https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Final-Collection-Help/m-p/5570361#M585861 Same boat. Medical collection.<BR />It's my last one and was actually covered by insurance. I have all my docs.<BR />In the end, I've had to get an attorney involved. He works on contingency,so he's not getting a dime until it's paid.<BR />Frustrating Wed, 10 Apr 2019 01:37:21 GMT Anonymous 2019-04-10T01:37:21Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Final-Collection-Help/m-p/5570332#M585859 Hello,<BR /><BR />After months of reading, I’ve been able to successfully remove inaccurate collections from my reports and teach others the tips of credit. I’ve very grateful for everything I’ve learned.<BR /><BR />Today, I received a Debt Validation letter response back from my last collection. It is for an account paid Off to another agency on behalf of the hospital for a lesser amount. At this point, I have every bill that hospital has sent through mail, and total balances physically from the office, and a follow up on the phone to make sure I took care of what I need to. This debt should not exist and has been on my report for over a year now.<BR /><BR />Collection Agency X on my file as of early 2018. Validation is a bill I paid to Collection B for a lesser amount in return for not being reported anywhere. Collection Agency B was sold this debt by Collection Agency A. Both A and B denied being the owners of the debt, and only collecting on behalf of the hospital. Hospital wrote off debt and denies having ownership or a way to directly pay.<BR /><BR />At this point that I have this and the receipts, and direct bills owed from the hospital (along with who is responsible for receiving payments), do I just send this to the CRA reporting this that it is an already paid debt? Or do I send this to Collection Agency X in hopes they’d realize they aren’t authorized to collect on it?<BR /><BR /><BR />Thanks in advance Wed, 10 Apr 2019 01:17:03 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Final-Collection-Help/m-p/5570332#M585859 Anonymous 2019-04-10T01:17:03Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Final-Collection-Help/m-p/5570361#M585861 Same boat. Medical collection.<BR />It's my last one and was actually covered by insurance. I have all my docs.<BR />In the end, I've had to get an attorney involved. He works on contingency,so he's not getting a dime until it's paid.<BR />Frustrating Wed, 10 Apr 2019 01:37:21 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Final-Collection-Help/m-p/5570361#M585861 Anonymous 2019-04-10T01:37:21Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Final-Collection-Help/m-p/5570685#M585882 <P>Send copies of the settlement to the one trying to collect currently along with a letter stating that you will be contacting the states AG if this isnt immediately removed from your CRs. It is illegal to attempt to collect anything left over from a settled for less than full balance it is actually fraudulent representation.</P> Wed, 10 Apr 2019 13:03:25 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Final-Collection-Help/m-p/5570685#M585882 gdale6 2019-04-10T13:03:25Z