How can I find out what’s in my medical payment history?

Answer:

You should contact the consumer reporting agencies that specialize in medical records or payments. These agencies may supply reports on your prescription drug purchase histories, medical conditions, data from your insurance applications, and data from other sources. Life insurance companies, for example, commonly use these reports to evaluate policy applications from potential customers.

Just like with the big three consumer reporting agencies– Experian, Equifax, and TransUnion – you can get free copies of your reports every 12 months from many of the specialty consumer reporting agencies. Keep in mind that not every agency will have information on everyone, and that some consumer reporting agencies may be able to charge you a fee for your report. You have to request the reports individually from each reporting agency. We’ve put together a list of some of these specialty consumer reporting agencies, along with some information about how you can obtain copies of your reports.

A consumer reporting agency, including a specialty agency, must also give you a free copy of your consumer report upon request if you have received an “adverse action” notice.

Example: Let’s say an insurance company turns you down for a life insurance policy based on a consumer report. This is an example of an “adverse action.” The insurance company must provide you with an “adverse action” notice that includes the name and contact information of the consumer reporting agency from which the insurance company got the consumer report.

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The content on this page provides general consumer information. It is not legal advice or regulatory guidance. The CFPB updates this information periodically. This information may include links or references to third-party resources or content. We do not endorse the third-party or guarantee the accuracy of this third-party information. There may be other resources that also serve your needs.

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