05-28-2008 04:26 PM
05-28-2008 04:29 PM
05-28-2008 05:30 PM
05-28-2008 07:03 PM
stef37 wrote:Is this for the same dentist? It may just be from your file from then. It happens when you start requesting documents from the OC.
05-29-2008 06:03 AM
05-29-2008 08:07 PM
This is interesting.
Went to the dentist in 2003 and had work done. Insurance paid the claim and all was well.
Collection agency sends me a bill for work they claim I had done in 2005. I paid the collection agency under advice from my banker. I don't think I had work done there in 2005, but they claim that I did. Therefore, I disputed and asked for validation.
Their valdation was a billing statement and my medical sign in sheet which is signed and dated by me for 2003.
What is the collection agency doing with my 2003 paper work? Is that, in and of itself, a violation for them to have medical paper work from an account that was paid in full by the insurance company?Same OC or not, if the bill the CA is trying to collect for supposedly occurred in 2005 and the insurance paid the 2003 bill in full, the CA has NO reason to have your information from 2003. HIPAA allows med providers to release minimally necessary information in order to collect a debt. I can't think of any reason your 2003 sign in sheet would be needed to collect a 2005 debt.I'd call the OC and ask about the 2005 visit. Get as much information as you can regarding it, was it filed with insurance, if so, what insurance? Did insurance pay? What were you seen for?I'd then ask about the 2003 bill. Did insurance pay it? Was there a balance due on it?Then I'd call my insurance and get a copy of the claim from 2003 and anything they may have regarding the alleged 2005 visit.I'd get all the information I could and then decide how to proceed.
And also, I have yet to receive validation on the 2005 debt that I have asked for, other than a billing statement generated by them.
05-30-2008 05:47 AM
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.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com 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.