Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Regarding my dispute number XXXX with Experian.Firstly, unable to provide sufficient info explaining reason for dispute due to very limited text ability when submitting dispute against a XXXX  provider placing me in collections that reflect negatively on my report for alleged unpaid medical bill that wasn't either 1. Billed incorrectly to appropriate insurance 2. Billed me after XXXX  XXXX  terminated my coverage even though at the time I was covered, but insurance decided to retro terminate coverage without my knowledge so provider billed significantly later and not at the time of service. This is according to new rules & regulations XXXX for appropriate medical billing and collections. I have provided rule codes and how they apply to what and how medical billing can not be reported on consumer credit reports. Due to my own illness I have been on XXXX and was in between private and government assistance insurance ( XXXX ) which is when I believe the error occurred. Even after providing this information to XXXX provider they refused to bill updated insurance and instead started billing me directly almost 8 to 10 months later then eventually sent it to credit bureaus even though new laws passed on Texas has a " timely billing '' law. It requires health care service providers to bill a patient no later than the first day of the XXXX month after services were provided. If the bill is not sent within the timeframe in the law, the health care service provider can not try to collect payment for certain charges ( XXXX XXXXXXXX ). Experian decided to update the collections payment reporting starting in XX/XX/year> instead of removing medical bill. They did not ask for further clarification or any other documentation, only a very limited reason for dispute which i could only use up to certain text count THIS BROUGHT SCORE DOWNEVEN MORE WHEN THEY JUST DECREASEDIT NOT MORE THAN A MONTH AGO. MY punishment fire disputing was a DECREASE in my score!! And they INCREASE AMOUNT DUE from {$2000.00} to {$2100.00}!! So it's noted twice on my report!! Please I have worked almost all my life to maintain my credit even now that I'm sick and going through hardship raising my special needs son i can't afford to have anything negatively reflecting on my account especially if it's not justified. I commit to paying all my bills but these substantial medical bills will destroy me and my son from moving forward in life. I thought that In 2025,12CFR sections 1022.3, 1022.30, and 1022.38 of this rule were amended to remove medical debts from credit reports? I just humbly request your assistance in settling my dispute that all three credit bureaus remove medical bill of {$2100.00} and {$2000.00} that now come from the same XXXX provider totaling {$4200.00} which makes no sense just because I disputed! THE PROVIDER IS " XXXX XXXX XXXX '' again Experian has now listed them twice as in two seperate companies with two seperate collections because I disputed how does this seem ethical to do to people, please help me i humbly and kindly request your attention and assistance 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