In this section, “medical debt” means debt owed by a consumer to: A person whose primary business is providing medical services, products, or devices; or The person’s agent or assignee for the provision of medical services, products, or devices. “Medical debt” includes medical bills that: Are not past due; or Have already been paid. “Medical debt” does not include debt charged to a credit card unless the credit card is issued under an open–end or closed–end credit plan offered solely for the payment of health care services. A consumer reporting agency may not: Make, create, or furnish any consumer report containing, incorporating, or reflecting: Any adverse information that the consumer reporting agency knows or should know relates to medical debt incurred by the consumer; or Any collection action against a consumer to collect medical debt; or Maintain in a file on a consumer any information relating to: Medical debt incurred by the consumer; or Any collection action against the consumer to collect medical debt. The prohibitions established under paragraph (1) of this subsection apply regardless of when medical debt was incurred by a consumer. A person may not use medical debt information included in a consumer report to make a determination regarding the creditworthiness of the consumer.