Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I am filing this complaint against Experian and XXXX XXXX XXXX ( XXXX XXXX XXXX ) for multiple violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and federal medical debt reporting guidelines. 

Inaccurate & Duplicative Reporting Experian is reporting multiple XXXX XXXX XXXX accounts tied to the same alleged original creditor, XXXX XXXX XXXX, but with conflicting balances : XXXX {$760.00} ( opened XX/XX/XXXX, last updated XX/XX/XXXX ) XXXX ( duplicate ) {$760.00} ( opened XX/XX/XXXX, last updated XX/XX/XXXX ) XXXX {$790.00} ( opened XX/XX/XXXX, last updated XX/XX/XXXX ) Reporting XXXX different balances for the same alleged medical service is materially inaccurate and misleading. This violates FCRA 1681e ( b ), which requires credit bureaus to assure maximum possible accuracy, and must be corrected by deletion under FCRA 1681i ( a ) ( 5 ) ( A ) ( unverifiable or incomplete information must be removed ). 

Failure to Validate the XXXX XXXX XXXX XXXX has not provided proper debt validation. Under FDCPA 809 ( a ) [ 15 U.S.C. 1692g ], collectors must provide written verification of the debt, including a signed agreement, proof of assignment, and itemized accounting. None has been produced. Continuing to furnish this debt without validation violates : FDCPA 807 ( 8 ) [ 15 U.S.C. 1692e ( 8 ) ] prohibits furnishing information known ( or which should be known ) to be false.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information known ( or should be known ) to be inaccurate. 

Medical Debt Rules ( Effective XX/XX/XXXX ) Because these accounts involve XXXX XXXX XXXX ( medical debt ), they are subject to the XXXX CFPB and credit bureau XXXX debt reporting reforms : Paid XXXX XXXX must be deleted. 

Medical debt under {$500.00} may not be reported at all.

Medical debt may not be reported until at least XXXX months of delinquency. 

Experians reporting of these accounts without meeting those requirements is unlawful and misleading. 

Additional FCRA Violations FCRA 1681i ( a ) ( 1 ) ( A ) requires Experian to reinvestigate disputed items within 30 days. No meaningful reinvestigation has occurred.

FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) requires Experian to disclose the method of verification when disputes are raised. This has not been provided.

FCRA 1681c ( a ) ( 4 ) & ( 5 ) prohibits outdated negative information ( generally more than XXXX years ). These accounts, opened in XXXX, are already duplicative and incorrectly extended in reporting timeframes. 

FCRA 1681n creates liability for willful noncompliance.

FCRA 1681o creates liability for negligent noncompliance. 

Requested Resolution I am demanding : Immediate and permanent deletion of all XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts from my Experian file. 

Written confirmation of deletion and disclosure of the method of verification per FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). 

XXXX that neither XXXX nor XXXX will continue reporting duplicative, unverifiable, or medically noncompliant information in violation of federal law. 

Failure to comply with the above requests constitutes ongoing willful and negligent violations of the FCRA and FDCPA and will subject both XXXX and XXXX XXXX XXXX to statutory damages, actual damages, punitive damages, and legal costs under FCRA XXXX681n, 1681o and FDCPA 813 [ 15 U.S.C. 1692k ].

Company response to consumer: Closed with explanation