The Credit Bureaus From Reporting Medical Bills On Your Reports with HIPAA Laws


Health Insurance Portability and Accountability Act (HIPAA)

The Health Insurance Portability and Accountability Act (HIPAA) contains privacy rules regarding protected health information. HIPAA defines “individually identifiable health information” as data that relates to –

  • the individual’s past, present or future physical or mental health or condition,

  • the provision of health care to the individual, or

  • the past, present, or future payment for the provision of health care to the individual.

  • The privacy restrictions and penalties under the law could help you dispute an outstanding item with the collections agency. If successful, the agency might agree to delete the negative information from your file.

The HIPAA medical collections dispute process works by the threat of penalties. The regulations are very complex. It is difficult to comply with every letter of the law. The collection agency could face significant fines if they violated the law by mishandling your protected health information.

Now this is something that you can use to disputeyour own medical bill with. Also you may contact our trained professionals here at MBM to assist you.

Fair Credit Reporting Act

The Fair Credit Reporting Act (FCRA) provides for protection of health information. However, the act does not exclude the reporting of billing and payment information.

Medical bills can affect credit reports and scores – per the FCRA. A consumer-reporting agency shall not furnish a report containing medical information unless –

“The information to be furnished pertains solely to transactions, accounts, or balances relating to debts arising from the receipt of medical services, products, or devices.”

Consumer Credit Protection Act

The Consumer Credit Protection Act (CCPA) protects employees from job termination because of wage garnishment associated with any past due obligation. The act also limits the amount that collectors may garnish in any given week.

Fair Debt Collections Act

The Fair Debt Collections Act (FDCA) amends the CCPA to prohibit abusive practices by collection agencies. Section 805 paragraph B explicitly allows the communication of medical bill information on credit reports.

A debt collector may not communicate information with any other person or third party other than –