Collections reporting wrong balance

[mamaoftwins]

My husband has a medical bill in collections that was for $800. Last year I got on a  payment plan and paid it down to $450, then my husband lost his job and I was unable to make any more payments past June/July of 2013. Since joining MyFico I have decided to do a PFD letter for the remaining portion to get it removed from his credit report.  After checking ALL 3 of his CR, I notice that they all list current balance at $800. Is this the kind of incorrect information that allows me to dispute it off the report?

[gdale6]

You could challenge it for that reason as its reporting in error.

[guiness56]

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@mamaoftwins wrote:

My husband has a medical bill in collections that was for $800. Last year I got on a  payment plan and paid it down to $450, then my husband lost his job and I was unable to make any more payments past June/July of 2013. Since joining MyFico I have decided to do a PFD letter for the remaining portion to get it removed from his credit report.  After checking ALL 3 of his CR, I notice that they all list current balance at $800. Is this the kind of incorrect information that allows me to dispute it off the report?

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The CA was supposed to notify the CRAs of any adjustments in balance due to payments.  If they haven't done that they would only need to update the balance but I don't think it will be removed.

There are some CAs that will not report the balance until paid off which is a violation of the FCRA for not reporting accurately.