I had a claim for an MRI botched by insurance a couple years ago. They paid the claim but they initially declined it then paid it 6 mos later after I investigated. In the meantime, the thing went to collections and is sitting on my Experian CR. It never hit Eq, and TU took it off after I disputed it with them
I have the EOB from the insurer showing it as paid by them. The best I could get Experian to do is change the amount from $1200 to "not on record" after two written disputes. It is sitting as a 2004 paid charge off.
My question is - should I really be on the hook for this? The provider claims I let it sit too long (the reality is I was getting a lot EOB's at the time because of my family's health, I missed the fact that this was not paid - I knew I was covered). I only realized it was not paid when I was denied credit and checked my credit report.
What else can I do to fight this, would a lawyer help or is it a lost cause? I certainly don't want to have this appear on my other two credit reports.
