Consumer complaint received 2025-05-04 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: KY

Complaint narrative:
I requested the original contract that would verify that medical services were indeed provided to me and not a family member using my information to receive medical services and having it appear on my consumer report and not theirs. I explained that medical information was also not allowed to be reported on a consumer 's report in certain situations. It also came to my attention that this same account was being reported twice and that the only difference was the account number. This is in fact a double violation that is being furnished to all three of the major consumer reporting agencies ; TransUnion, Equifax, and Experian. All three have refused to provide me with any information with my signature, and all three also refused to delete. The Final Rule that I sent to them was the following : CONSUMER FINANCIAL PROTECTION BUREAU 12 CFR Part 1022 [ XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information ( Regulation V ) AGENCY : Consumer Financial Protection Bureau . ACTION : Final rule. SUMMARY : The Consumer Financial Protection Bureau ( CFPB ) is issuing a final rule amending Regulation V, which implements the Fair Credit Reporting Act ( FCRA ), concerning medical information. The FCRA prohibits creditors from considering medical information in credit eligibility determinations. The CFPB is removing a regulatory exception that had permitted creditors to obtain and use information on medical debts notwithstanding this statutory limitation. The final rule also provides that a consumer reporting agency generally may not furnish to a creditor a consumer report containing information on medical debt that the creditor is prohibited from using. DATES : This final rule is effective [ INSERT DATE 60 DAYS AFTER DATE OF PUBLICATION IN THE FEDERAL REGISTER ]. FOR FURTHER INFORMATION CONTACT : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, at XXXX or XXXX XXXX XXXXXXXX. If you require this document in an alternative electronic format, please contact XXXX. 

SUPPLEMENTARY INFORMATION : I. Overview A. Summary of the Final Rule Information about a persons medical history and health is sacrosanct and among the most intimate and sensitive categories of data. Recognizing the uniquely sensitive nature of such information, Congress acted to limit the use and sharing of medical information in the financial system by amending the Fair Credit Reporting Act ( FCRA ) through the Fair and Accurate Credit Transactions Act of 2003 ( FACT Act ) .1 In doing so, Congress establish [ ed ] strong privacy protections for consumers sensitive medical information,2 in line with the overarching privacy protection purpose of the FCRA.3 As part of these protections, Congress generally limited a creditors ability to obtain or use a consumers medical information in connection with any determination of the consumers eligibility, or continued eligibility, for credit ( creditor prohibition ), subject to certain exceptions.4 One of these exceptions required the Federal financial banking agencies and the National Credit Union Administration ( Agencies ) to prescribe regulations that permit transactions that are determined to be necessary and appropriate to protect legitimate operational, transactional, risk, consumer, and other needs ( including administrative verification purposes ), consistent with congressional intent to restrict the use of medical information for inappropriate purposes.5 1Fair ansky ). 315 U.S.C. 1681 et seq., 1681 ( a ) ( 4 ). 415 U.S.C. 1681b ( g ) ( 2 ). 515 U.S.C. 1681b ( g ) ( 5 ). d Accurate Credit Transactions Act of 2003 ( FACT Act ), Pub. L. 108-159, 117 Stat. 1952, 1999 ( 2003 ). 2149 Cong. Rec. H8122-02, H8122 ( daily ed. Sept. 10, 2003 )

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