Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX IA XXXX CC : Experian XXXX XXXX XXXX XXXX, TX XXXX RE : MULTIPLE FCRA VIOLATIONS IN EXPERIAN CONSUMER REPORT ( MEDICAL INFORMATION DISCLOSURE ) To Whom It May Concern : I am writing to file a formal complaint against Experian regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) in my consumer report. After reviewing the disclosure pages in my Experian report dated XX/XX/year>, I have identified several serious violations that compromise my privacy rights and demonstrate non-compliance with Metro 2 Format requirements. 
VIOLATION # 1 : IMPROPER MEDICAL INFORMATION DISCLOSURE Experians report contains the following statement : Although we do not generally collect such information, it could appear in the name of a data furnisher ( i.e., XXXX XXXX  ) that reports your payment history to us. If so, those names display on your report, but on reports to others they display only as MEDICAL PAYMENT DATA. 
This practice violates : Section 604 ( g ) of the FCRA which strictly limits the disclosure of medical information CFPBs recent amendments to Regulation V regarding medical information protection Metro 2 Format requirements for standardized data reporting across all users By displaying medical provider names directly on my report while masking them as MEDICAL PAYMENT DATA to others, Experian is : 1. Creating an inconsistent reporting standard 2. Potentially revealing sensitive medical information without proper authorization 3. Violating the CFPBs prohibition on furnishing medical debt information that creditors are prohibited from using VIOLATION # 2 : UNAUTHORIZED DISCLOSURE OF MEDICAL INFORMATION The report states : Consumer statements included on your report at your request that contain medical information are disclosed to others. 
This violates : Section 604 ( g ) ( 1 ) of the FCRA which requires specific written consent for medical information disclosure The requirement that such consent must be descriptive of the specific use for which the information is being disclosed Metro 2 Format compliance standards for proper handling of sensitive information VIOLATION # 3 : IMPROPER PUBLIC RECORDS HANDLING & DISPUTE REDIRECTION The report states : If your report contains public records, the Public Records section includes items from courts that Experian may have obtained through a third party vendor, XXXX XXXX XXXX XXXX XXXX. 
This practice violates : Section 607 ( b ) of the FCRA requiring CRAs to follow reasonable procedures to assure maximum possible accuracy Section 611 requirements for proper dispute investigation procedures Metro 2 Format standards for data accuracy and direct verification By outsourcing public records collection to a third party and then directing consumers to contact that third party directly for disputes, Experian is improperly attempting to shift its legal responsibility for ensuring accurate reporting and properly investigating disputes. 
VIOLATION # 4 : INCONSISTENT DISCLOSURE PRACTICES The reporting of medical information one way to the consumer and another way to third parties violates : Section 603 ( d ) ( 3 ) of the FCRA requiring accuracy and consistency in information furnished to third parties Metro 2 Format compliance requirements for standardized reporting The CFPBs guidance on data integrity in consumer reporting VIOLATION # 5 : INADEQUATE CONSUMER RIGHTS NOTIFICATION While the report contains a generic Know your rights section, it fails to provide specific, actionable information related to the dispute procedures for the particular types of information contained in my report, including : Specific instructions for disputing medical information disclosures Clear guidance on my rights regarding the proper handling of medical information Detailed procedures for verifying public records information obtained through third parties REQUESTED REMEDIES Under the authority of the CFPB to enforce the FCRA, I request the following remedies : 1. Removal of all information that could disclose my medical history or treatment, including medical provider names 2. Implementation of consistent reporting practices that do not reveal medical information to me while concealing it from others 3. Direct verification of all public records information rather than reliance on third-party vendors 4. Specific, detailed dispute procedures for each category of information in my report 5. Statutory damages of {$1000.00} per violation as provided under Section 616 of the FCRA for willful noncompliance 6. An investigation into Experians broader compliance with the recent CFPB amendments to Regulation V concerning medical information

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