Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This letter serves as my final dispute and demand for immediate deletion of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX account that is being reported on my credit file under the Fair Credit Reporting Act ( FCRA ) and related federal laws. 

I have previously disputed this account and demanded verifiable proof, including a signed contract or written authorization bearing my signature, a copy of the 1099-C Cancellation IRS tax form, and a copy of the payment agreement that legally permits XXXX XXXX XXXX XXXX XXXX XXXX XXXX to report this account to the credit bureaus or to collect on it. To date, no such documentation has been provided by your company or the credit bureaus. 

This account is related to XXXX services, which makes the disclosure and reporting of this account a direct violation of my rights under the Health Insurance Portability and Accountability Act ( HIPAA ), since no signed HIPAA authorization form was provided by your company granting permission to report this account or to disclose any of my protected health information ( PHI ). 

Furthermore, XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not licensed or bonded to collect debts in the State of North Carolina, which is a requirement for debt collectors operating in this state under N.C. General Statutes and North Carolina Department of Insurance regulations. XXXX XXXX XXXX ( XXXX ID XXXX ), is not licensed to collect debt in North Carolina, making their credit reporting activity unlawful under N.C. Gen. Stat. 75-1.1.

Due to several reasons stated above, this account must be immediately deleted from XXXX Experian, and XXXX  credit reports, cease all further collection efforts related to this account, and provide written confirmation of deletion within 15 days of receipt of this letter.

Failure to comply with this request may result in me pursuing legal remedies under the FCRA ( 15 U.S.C. 1681 et seq. ), HIPAA Privacy Rules, and North Carolina debt collection laws.

This letter also serves as notice that any continued reporting or collection on this account without proper validation, licensure, and HIPAA authorization may result in complaints to the Consumer Financial Protection Bureau ( CFPB ), North Carolina Attorney Generals Office, and the U.S. Department of Health and Human Services ( HHS ). 

As required under the FCRA, you must reinvestigate this dispute, block this account from appearing on my credit reports if the furnisher fails to provide lawful verification, and provide me written results of your reinvestigation. 

I hereby request that this account be fully deleted from my credit file across all agencies and that XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX immediately terminate all reporting and collection activities on this account.

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