Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
On XX/XX/XXXX, I received an email alert stating that a derogatory item had been added to my credit report.Dropping my score. When I checked, I discovered a {$5400.00} collection account from XXXX XXXX XXXX XXXX XXXX, allegedly related to services from XXXX XXXX XXXX on XX/XX/XXXX. 

I was never contacted, billed, or informed by either XXXX XXXX XXXX or XXXX XXXX XXXX. I had active insurance at the time of treatment. I was not the responsible party for payment. This was a mental health-related admission, and any alleged consent to financial liability would have occurred under clinical duress. I dispute the legality of any such agreement. 

The reporting of this debt violates multiple federal protections : FCRA ( 15 U.S.C. 1681i ) : Failure to verify accuracy and provide notice prior to reporting FDCPA ( 15 U.S.C. 1692g ) : No proper validation, notice, or opportunity to dispute HIPAA ( 45 CFR 164.508 ) : Unauthorized disclosure of mental health billing data to a third-party debt collector without written, specific authorization I initiated a dispute via Experians online system. The item was not removed, and no proof was supplied. I am concerned this collection agency will respond to this CFPB complaint with a generic, unsigned or signature-only document, which is not sufficient proof of debt, itemization, or legal responsibility under federal law.

I request that this collection be fully removed, not simply verified, Full itemized billing is provided Legal responsibility is shown with insurance denial + parental responsibility verified HIPAA-compliant authorization is documented As allowed under FCRA and CFPB guidance, I decline to provide phone number, ID, or mailing address due to safety and privacy concerns. You may contact me only via the CFPB complaint portal. However, for good faith, I am only providing a contact email : XXXX. 

Please escalate this complaint, and do not allow it to be closed by submission of vague, unverified documents. This is causing severe emotional and financial harm. I am requesting urgent action and oversight. The companys response is insufficient and unacceptable. They failed to provide any itemized bill, insurance denial documentation, or HIPAA-compliant authorization to disclose mental health billing to a third-party collection agency.

A document with a name or signature is not legal proof of debt, especially for mental health services rendered during a period of clinical duress. They must provide : A full itemized bill including XXXX codes and dates of service Proof of insurance billing and denial Written HIPAA authorization from me allowing third-party disclosure Legal verification of debt collection licensing in both Mississippi and Nevada Proof that the alleged name on the account is me, verified by full legal name, DOB, and last 4 of SSN Under FCRA 15 U.S.C. 1681i, the credit bureau must delete any item that can not be fully verified. Under HIPAA 45 CFR 164.508, disclosure of mental health billing without written consent is illegal. Under FDCPA 15 U.S.C. 1692g, I am entitled to a full and verified validation of debt.

I request this case be reopened and that the derogatory account be permanently deleted from my credit file due to lack of legal, medical, and regulatory compliance.

Permanent deletion of the {$5400.00} collection from my Experian ( and all other ) credit reports. 

This must not remain on file unless the company provides : A full HIPAA-compliant written authorization from me allowing mental health billing to be disclosed to a third-party collector A full, itemized medical bill showing services rendered, insurance billing/denial, and balance owed Proof I am legally the responsible party, including verification of my full legal name, DOB, and last 4 digits of SSN Verification that the collection agency is licensed to collect in both Mississippi and Nevada No vague signature match documents or unsigned PDFs should be accepted. If these can not be provided, the item must be deleted immediately under FCRA, HIPAA, and FDCPA.

I am requesting immediate removal of this unverifiable, misattributed medical collection account. A human reviewer must respond not a generic system redirect to Experians online dispute portal, which has failed to investigate accurately in the past.

Experian must not bypass CFPB oversight by referring this complaint back to its automated dispute system. I am formally invoking my right to a manual investigation under the Fair Credit Reporting Act ( FCRA ) 611, and I expect a full, itemized, and legally compliant response from both Experian and the furnisher ( XXXX XXXX XXXX ). 

Experian is required to investigate disputes with reasonable procedures ( 15 U.S. Code 1681i ) and must not rely solely on automated e-Oscar confirmations. Failure to provide real documentation and human analysis of this issue is a violation of federal law.

I request : A manual, written response with the outcome of this dispute and a full explanation. 
Itemized billing and legal proof of responsibility from the furnisher. 
Proof that this collector is licensed to collect from Mississippi. 
Immediate deletion of this collection from my credit file if not fully verified.

This complaint may also be escalated to HHS for HIPAA violations and to the FTC for violations of FCRA and FDCPA if not resolved properly.

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