Credit Card Center Advertiser Disclosure

Posts: 5
Registered: ‎12-05-2011
0 Kudos

Medical- Blood Work Sent me to Collections...Can I Win Dispute?

In January of 2012 I went to see my doctor who drew blood and sent it to Quest Diagnostics.  My doctor asked me to come back about a month later in which he drew more blood and had more tests done.  What he failed to tell me was that he requested a large number of blood tests in which my insurance only paid a small fraction of.  Had I known he was running so many tests and my insurance wouldn't come close to covering it I would have told him no, instead he had me believe that he was running typical tests. It is almost a year later and I find out that Quest Diagnostics has sent me to collections in the approxiamate amounts of $250 and $450 (this is the cost after my insurance paid a portion).  I am currently disputing the charge with the collection agency in which I sent this letter to:


I am disputing the above-referenced debt.  Please verify this debt as required by the Fair Debt Collection Practices Act.


I dispute this debt because it is in reference to lab work my doctor authorized without my knowledge or consent and therefore I am not responsible for the charges and do not owe the debt.


Because I am disputing this debt, you should not report it to the credit reporting agencies.  If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report.  Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.


Aside from verification of the debt, do not contact me about this debt.  The Fair Debt Collection Practices Act, 15 USC Section 1692c requires that you honor this request.  Your cooperation will be appreciated.


I fear that even after disputing it, the collections agency will still consider the debt to be valid or find some kind of loop hole to continue to ruin my credit.  Is it possible to dispute this and actually win? Has anyone ever fought a medical or lab work bill and won?




Moderator Emeritus
Posts: 32,865
Registered: ‎08-04-2007
0 Kudos

Re: Medical- Blood Work Sent me to Collections...Can I Win Dispute?

Unfortunately they are allowed to report. The FDCPA doesn't require them to delete. Your letter is a form of a DV letter which is allowed via Sect. 809 of the FDCPA (the old statute numbers were 1692). Under the law, you actually had to have sent it 30 days from the date of the initial collection notice or activity (early 2012). Once the 30 days has expired, then you can certainly send the lender but it is legally ineffective. IME, most of my CAs responded despite mailing it after the 30.


IMO, your beef isn't with the CA. It's with the doctor. He should have informed you of the tests he requested prior to going to Quest. Because he used a 3rd-party (Quest), you need to figure out what you signed prior to the blood work. I've done business with Quest and they'll have you sign an agreement prior to filling out the blood work saying that I'm responsible for paying the charges following whatever insurance pays, if any. I'd get ahold of that copy to make sure you didn't sign it. If you contact Quest they might have a copy. If they can't come up with one, then maybe you never signed an agreement. If the debt is legit, then I would either send a PFD to the CA or follow the HIPAA process via payment to Quest.

Valued Contributor
Posts: 1,065
Registered: ‎05-26-2010
0 Kudos

Re: Medical- Blood Work Sent me to Collections...Can I Win Dispute?

I would check this very carefully.  I had Quest try this scam a couple of times, although I dealt with it when I got the notice and didn't have it progress to collection.


What Quest will do is try to bill the patient at grossly inflated "list" prices insurance WILL pay for at deeply discounted negotiated rates.

BK7 Filed 8/11/2009 Discharged 11/23/2009. Purchased new home 4/11/2012
Starting Score:11/16/2009 EQ 566 11/16/2009 TU 538
Interim Score: 12/27/2012 EQ 683 09/17/2012 EX (lender) 670 1/01/2013 TU 701
Current Score: 11/06/2013 EQ 708 11/06/2013 EX 702 11/16/2013 702 11/06/2013 TU 729
Goal Score: EQ 740 EX 740 TU 740
Take the FICO Fitness Challenge
New Contributor
Posts: 94
Registered: ‎10-10-2012
0 Kudos

Re: Medical- Blood Work Sent me to Collections...Can I Win Dispute?

Please take a look at this thread. Hopefully this helps.



Starting Scores: 9/19/2012 EQ 613 / TU 526 / EX 543
Current Scores: EQ 716 TU 724 EX 724 Goal Scores: 700

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.