This bill proposes amendments to various titles of the Tennessee Code Annotated, specifically related to credit data. The key focus of the bill is to prohibit healthcare providers from reporting a patient’s medical debt to a consumer reporting agency, and likewise, it prohibits consumer reporting agencies from including such medical debt records on their reports. In this context, ‘medical debt’ is defined as debt accumulated due to the receipt of healthcare services and associated expenses. A ‘consumer report’ refers to any written, oral, or other form of communication that a consumer reporting agency provides about a consumer’s creditworthiness, standing, or capacity, which is used or collected to serve as a factor in establishing the consumer’s eligibility for specific purposes. In the event of violations, it permits individuals to dispute such entries as per the federal Fair Credit Reporting Act. Furthermore, any violation of this Act is considered a violation of the Tennessee Consumer Protection Act of 1977, warranting applicable penalties and remedies.