Medical collection accounts on a credit report

Dear Experian,

I have a customer who is trying to resolve a credit issue. I work for a bank.  The account entry says “Medical Payment Data.” He does not know how to contact these people to pay the account. Can you help me help this customer?



Dear FNB,

It is illegal for credit reports provided to lenders or other businesses to include medical information that identifies illnesses or treatments because of the privacy implications. However, medical collection accounts can be part of a credit report.

For that reason, Experian simply lists a collection account for medical debts as “medical collection” on credit reports provided to businesses.

Clearly, the consumer has a right to know the name of the company collecting a medical debt, and how to contact that company. That information is provided to the consumer on their personal credit report when they request it directly from Experian.

Your customer can get a free copy of her credit report by requesting it at http://www.annualcreditreport.com/.

If adverse action was taken, your bank must provide specific instructions for contacting the credit reporting company they used in making their decision. If adverse action is taken as a result of the information in an Experian report, she can get a free copy directly from Experian.

If you do not have that contact information available, she should visit http://www.experian.com/reportaccess/ and select “Get my report now.” If your bank’s inquiry to Experian is present in her credit history, she can complete the information for “Adverse Action” and receive a free report.

Thanks for asking.

- The “Ask Experian” team

Our policies for Ask Experian:

The information contained in Ask Experian is for educational purposes only and is not legal advice. You should consult your own attorney or seek specific advice from a legal professional regarding your particular situation. Please understand that Experian policies change over time. Posts reflect Experian policy at the time of writing. While maintained for your information, archived posts may not reflect current Experian policy. The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team will include it in a future post.