Amends TCA Title 9, Chapter 8; Title 16; Title 18; Title 20; Title 21; Title 27; Title 28; Title 29; Title 45; Title 47; Title 63 and Title 68.

Tennessee HB0539 prohibits healthcare providers from reporting a patient's medical debt to consumer reporting agencies, while allowing reporting to debt collections agencies. The bill affects consumers with medical debt and establishes that violations constitute unfair or deceptive acts under the Tennessee Consumer Protection Act of 1977, subjecting violators to penalties and allowing the attorney general to enforce compliance. Key provisions include the ability for individuals to dispute inaccuracies in their consumer reports and the stipulation that costs cannot be taxed against the attorney general in enforcement actions.