Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
3. XXXX XXXX Account Number : XXXX Report Number ( Dispute ) : XXXX Experian Ive already disputed this account and nothing was sent to me to legally verify this account and your updated information still does not show accuracy under FCRA Law. 
I dispute your claims in their entirety and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ) Specifically, Subsection B that states if a debt collector receives a timely validation request, collection efforts must cease until the debt is validated. 
Additionally, my bill does not include a detailed breakdown of any fees. 

In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) your credit reporting agency is required by federal law to verify physical records on file of the original signed account or contract from any account you post on my credit report. 

I am formally requesting to see verifiable proof of the original consumer contract with my personal signature on the record. I have listed the account below in which I am requesting said verification of. Failure to verify account records and compliance with the FCRA will damage my ability to obtain credit and impact my consumer rights. 

A BIGGER DISPUTE REASON ALSO LIES AMONGST THE PRIVACY RULE WHICH APPLIES TO ME ( XXXX XXXX XXXX XXXX ) OTHERWISE SAID TO BE ANY HEALTH CARE PROVIDER WHO CONDUCT/ TRANSMITS SPECIFIC HEALTH CARE INFORMATION IN ELECTRONIC FORM. WHICH MEANS I AM PROTECTED UNDER HIPAA LAW!

Furthermore, under the HIPAA ACT of 1996, I am allowed to protect my privacy and medical records from third parties. I DO NOT recall giving permission to XXXX XXXX, for them to release my medical information to a third-party. I understand that HIPAA does allow for limited information about me but any details may only be revealed with the patient 's authorization, therefore my request is twofold and as follows : VALIDATION OF DEBT AND HIPAA AUTHORIZATION Please provide a breakdown of fees, including any and all collection costs and medical charges Please provide a copy of my signature with the provider of service to release my medical information to you Immediately cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, of which I am entitled to under the FDCPA. 

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. To my knowledge, I never signed any authorization form to release my information. 

Furthermore, any reporting of this debt to the credit bureaus prior not allowing me to validate it may be a violation of FAIR CREDIT REPORTING ACT, which can allow me to seek damages from a collection agent. 

Lastly, this is a violation of the No Surprises Act ( NSA ), which is a federal law that protects patients from unexpected medical bills. I never received a notification about the surprise bill to begin with! 

Date Last Active, Account Status, Payment Status, Past Due Amount has inconsistencies amongst bureaus and is still inaccurate after being verified following initial investigation of dispute with Experian. 
This is a clear violation of the FCRA as this is still not accurate information reported and the reinvestigation was not completed to Federal standards.

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