Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX  XXXX Experian XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Unauthorized Medical Debt Reporting & HIPAA Violation Dear Credit Bureau Representatives and Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate and unauthorized reporting of a medical debt on my credit report by the third-party company, XXXX XXXX XXXX in relation to an alleged XXXX  bill from XXXXXXXX XXXX XXXXXXXX XXXX XXXX This company is in direct violation of my rights under the Health Insurance Portability and Accountability Act ( HIPAA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Pursuant to 15 U.S. Code 1692g, I requested verification of this debt, including proof of my explicit authorization allowing XXXX XXXX to disclose my medical information to credit bureaus. Additionally, under 15 U.S. Code 1681b ( a ) ( 2 ), this third-party entity must provide documented evidence that I consented to this debt being reported on my credit file. Also, I would formally like to address the excessive unauthorized communications I have received from your company, XXXX XXXX, in violation of the Telephone Consumer Protection Act ( TCPA ), 47 U.S.C. 227. Specifically, starting on Friday, XX/XX/XXXX, I began receiving several unknown phone calls and numerous text messages from your organization regarding an alleged debt for services. These communications were made without my prior consent, in direct violation of TCPA Section 227 ( b ). After reviewing the nature and frequency of these communications, I have determined that your organization has committed 7 separate violations of the TCPA. As stipulated under 47 U.S.C. 227 ( b ) ( 3 ) ( B ), each violation is subject to a statutory penalty of {$1500.00} when conducted willfully or knowingly. This results in a total liability of {$7500.00}. Due to failure of resolving this matter has left me with no choice but to pursue legal remedies, including filing a formal complaint and seeking statutory damages through the courts. 
On XX/XX/XXXX, I mailed a certified letter to XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX requesting copies of the following documents : Proof of my signature agreeing to the disclosure of my medical information for credit reporting purposes A copy of the purchase agreement associated with the alleged debt This certified letter was received on Wednesday, XX/XX/XXXX, at XXXX XXXX. However, to date, XXXX XXXX has failed to respond to my request, which is a violation of my rights. 
As a result, I demand that this account be removed from my credit report immediately. 
Additionally, the negative and erroneous reporting of this account is severely impacting my financial standing. I am in the process of leasing a car, and due to this unauthorized debt appearing on my credit report, I have been unable to secure financing. This inaccurate reporting is causing undue hardship and must be rectified immediately. I am requesting that the credit bureaus conduct an immediate investigation and remove this account from my credit report.

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