Consumer complaint received 2025-06-17 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: GA

Complaint narrative:
FOLLOW-UP DISPUTE LETTER BEFORE / PRE ARBITRATION NOTICE! 

* * Date : * * XX/XX/year> * * To : * * XXXX  / Experian * * Account Number : XXXX XXXX XXXXXXXX * * From : * * XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX -- - INADEQUATE RESPONSE TO CEASE AND DESIST DEMAND - ACCOUNT XXXX * * TO WHOM IT MAY CONCERN : * * This letter serves as my formal follow-up dispute regarding your inadequate response to my cease and desist letter dated XX/XX/year>. Your response fails to comply with federal law requirements and contains several violations that I am disputing under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

# # VIOLATIONS OF FEDERAL LAW IN YOUR RESPONSE # # # 1. FAILURE TO PROVIDE REQUIRED DEBT VALIDATION ( FDCPA 809 ) * * Legal Requirement : * * Under 15 U.S.C. 1692g ( b ), upon receiving a written dispute within 30 days, you must : - Cease collection activities until verification is provided - Obtain verification of the debt from the original creditor - Mail verification to the consumer * * Your Violation : * * You provided a promissory note and payment history but failed to provide : - Original signed contract with XXXX XXXX XXXX XXXX XXXX - Proof of assignment/sale of debt to PatientFi - Proof of assignment/funding agreement on behalf of XXXX  - Complete chain of title establishing your legal right to collect - Itemization showing how the alleged balance was calculated # # # XXXX. CONTINUED COLLECTION ACTIVITIES ( FDCPA 809 ( b ) ) * * Legal Requirement : * * 15 U.S.C. 1692g ( b ) requires cessation of collection activities during the verification period. 

* * Your Violation : * * By responding with payment documents rather than proper verification, you are attempting to continue collection activities without meeting statutory requirements. 

# # # XXXX. FAILURE TO INVESTIGATE CREDIT REPORTING DISPUTES ( FCRA 611 ) * * Legal Requirement : * * Under 15 U.S.C. 1681i, you must : - Conduct a reasonable investigation of disputed information - Review all relevant information provided by the consumer- Delete or modify inaccurate information * * Your Violation : * * You failed to address my specific dispute regarding inaccurate credit reporting and did not provide evidence of any investigation conducted.

# # # 4. ELECTRONIC SIGNATURE VIOLATIONS ( E-SIGN Act ) * * Legal Issue : * * The electronic signature on the promissory note may violate the Electronic Signatures in Global and National Commerce Act ( 15 U.S.C. 7001 et seq. ) if proper authentication and consent procedures were not followed.

* * Required Verification : * * - Proof of identity verification at time of electronic signing - Evidence of informed consent to electronic transactions - Authentication logs showing the signature process # # SPECIFIC DISPUTES AND DEMANDS # # # A. DEBT VALIDATION DEMAND Pursuant to 15 U.S.C. 1692g, I demand you provide : 1. * * Original Contract : * * Complete, signed agreement between me and XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. * * Assignment Documentation : * * Legal proof of debt assignment/sale to PatientFi XXXX. * * Payment History : * * Complete accounting from inception, including all fees, interest calculations, and payments applied 4. * * Authorization : * * Proof of your legal authority to collect this alleged debt # # # B. CREDIT REPORTING CORRECTION DEMAND Pursuant to 15 U.S.C. 1681i and 1681s-2 ( b ) : 1. * * Immediate Investigation : * * Conduct proper investigation of my credit reporting dispute 2. * * Correction or Deletion : * * Remove all inaccurate information from credit reports 3. * * Verification : * * Provide written confirmation of corrections made 4. * * Documentation : * * Provide copies of all communications with credit bureaus # # # C. CEASE AND DESIST DEMAND Pursuant to 15 U.S.C. 1692c : 1. * * Stop All Contact : * * Cease all communication except as legally required for verification 2. * * No Collection Activities : * * Halt all collection efforts until proper validation provided 3. * * Credit Reporting Suspension : * * Stop all credit reporting until dispute resolved # # LEGAL CONSEQUENCES OF NON-COMPLIANCE Your failure to comply with these federal requirements may result in : * * FDCPA Violations ( 15 U.S.C. 1692k ) : * * - Actual damages - Statutory damages up to {$1000.00}- Attorney 's fees and costs * * FCRA Violations ( 15 U.S.C. 1681n & 1681o ) : * * - Actual damages - Statutory damages $ XXXX {$1000.00} per violation - Punitive damages for willful violations - Attorney 's fees and costs * * Georgia Fair Business Practices Act ( O.C.G.A. 10-1-390 ) : * * - Treble damages- Attorney 's fees - Additional civil penalties # # REQUIRED RESPONSE You have 15 days * * from receipt of this letter to provide : 1. Complete debt validation as required by 15 U.S.C. 1692g 2. Proof of credit reporting investigation and corrections 3. Written confirmation of compliance with all demands 4. Cessation of all collection and credit reporting activities # # PRESERVATION OF RIGHTS This dispute is made without prejudice to any other rights or defenses I may have. I reserve all rights under federal and state law, including but not limited to claims under the FDCPA, FCRA, and Georgia Fair Business Practices Act.

