATION * * Legal Authority : * * Health Insurance Portability and Accountability Act ( HIPAA ), 45 CFR 164.502 This medical collection may constitute an unlawful disclosure of protected health information ( PHI ) in violation of HIPAA regulations. Specifically : - The reporting of medical debt details may exceed permissible disclosures under 45 CFR 164.502 ( a ) - No evidence of proper patient authorization for credit reporting disclosure under 45 CFR 164.508 - Potential violation of minimum necessary standard under 45 CFR 164.502 ( b ) * * YOU ARE HEREBY PUT ON NOTICE * * that continuing to report this potentially HIPAA-violating information exposes you to liability under federal law.

# # # 2. FAIR CREDIT REPORTING ACT VIOLATIONS * * Legal Authority : * * Fair Credit Reporting Act, 15 U.S.C. 1681 - * * Accuracy Requirement ( 15 U.S.C. 1681e ( b ) ) : * * You must ensure maximum possible accuracy of reported information - * * Dispute Investigation ( 15 U.S.C. 1681i ) : * * You must conduct a reasonable investigation of this dispute within 30 days - * * Verification Requirement : * * The furnisher must verify the accuracy and completeness of this account # # # 3. FAIR DEBT COLLECTION PRACTICES ACT CONSIDERATIONS * * Legal Authority : * * Fair Debt Collection Practices Act, 15 U.S.C. 1692 - Medical debt reporting must comply with FDCPA validation requirements - No evidence of proper debt validation has been provided- Reporting may constitute unfair debt collection practice under 15 U.S.C. 1692f # # # 4. SPECIFIC GROUNDS FOR REMOVAL I dispute this account on the following specific grounds : 1. * * Lack of Verification : * * No proof of legitimate debt or proper assignment 2. * * Privacy Violations : * * Potential unauthorized disclosure of medical information 3. * * Accuracy Concerns : * * Information may be inaccurate, incomplete, or unverifiable 4. * * Improper Reporting : * * Medical collections require heightened scrutiny under federal law # # # DEMAND FOR IMMEDIATE ACTION Under the Fair Credit Reporting Act, I demand that you : 1. * * IMMEDIATELY REMOVE * * this disputed account from my credit report 2. * * CONDUCT THOROUGH INVESTIGATION * * within 30 days as required by 15 U.S.C. 1681i 3. * * VERIFY COMPLIANCE * * with all HIPAA requirements before any future reporting 4. * * PROVIDE WRITTEN CONFIRMATION * * of removal and investigation results 5. * * NOTIFY ALL PARTIES * * who received my credit report in the past 6 months of this correction # # # LEGAL NOTICE * * PRESERVATION OF RIGHTS : * * I reserve all rights under federal and state law, including but not limited to : - FCRA statutory damages up to {$1000.00} plus attorney fees ( 15 U.S.C. 1681n ) - FDCPA damages up to {$1000.00} plus attorney fees ( 15 U.S.C. 1692k ) - HIPAA violation penalties and potential private right of action - State consumer protection law violations * * DOCUMENTATION : * * Please provide copies of all documents used to verify this account, including : - Original creditor agreement - Chain of assignment documentation - HIPAA compliance verification - Proof of authorization for credit reporting # # # CONSUMER RIGHTS NOTICE Under the FCRA, I have the right to : - Dispute inaccurate information ( 15 U.S.C. 1681i ) - Receive free copy of investigation results- Add consumer statement to credit file- Sue for willful or negligent non-compliance I expect your immediate attention to this matter and full compliance with federal law. Failure to properly investigate and resolve this dispute may result in legal action to enforce my rights under federal consumer protection statutes. 

* * CERTIFICATION : * * I certify under penalty of perjury that the information in this dispute is true and accurate to the best of my knowledge. 

* * Print Name : XXXX XXXX XXXX XXXX XXXX XXXX  Date : 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