Medical Collections removal

[Shinoga]

Hello,

I have been reading around regarding medical collections and I am quite confused. I saw this company reporting on my CR indicating the account updated in 03/2012. I called the hospital because I dont remember what this bill and they said it was for an ER visit in 2003. I never received a bill because they had a very old address. It is past my state's SOL and i dont think this CA should be reporting. Any help will be appreciated. I would like to get this off my CR and I have requested a statement from the hospital.

NATIONAL CREDIT SOLUTION  

3680 E I-240 SVC RD OKLAHOMA CITY, OK 73135 (800) 384-0585	Balance: $421 Date Updated: 03/28/2012 Original Amount: $421 Original Creditor: MEDICAL-ACUTE CARE SPECIALISTS INC (Medical/Health Care)	Pay Status: >In Collection< Account Type: Open Account Responsibility: Individual Account
Loan Type: COLLECTION AGENCY/ATTORNEY Date Placed for Collection: 12/10/2011 Remark: >PLACED FOR COLLECTION< Estimated month and year that this item will be removed: 09/2013

[Shinoga]

BUMP...Should i send a pre HIPPA letter?

[llecs]

Can you get the OC to give you something in writing that it was for an ER visit in 2003?

The CA is reporting that the visit was in 2006. If it was in 2003, it shouldn't be reporting.

[Shinoga]

Ok so just write them a letter asking for this information?

[llecs]

Write or call the docs office, or look for old statements from 2003.

[2NE1]

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@llecs wrote:

Can you get the OC to give you something in writing that it was for an ER visit in 2003?

The CA is reporting that the visit was in 2006. If it was in 2003, it shouldn't be reporting.

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Where does it report a date of 2006?

[Shinoga]

Yes I called the OC and they said they are sending me a statement for the service which is dated in 2003, another thing is the lady that was pulling up the statement had the wrong address on my old statement which is probably why I never received the bill.

[llecs]

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@2NE1 wrote:

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@llecs wrote:

Can you get the OC to give you something in writing that it was for an ER visit in 2003?

The CA is reporting that the visit was in 2006. If it was in 2003, it shouldn't be reporting.

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Where does it report a date of 2006?

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Because the est. date of removal shows 2013, making the DOFD in 2006.

[Shinoga]

I got the statement and it is from 2003, What do I do to get the collector off my credit report??

[llecs]

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@Shinoga wrote:

I got the statement and it is from 2003, What do I do to get the collector off my credit report??

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If it were me, I would make sure the balances matched (eliminating the possibility of a 2nd debt). If so, or close, then I'd mail in a dispute to the CRAs with a copy of your CR showing the TL, a copy of the statement from 2003, and a letter of explanation. Tell them it's too old to report. You can always use legalese from the FCRA showing they aren't allowed to report a debt from 2003.