* * NOTICE : * * This communication is from a consumer. Any information obtained will be used for debt collection purposes. I am prepared to pursue all available legal remedies for violations of federal and state consumer protection laws. 

-- - * * Sincerely, * * XXXX XXXX * * Enclosures : * * - Copy of original dispute letter dated XX/XX/year> - Copy of your inadequate response - Documentation supporting this dispute * * CERTIFICATE OF MAILING : * * I hereby certify that a true and correct copy of the foregoing was mailed, postage prepaid, to the above-named party on this XXXX day of XXXX, 2025. 

XXXX XXXX # FOLLOW-UP DISPUTE LETTER WITH XXXX VIOLATION XXXX * * Date : * * XX/XX/year> * * To : * * PatientFi * * Account Number : * * XXXX * * From : * * XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX -- - # # RE : INADEQUATE RESPONSE TO CEASE AND DESIST DEMAND - MULTIPLE FEDERAL LAW VIOLATIONS - ACCOUNT XXXX * * TO WHOM IT XXXX CONCERN : * * This letter serves as my formal follow-up dispute regarding your inadequate response to my cease and desist letter dated XX/XX/year>. Your response contains multiple violations of federal law, including XXXX privacy violations, FDCPA violations, and FCRA non-compliance that I am disputing under applicable federal statutes. 

# # CRITICAL HIPAA PRIVACY VIOLATIONS # # # XXXX. UNAUTHORIZED DISCLOSURE OF PROTECTED HEALTH INFORMATION ( PHI ) * * Legal Requirement : * * Under 45 CFR 164.502 ( a ) and 45 CFR 164.506, covered entities and business associates may not use or disclose protected health information except as permitted or required by the HIPAA Privacy Rule.

* * Your Violation : * * Your response disclosed my Protected Health Information ( PHI ) by revealing : - Medical procedure type ( plastic surgery/aesthetics ) - Healthcare provider identity ( XXXX XXXX XXXX XXXX XXXXXXXX ) - Medical service dates - Treatment-related financial information * * Legal Citation: * * 45 CFR 164.502 ( a ) - " A covered entity or business associate may not use or disclose protected health information, except as permitted or required by this subpart. '' # # # 2. LACK OF MINIMUM NECESSARY STANDARD COMPLIANCE * * Legal Requirement : * * 45 CFR 164.514 ( d ) requires that when PHI is disclosed, only the minimum necessary information should be disclosed to accomplish the intended purpose. 

* * Your Violation : * * You disclosed medical procedure details and healthcare provider information that was not necessary for debt collection purposes. The disclosure of the specific medical nature of services violates the minimum necessary standard.

# # # 3. ABSENCE OF VALID AUTHORIZATION * * Legal Requirement : * * 45 CFR 164.508 requires valid patient authorization for disclosure of PHI for purposes other than treatment, payment, or healthcare operations.

