IL SB3259

Prohibits any person from using medical debt listed on a consumer credit report as a negative factor when making credit decisions.

Bans healthcare providers, collection agencies, and their agents from furnishing medical debt information to consumer reporting agencies.

Makes medical debt void and unenforceable if the creditor or their agent knowingly reports the debt to a consumer reporting agency.

Amends the Consumer Fraud and Deceptive Business Practices Act, building on existing provisions that already prohibit consumer reporting agencies from including medical debt on credit reports.

Defines medical debt as debt from healthcare services, products, or devices, excluding debt charged to general-purpose credit cards or standard loans.