i was sent to collections for a bill from 2009 that my insurance tells me they paid, also i have no co-pay since my hubby is active duty military. what do i do? its on my credit report now.
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If it was paid in full, you simply get the record of payment from the insurer and mail them to the provider and the collector and your problem is solved. Have you not done that?
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Let me add that you do the same on your credit report (and file a challenge) and with proof of payment in full removing it should not be hard.
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If this were me, I would write a letter to each of the 3 major credit bureaus (Experian, Equifax and Trans Union - you can get their addresses at their web respective websites). I would tell the credit bureaus what you are disputing and why. If you have proof of payment, then include a copy if you have it. Ask them to investigate and note that the item is disputed if they verify if and to take it off if it is not verified.
Depending on if the information is verified or not, I would send a second letter to whoever put the information on your report. Indicate that you are disputing the information and ask them to investigate. Include proof of payment - get it from your insurer - could be an explanation of benefits (EOB) form or anything showing payment.
Include as much details as possible - date of treatment, where and mention that your husband is active duty military and that you are not liable for any co-pay and that this is a poor way for them to treat the families of active duty personnel. Ask them to remove the item. If they fail to remove the disputed ite, see an attorney specializing in violations of the Fair Credit Reporting Act. You can recover attorney's fees under the act and damages of up to $1000 for violations.
Send the letter to the debt collector and credit bureaus via certified mail return receipt requested and keep copies to help establish your case.
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