HIPAA FTC AND CFPB COMPLAINT

If you have opted out and deleted old addresses and checked your credit reports to see if there is any change in the reporting, and there was no response to your dispute to the CA, then you need to file a complaint with the FTC* and the CFPB against each CRA that has refused to delete and refused to properly investigate.

FILE A CFPB COMPLAINT

Print out your complaints BEFORE clicking enter.
Your complaint should list the actions you have taken,( with dates for each) i.e. filed a proper dispute on an unknown medical account,(give account # and name of CA) contacted the reporting CA with a dispute and request for validation on this unknown medical account as per instructions from ( name of CRA) re-disputed to ( CRA) with a copy of your dispute/validation letter to the CA, along with proof of the CA's receipt of the dispute. (CRA) refusal to properly investigate or properly mark the account as in dispute is a violation of the FCRA and FACTA.
Send a copy of the complaints with another dispute to each CRA.

Suggested letter (please personalize it)

I have this date filed a complaint (copy enclosed) against you for your violations of the FCRA
and numerous other Federal and State regulations
Make sure that your follow up dispute to the CRA is addressed to their compliance dept. sent CMRR and includes this phrase;
"I reserve the right to take further action including filing appropriate complaints with the OCR on HIPAA violations and the (name of your State)'s Attorney General under the penalty rules of the Omnibus Final Rule(09/23/2013) interpreting and implementing provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 (HITECH Act), ( your State) 's consumer protection agencies, the BBB and to take civil action to recover damages.
Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on “Abusive” Acts or Practices. ( Section 1031 of the Dodd-Frank Act )"

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FILE AN FTC COMPLAINT

*AN FTC COMPLAINT SHOULD BE USED ONLY WHEN YOU ARE THE VICTIM OF ID THEFT/FRAUD. EVERYONE ELSE SHOULD JUST FILE A CFPB COMPLAINT

GO TO "OTHER" ON THE FTC COMPLAINT SITE AND ENTER THE DATA MANUALLY AGAINST A CREDIT REPORTING AGENCY OR CA