Consumer complaint received 2025-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
CFPB issued a final rule on consumer reporting of medical information, including medical debt. amendments to Regulation V, which implements the Fair Credit Reporting Act ( FCRA ), concerning medical information.1 On XX/XX/year>, the CFPB issued a final rule, which, among other things : Removes a regulatory exception in Regulation V that previously permitted creditors to obtain or use medical information, including medical debt information, in connection with credit eligibility determinations ; Amends existing exceptions for use of medical information related to credit eligibility determinations ; and Limits the circumstances under which consumer reporting agencies are permitted to furnish medical debt information to creditors in connection with credit eligibility determinations. 

PROHIBITION ON OBTAINING OR USING MEDICAL INFORMATION RELATED TO DEBTS, EXPENSES, ASSETS, AND COLLATERAL IN CREDIT ELIGIBILITY DETERMINATIONS UNDER CERTAIN CONDITIONS Under the final rule, medical debt information is a subset of medical information, as that term is currently defined in existing Regulation V and the FCRA. For purposes of the final rule, medical debt information is medical information that pertains to a debt a consumer owes to a person whose primary business is providing medical services, products, or devices ( i.e., a health care provider ), which also includes debt owed to a health care providers agent or assignee for the provision of such medical services, products, or devices ( i.e., medical care ). 

Covered Medical Debt Information For example, medical debt information includes the dollar amounts, repayment terms, repayment history, and the identity of health care providers to whom the outstanding debt is owed. Medical debt information includes such information related to a debt arising from the health care providers provision of medical care, INCLUDING : Medical debt information includes but is not limited to medical bills that are not past due or have been paid. It also includes medical debt originally owed to a health care provider, that has been assigned to a third-party debtcollector or debt buyer. 



When to this doctor during XXXX XXXX  of XXXX, I lost employer coverage, so I received XXXX. This doctors office failed to verify insurance prior to seeing me and then later told me they did not take XXXX after my appointment. I explained I could not pay the medical bill because I was not working due to prior XXXX leave cause by XXXX  accident and recent XXXX ; which is why I was eligible for XXXX. XXXX even informed me they would pay the bill as long as the office sent it. They office refused to send the bill to XXXX and did not offer me hardship options. As well they continued to add late payments to the bill I already couldnt pay. They have since sold the debt and medical information off to a collections agency by the name of Central portfolio control without notifying me, which has impacted my credit. I did not provide any credit or debit card information to this medical office for payment or payments in advanced. I have no billing transactions with this medical office, so this collection is also violating the NEW EXCEPTION FOR PERMITTED USE OF INFORMATION OBTAINED FROM CONSUMER- AUTHORIZED TRANSACTION HISTORY IN CREDIT ELIGIBILITY DETERMINATIONS UNDER CERTAIN CONDITIONS and I do not fall in this exception. 

LIMITATION ON FURNISHING MEDICAL DEBT INFORMATION The final rule explains the limitations on consumer reporting agencies furnishing consumer reports containing medical debt information in light of the creditor provisions in the final rule. As described above, the final rule defines medical debt information as a subset of medical information. Under the final rule, a consumer reporting agency is permitted to include medical debt information in a consumer report furnished to a creditor for credit eligibility purposes if the following criteria are met : The consumer reporting agency has reason to believe the creditor intends to use the medical debt information in a manner not prohibited by the creditor prohibition described above ; and The consumer reporting agency has reason to believe the creditor is not otherwise legally prohibited from obtaining or using the medical debt information, including by a State law that prohibits a creditor from obtaining or using medical debt information. 
( This debt does not meet this criteria and needs to be removed from my credit report because it violates the FCRA, CFPB final rule on Regulation V, and my rights as a consumer.

Company response to consumer: Closed with explanation