* * Your Violation : * * You failed to provide evidence of any valid HIPAA authorization permitting disclosure of my medical information for debt collection purposes.

# # FAIR DEBT COLLECTION PRACTICES ACT VIOLATIONS # # # 1. FAILURE TO PROVIDE REQUIRED DEBT VALIDATION ( FDCPA 809 ) * * Legal Requirement : * * Under 15 U.S.C. 1692g ( b ), upon receiving a written dispute within 30 days, you must : - Cease collection activities until verification is provided - Obtain verification of the debt from the original creditor - Mail verification to the consumer * * Your Violation : * * You provided a promissory note and payment history but failed to provide : - Original signed contract with XXXX XXXX XXXX XXXX XXXX - Proof of assignment/sale of debt to PatientFi with HIPAA-compliant transfer documentation - Complete chain of title establishing your legal right to collect - Itemization showing how the alleged balance was calculated - HIPAA business associate agreement authorizing your access to medical information # # # 2. CONTINUED COLLECTION ACTIVITIES ( FDCPA 809 ( b ) ) * * Legal Requirement : * * 15 U.S.C. 1692g ( b ) requires cessation of collection activities during the verification period.

* * Your Violation : * * By responding with payment documents rather than proper verification, you are attempting to continue collection activities without meeting statutory requirements.

# # # 3. DISCLOSURE OF PRIVATE INFORMATION ( FDCPA 805 ) * * Legal Requirement : * * 15 U.S.C. 1692c ( b ) restricts communications about debts to authorized parties.

* * Your Violation : * * The disclosure of medical information in debt collection correspondence may violate privacy protections under the FDCPA when combined with HIPAA violations.

# # FAIR CREDIT REPORTING ACT VIOLATIONS # # # 1. FAILURE TO INVESTIGATE CREDIT REPORTING DISPUTES ( FCRA 611 ) * * Legal Requirement : * * Under 15 U.S.C. 1681i, you must : - Conduct a reasonable investigation of disputed information - Review all relevant information provided by the consumer- Delete or modify inaccurate information * * Your Violation : * * You failed to address my specific dispute regarding inaccurate credit reporting and did not provide evidence of any investigation conducted.

# # # 2. FURNISHING INACCURATE INFORMATION ( FCRA 623 ) * * Legal Requirement : * * 15 U.S.C. 1681s-2 ( a ) prohibits furnishing information to credit reporting agencies that you know or have reasonable cause to believe is inaccurate.

* * Your Violation : * * Reporting debt information without proper verification and HIPAA-compliant documentation may constitute furnishing inaccurate information.

# # ELECTRONIC SIGNATURE AND AUTHENTICATION VIOLATIONS # # # 1. E-SIGN ACT COMPLIANCE ISSUES * * Legal Issue : * * The electronic signature on the promissory note may violate the Electronic Signatures in Global and National Commerce Act ( 15 U.S.C. 7001 et seq. ) if proper authentication and consent procedures were not followed.

