@ccadkins wrote:I have a medical collection on my report assigned on 10/2011. It shows the amount due $166 and the date of service 4/21/2010. I contacted the collection agency and told them this was not correct and explained that I paid my co-pay for the visit and they insisted that I still owed for the visit. I only found out about the collection because I applied for a mortgage and saw it on my credit report from my lender. I contacted my insurance provider and they said the claim had been paid for that date of service. It didn't really affect my mortgage loan so I didn't push the problem and figured it wouldn't matter, especially if it had been paid. (In my defense, I knew NOTHING about credit scores and reports and how this whole thing works. I've have learned so much in the last month that I am kicking myself for not handling this right away.) Flash forward to about 2 months ago and I am now trying to obtain a mortgage again in a new area because of a job relocation and my lender says they can't approve me because of low scores. So I start on my path of really looking at my credit and what is wrong. This collection is still on my report. (There were other items that have also factored into the low scores and have been corrected like a problem with the previous mortgage company due to the company buy out process but all of that is fixed or in the process of being fixed so the scores are where they need to be at this point, I just want this collection removed.) I disputed the collection with all three reporting bureaus and received the notice that they verified the item and it was reported correctly. I disputed the information with the collection agency and sent proof of my explanation of benefits from my insurance company as well as a receipt for my payment to the doctor's office showing I paid my co-pay. I sent the statement from the collection agency saying I was being billed for the same date of service that my insurance and receipt show has been paid. Now the collection agency is saying I owe for a missed appointment and not the date of service that is listed on their original statement. On my credit report it lists the date of delinquency as 4/2010 but now the collection agency is saying the missed appointment that they are billing me for was 5/2010. Can they do this? Since I sent proof that I don't owe them anything at all can they now change what they are collecting for? I don't know how to get this problem resolved. I have sent all of the documentation to the collection agency, the credit bureaus and the original creditor. WHat now?
You should send a direct dispute to the CA and the Dr. Office. You can also send a dispute to the credit reporting agencies via regular snail mail, and send copies of your documents along with the dispute.
The Dr. Office will be most likely to look at this and decide that you don't owe what the CA is claiming.
It may help to call them up. They have the power to pull back the collection once they review your documents... Once the collection is pulled back, then the CRA should delete the reporting
FICO 9: 
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Fyi I think you have the right to dispute under the fair billing practices act since they are attempting to bill /collect something that you do not know about. The link to the FTC site which discusses billing errors is http://www.consumer.ftc.gov/articles/0219-fair-credit-billing If they wont discuss the billing error with you; send the original creditor A direct dispute of the charges in accordance with the fair billing act.
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Date Your Name Your Address Your City, State, Zip Code Your Account Number
Name of Creditor Billing Inquiries Address City, State, Zip Code
Dear Sir or Madam:
I am writing to dispute a billing error in the amount of $______on my account. The amount is inaccurate because (describe the problem). I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement.
Enclosed are copies of (use this sentence to describe any information you are enclosing, like sales slips or payment records) supporting my position. Please investigate this matter and correct the billing error as soon as possible.
Sincerely,
Your name
Enclosures: (List the enclosures.)
Name of Creditor Billing Inquiries Address City, State, Zip Code
Dear Sir or Madam:
I am writing to dispute a billing error in the amount of $______on my account. The amount is inaccurate because (describe the problem). I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement.
Enclosed are copies of (use this sentence to describe any information you are enclosing, like sales slips or payment records) supporting my position. Please investigate this matter and correct the billing error as soon as possible.
Sincerely,
Your name
Enclosures: (List the enclosures.)
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!