Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX  FORMAL DISPUTE LETTER # # Medical Information Reporting & Metro 2 Format Violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXXRE : Medical Data Reporting Violations - Account # : [ YOUR EXPERIAN FILE NUMBER ] ** To Whom It May Concern : I am writing to formally dispute improper disclosure of medical information on my consumer report maintained by Experian. This dispute is filed pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and specifically addresses multiple Metro 2 Format violations as established by the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

After reviewing my Experian credit report, I have identified the following specific Metro 2 Format violations related to medical information : 1. **Improper Consumer Information Indicator ( CII ) Code Usage** : Metro 2 Format mandates the use of specific CII codes in positions 164-167 of the Base Segment for medical information. Specifically, code " HB '' must be used to indicate accounts arising from the provision of medical services, products, or devices. Your report fails to properly code these accounts. 

2. **Non-Compliant Medical Information Disclosure** : Per FCRA Section 604 ( g ) and Metro 2 Format standards, medical information must be properly masked in furnisher name fields. Your notification states that " Consumer statements included on your report at your request that contain medical information are disclosed to others, '' which directly violates Metro 2 requirements that ALL medical information should be masked with appropriate coding.

3. **Improper Special Comment Code Implementation** : Metro 2 Format requires special comment codes in positions 391-410 for medical accounts, specifically using code " CP '' ( medical collection ) for healthcare provider accounts in collection. Your report fails to properly apply these codes.

4. **Absence of Required Identity Theft Indicator** : Medical information exposed without proper Metro 2 formatting presents heightened identity theft risks. Your report lacks the required Identity Theft indicator in positions 332-346 of the J2 Segment as required by Metro 2 Format when sensitive information is present.

5. **Violation of Relationship Code Requirements** : Metro 2 Format requires specific ECOA Code designation in position 25 for medical debt, reflecting appropriate relationship attribution. Your report improperly assigns standard relationship codes to medical accounts. 

As these violations constitute significant non-compliance with industry standards and federal law, I demand the following actions : 1. Immediate removal of all improperly formatted medical information from my consumer report 2. Full implementation of proper Metro 2 Format standards for any remaining medical information, including appropriate CII codes, Special Comment Codes, and Identity Theft indicators 3. Written confirmation of these corrections within 30 days as required by the FCRA 4. Provision of a corrected consumer report after your investigation is complete

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