* * Required Verification : * * - Proof of identity verification at time of electronic signing - Evidence of informed consent to electronic transactions - Authentication logs showing the signature process - HIPAA authorization for electronic handling of medical information # # SPECIFIC DEMANDS FOR COMPLIANCE # # # A. HIPAA COMPLIANCE DEMANDS Pursuant to 45 CFR 164.502 and 164.526 : 1. * * Immediate Cessation : * * Stop all use and disclosure of my Protected Health Information 2. * * Accounting of Disclosures : * * Provide complete accounting of all PHI disclosures made under 45 CFR 164.528 3. * * Authorization Documentation : * * Provide valid HIPAA authorization permitting your access to and disclosure of my medical information 4. * * Business Associate Agreement : * * Provide copy of HIPAA-compliant business associate agreement with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX * * Correction/Amendment : * * Correct any inaccurate PHI in your records per 45 CFR 164.526 # # # B. DEBT VALIDATION DEMAND Pursuant to 15 U.S.C. 1692g : 1. * * Original Contract : * * Complete, signed agreement between me and XXXX XXXX XXXX XXXX XXXX with HIPAA authorizations 2. * * Assignment Documentation : * * Legal proof of debt assignment/sale to PatientFi including HIPAA-compliant transfer 3. * * Payment History : * * Complete accounting from inception, including all fees, interest calculations, and payments applied 4. * * Authorization : * * Proof of your legal authority to collect this alleged debt and handle associated medical information # # # C. CREDIT REPORTING CORRECTION DEMAND Pursuant to 15 U.S.C. 1681i and 1681s-2 ( b ) : 1. * * Immediate Investigation : * * Conduct proper investigation of my credit reporting dispute 2. * * Correction or Deletion : * * Remove all inaccurate information from credit reports 3. * * Verification : * * Provide written confirmation of corrections made 4. * * Documentation : * * Provide copies of all communications with credit bureaus # # # D. CEASE AND DESIST DEMAND Pursuant to 15 U.S.C. 1692c and 45 CFR 164.502 : 1. * * Stop All Contact : * * Cease all communication except as legally required for verification 2. * * No Collection Activities : * * Halt all collection efforts until proper validation provided 3. * * PHI Protection : * * Immediately cease all use and disclosure of my Protected Health Information 4. * * Credit Reporting Suspension : * * Stop all credit reporting until dispute resolved # # LEGAL CONSEQUENCES OF NON-COMPLIANCE Your failure to comply with these federal requirements may result in : * * HIPAA Violations ( 42 U.S.C. 1320d-5 ) : * * - Civil penalties : {$100.00} to {$50000.00} per violation - Criminal penalties for knowful violations : up to {$250000.00} and 10 years imprisonment - State regulatory action and professional licensing consequences * * FDCPA Violations ( 15 U.S.C. 1692k ) : * * - Actual damages including emotional distress from privacy violations- Statutory damages up to {$1000.00}- Attorney 's fees and costs * * FCRA Violations ( 15 U.S.C. 1681n & 1681o ) : * * - Actual damages - Statutory damages $ XXXX {$1000.00} per violation - Punitive damages for willful violations - Attorney 's fees and costs * * Georgia Fair Business Practices Act ( O.C.G.A. 10-1-390 ) : * * - Treble damages - Attorney 's fees- Additional civil penalties * * State Privacy Laws : * * - Georgia Personal Identity Protection Act violations- Additional state privacy tort claims # # REQUIRED RESPONSE You have * * 30 days * * from receipt of this letter to provide : 1. Complete HIPAA compliance documentation and cessation of PHI use/disclosure 2. Complete debt validation as required by 15 U.S.C. 1692g including HIPAA-compliant documentation 3. Proof of credit reporting investigation and corrections 4. Written confirmation of compliance with all demands 5. Accounting of all PHI disclosures made to date 6. Cessation of all collection and credit reporting activities # # PRESERVATION OF RIGHTS AND NOTICE TO REGULATORY AUTHORITIES This dispute is made without prejudice to any other rights or defenses I may have. I reserve all rights under federal and state law, including but not limited to claims under HIPAA, FDCPA, FCRA, and Georgia consumer protection laws.

* * REGULATORY NOTICE : * * Copies of this complaint may be forwarded to : - U.S. Department of Health and Human Services Office for Civil Rights ( HIPAA violations ) - Consumer Financial Protection Bureau ( FDCPA/FCRA violations ) - Georgia Department of Law Consumer Protection Division - Federal Trade Commission * * NOTICE : * * This communication is from a consumer. Any information obtained will be used for debt collection purposes. I am prepared to pursue all available legal remedies for violations of federal and state consumer protection and privacy laws. 

-- - * * Sincerely, * * XXXX XXXX * * Enclosures : * * - Copy of original dispute letter dated XX/XX/year> - Copy of your inadequate response containing XXXX violations - Documentation supporting this dispute * * CERTIFICATE OF MAILING : * * I hereby certify that a true and correct copy of the foregoing was mailed, postage prepaid, to the above-named party on this XXXX day of XXXXXXXX XXXX 

_________________________ XXXX XXXX

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