Consumer complaint received 2025-02-07 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: FL

Complaint narrative:
This complaint is being filed due to multiple egregious violations of federal law by XXXX XXXX XXXX XXXX XXXX, as well as Experian, Equifax, and TransUnion for their fraudulent, illegal, and deceptive actions in reporting and failing to remove a medically invalid collection account that was covered in full by my insurance through the VA, as I am a veteran. 

This constitutes fraud, willful misrepresentation, and violations of FCRA, FDCPA, and CFPB guidelines. 

Violations & Demand for Immediate Action Fraudulent Reporting of Medical Debt Covered by Insurance ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) This account was fully covered by my VA insurance, meaning there was no valid debt to be collected or reported.

XXXX XXXX XXXX XXXX XXXX fraudulently reported an invalid debt, knowing it was not legally owed, constituting a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( furnishing inaccurate information ). 
Unlawful Reporting of Medical Debt Violation of CFPB Regulations The CFPB has ruled that medical debts should NOT be included on consumer credit reports, and yet this illegal account is still being reported. 
This is a clear violation of 15 U.S.C. 1681c ( a ) ( 7 ) and the CFPBs 2022 and 2023 guidance on medical debt reporting.

False & Misleading Representation FDCPA Violation ( 15 U.S.C. 1692e ( 8 ) ) XXXX XXXX XXXX XXXX XXXX falsely represented the nature of this debt by attempting to collect on a debt that does not exist. 
This constitutes intentional fraud and deceptive collection practices under 15 U.S.C. 1692e ( 8 ).

Failure to XXXX the Account as Disputed ( 15 U.S.C. 1681s-2 ( a ) ( 3 ) ) I mailed my dispute over 30 days ago, yet Experian, Equifax, and TransUnion have FAILED to mark this account as disputed, which is a clear violation of 15 U.S.C. 1681s-2 ( a ) ( 3 ). 
This is willful noncompliance, and under 15 U.S.C. 1681n, I am entitled to {$1000.00} in statutory damages for each willful violation. 
Failure to Investigate ( 15 U.S.C. 1681i ) The credit bureaus were required to investigate this dispute within 30 days, yet they failed to remove an unverifiable and illegal medical debt.

This is a blatant violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Unlawful Attempt to Collect an Invalid Debt ( 15 U.S.C. 1692f ) The reported balance of {$1200.00} is an illegal collection attempt on a debt that was covered by the VA.

Any attempt to collect, report, or leverage this debt constitutes an unfair and unconscionable means of collection, violating 15 U.S.C. 1692f.

Furnishing Information Without Proper Verification ( 15 U.S.C. 1681s-2 ( b ) ) XXXX, XXXX XXXX XXXX failed to verify this debt before reporting it, in violation of 15 U.S.C. 1681s-2 ( b ).

Since this account was covered by my VA insurance, it should have never been furnished to the credit agencies.

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