The FCRA specifically excludes a credit report from providing the name of a medical provider who has furnished information to a CRA unless the name is restricted or reported using codes that do not identity, or provide information sufficient to infer, the specific provider or the nature of services they provided (with the sole exception of providing a credit report to a medical insurance company). See FCRA 605(a)(6).
Perinatal and newborn clearly identify the name as a provider of those types of medical services, and thus should be excluded in some manner to restrict disclosure of the nature of the medical care. The debt collector should have done that in their reporting, and/or the CRA should have done so in their credit reports.
Best way is for the furnisher to block out the nature of the services, and not rely upon the CRA to review all credit reports and make a determianation as to blocking any name that might identify medical nature of services.
You can certainly file a complaint regarding their lack of compliance with section 605(a)(6), such as to the CRA or the CFPB.
That would notify the debt collector that their reporting should somehow restrict such information, such as is conventionally done by use of asterisks.
They cannot undo lack of past compliance, as toothpaste is out of the provervial tube. If you feel they intentionally violated section 605(a)(6), I suppose you could bring civil action.
However, deletion of their entire collection as a punishment for any such violation is not a requirement of the statute.
