Consumer complaint received 2025-11-25 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: MI

Complaint narrative:
I am filing a formal complaint against Experian and XXXX XXXX  for reporting a medical collection account that is unverified, inaccurate, incomplete, and reported without required documentation, in violation of 15 U.S.C. 1681 et seq. ( FCRA ). 

The account being disputed is : XXXX XXXX  Account No. : XXXX Amount : {$2000.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX Experian Reported On Record Until : XX/XX/year> FCRA Violations 1. Violation of 15 U.S.C. 1681e ( b ) Maximum Possible Accuracy Requirement Experian is reporting a medical debt without : Itemized billing Proof of insurance adjustments Proof I am financially responsible Evidence of a valid assignment Chain of custody of the alleged medical debt HIPAA-compliant documentation Experian can not demonstrate maximum possible accuracy, which is required by federal law.

2. Violation of 15 U.S.C. 1681i Failure to Perform a Reasonable Reinvestigation Under the FCRA, Experian must obtain original documentation, not automated or electronic furnisher confirmations. 

Experian can not verify : The origin of the debt The true DOFD ( Date of First Delinquency ) My signed authorization for treatment Any HIPAA-permitted medical disclosure This means Experian is reporting a medical debt that can not be verified, which requires deletion.

3. Violation of 15 U.S.C. 1681s-2 Furnisher Responsibility Violations Accelerated Receivables is furnishing data that is : Missing required documentation Missing verification of consumer liability Not substantiated by original records Potentially re-aged or inaccurately dated This violates 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting inaccurate or unverifiable information.

4. Medical Debt Compliance Violations CFPB 2023 Guidance CFPB requires CRAs to confirm : Patient responsibility after insurance Itemized medical billing No prohibited or unverified medical information Proof debt is legally reportable None of this was provided by Experian or Accelerated Receivables.

5. DOFD Inaccuracy ( 15 U.S.C. 1681c ) The on record until date may be inaccurate unless Experian can produce : The original delinquency date The original creditors charge-off timeline Without these documents, the reporting timeline is invalid.

Requested CFPB Resolution I am requesting the CFPB to require : 1. Immediate deletion of this unverified medical collection from my Experian credit file.

2. A formal explanation of why this account was reported without documentation.

3. Full compliance with 15 U.S.C. 1681, all subsections, and CFPB medical-debt guidance.

4. Corrective action against the furnisher for failing to meet its legal obligations.

This item is unverifiable, inaccurate, incomplete, and reported improperly. 
I request permanent deletion.

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