Consumer complaint received 2025-05-07 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:
Subject : Formal Dispute of Inaccurate Medical Account Reporting Experian Credit Bureau Dear Credit Bureau Representative and CFPB Officer, I am writing to formally inform you that XXXX XXXX XXXX has reported to XXXX XXXX XXXX  Credit Bureaus that the medical account was sold/written off. However, I did not receive a copy of the 1099-C tax form, payment agreement and a written consent with my signature provided for this company to disclose any of my information. I am disputing the continued reporting of a medical account associated with XXXX XXXX XXXX on my Experian credit report. On Monday, XXXX XXXX XXXX, at XXXX XXXX, I received an email message from Experian stating that this account will remain on my credit file and is still under investigation as reported by the data furnisher. Despite this notification, I have not received any written explanation or verification via mail as required under the Fair Credit Reporting Act ( FCRA ), nor any documentation substantiating the debt. 
This lack of transparency is deeply concerning, especially considering that the same account has been reported as " Closed '' by both XXXX XXXX XXXX. Experian 's continued reporting of this medical debt appears inconsistent and potentially inaccurate. 
Furthermore, I have not received a detailed itemization of the alleged medical debt, including services rendered, dates, and itemized charges. The failure to provide this information may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to provide verification of the debt upon request ( 15 U.S. Code 1692g ).

Additionally, if any medical information was shared with the credit reporting agency without my explicit authorization or proper redaction, this may also be a violation of the Health Insurance Portability and Accountability Act ( HIPAA ). HIPAA regulations mandate strict privacy protections for medical information, and sharing this data with credit bureaus without proper safeguards or consent is a serious breach. 
Given the discrepancies in reporting and the absence of a legally mandated debt validation, I formally request that Experian : 1. Provide written verification and full documentation of the XXXX XXXX XXXX debt. 
2. Identify the data furnisher and provide evidence of my written consent to share any medical information with Experian.

3. Immediately remove the account from my credit report if proper validation can not be produced.

4. Provide a written response acknowledging your findings and actions taken.

I believe my rights under both the FDCPA and HIPAA may have been violated. 
Thank you for your prompt attention to this matter. I expect a full and proper response within the legally required timeframe.

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