Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
These debts ( XXXX ) MUST be removed as per federal law since each of them related to the Consumer Financial Protection Bureau ( CFPB ), Regulation V, XXXX XXXX XXXX. In XX/XX/year>, the CFPB finalized a rule amending XXXX XXXX to remove a regulatory exception that allowed creditors to obtain and use medical debt information in credit eligibility determinations. This change aims to prevent medical debt from adversely affecting consumers ' credit scores. As you know, all incorrect and inaccurate information MUST be IMMEDIATELY REMOVED from my credit report. The following debts ( XXXX ) MUST be removed as per federal law since each of them related to the Consumer Financial Protection Bureau ( CFPB ), Regulation V, XXXX XXXX XXXX. In XX/XX/year>, the CFPB finalized a rule amending XXXX XXXX to remove a regulatory exception that allowed creditors to obtain and use medical debt information in credit eligibility determinations. This change aims to prevent medical debt from adversely affecting consumers ' credit scores The following tradelines are being reported as negative for medical bills and must be removed immediately or I will file a civil lawsuit against you! The charge off accounts are : Revolving Accounts : XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. The late payments are : XXXX XXXX This debt is for medical bills and must be removed immediately or I will file a civil lawsuit against you! If you ignore this request or provide an insufficient or incomplete response I will have no other choice but to contact my State Congressional Representative, who will forward this matter promptly to the State Attorney General and Federal Trade Commission for urgent attention and please know that this letter of dispute is now time stamped. In the event that you continue to list the disputed item on my credit report I will find it necessary to file a lawsuit against your company for actual damages and punitive damages under the Fair Credit Reporting Act. Because the Fair Credit Reporting Act provides concurrent jurisdiction in federal and state courts, I shall elect to use my residency county and state as jurisdiction to bring appropriate action against your company. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the Fair Credit Reporting Act. I have already filed complaints against the creditors listed above with the Attorney General in their states as well as with other pertinent and applicable law enforcement entities. I look forward to an uneventful resolution of this matter. Thank You in Advance, These debts ( XXXX ) MUST be removed as per federal law since each of them related to the Consumer Financial Protection Bureau ( CFPB ), Regulation V, XXXX XXXX XXXX. In XX/XX/year>, the CFPB finalized a rule amending XXXX XXXX to remove a regulatory exception that allowed creditors to obtain and use medical debt information in credit eligibility determinations. This change aims to prevent medical debt from adversely affecting consumers ' credit scores. As you know, all incorrect and inaccurate information MUST be IMMEDIATELY REMOVED from my credit report. The following debts ( XXXX ) MUST be removed as per federal law since each of them related to the Consumer Financial Protection Bureau ( CFPB ), Regulation V, XXXX XXXX XXXX. In XX/XX/year>, the CFPB finalized a rule amending XXXX XXXX to remove a regulatory exception that allowed creditors to obtain and use medical debt information in credit eligibility determinations. This change aims to prevent medical debt from adversely affecting consumers ' credit scores The following tradelines are being reported as negative for medical bills and must be removed immediately or I will file a civil lawsuit against you! The charge off accounts are : XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX This debt is for medical bills and must be removed immediately or I will file a civil lawsuit against you! If you ignore this request or provide an insufficient or incomplete response I will have no other choice but to contact my XXXX XXXX Representative, who will forward this matter promptly to the State Attorney General and Federal Trade Commission for urgent attention and please know that this letter of dispute is now time stamped. In the event that you continue to list the disputed item on my credit report I will find it necessary to file a lawsuit against your company for actual damages and punitive damages under the Fair Credit Reporting Act. Because the Fair Credit Reporting Act provides concurrent jurisdiction in federal and state courts, I shall elect to use my residency county and state as jurisdiction to bring appropriate action against your company. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the Fair Credit Reporting Act. I have already filed complaints against the creditors listed above with the Attorney General in their states as well as with other pertinent and applicable law enforcement entities. I look forward to an uneventful resolution of this matter. Thank You in Advance,

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