Consumer complaint received 2024-10-10 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: IL

Complaint narrative:
XXXX, Experian, and XXXX XXXX XXXX Violation of Consumer Rights Would like to file a complaint regarding the gross violations of my consumer rights committed by XXXX, XXXX, Experian, and XXXX XXXX XXXX. I believe these entities are not only failing to comply with the law, but they are also showing a blatant disregard for consumer privacy and rights, particularly regarding my supposed personal medical information. 
Despite my numerous attempts to reach out to XXXX XXXX XXXX, they have continuously refused to provide the legally required documentation. As a consumer, I am entitled to request and receive private information concerning any debt that is being reported to my credit reports, especially when it involves medical bills that are protected under the No Surprises Act and HIPAA laws. 


" I have requested the following from XXXX XXXX XXXX on multiple occasions '' XXXX. Assignment Contract : I have requested the assignment contract that establishes their claim as the original owner of the alleged medical debt. They have not provided any such documentation. 

2. Itemized Breakdown : I have requested a detailed, itemized statement explaining how the balance they claim I owe was calculated. They have failed to supply this critical information.

3. Proof of Consent : I have requested documentation proving that I gave explicit consent for XXXX XXXX XXXX to access my private, non-public medical information and report it to the credit bureaus ( XXXX, XXXX, and Experian ). Despite my requests, XXXX XXXX XXXX has failed to produce this information and instead continues to assert that their reporting has been verified without any actual substantiation. 

Despite their failure to provide the requested information, XXXX XXXX XXXX continues to report this negative and unsubstantiated information to the credit reporting agencies, further harming my credit profile. This conduct is not only unlawful but also deeply unethical. In addition, they continue to unlawfully update the reporting date each time I request information, further damaging my credit by manipulating reporting practices. 
This constitutes a major violation of my privacy rights under the No Surprises Act and the Health Insurance Portability and Accountability Act ( HIPAA ). XXXX XXXX XXXX has acted without regard for my rights as a consumer, and their actions, combined with the credit bureaus acceptance and reporting of this unverified information, are completely unacceptable. 

I demand that XXXX XXXX XXXX immediately instruct XXXX, XXXX, and Experian to remove this entry from my credit report. If this information is not promptly removed, I will have no choice but to pursue legal action against all parties involved for their failure to comply with federal law, including the Fair Credit Reporting Act ( FCRA ), HIPAA, and the No Surprises Act.

I trust the Consumer Financial Protection Bureau will take swift action to investigate and address these violations. My rights as a consumer have been repeatedly disregarded, and I am confident that your agency will ensure that corrective action is taken to remedy this situation. 

" Thank you for your prompt attention to this matter. ''

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