Medical Bill

[dj007]

in 2007 i went to a local college school clinic for dental work.they quote a root canal work for around $900 which i started to pay every month, work was done and balance paid.After that they quote another tooth for the same treatment and price but this time i do not have the money to proceed and instead i ask the doctor (dentist student by the way) if he could just put temporary filling untill i have the money to do the work.

 

Well they started internal billing collections for $467.I called them and explained that i owed nothing because work was never done.Then a collection appears on my report.

 

I find out is a local collection office and i dispute with equfax online and send the following to the collection office :

 

 

 

My Name

My Address

 

 

 

Collection Name

Collection Address

Attention: Collection Department

 

 

Date: _________________CRRR#____________

 

Re: Acct # XXXXXXXXXX

To Whom It May Concern:

 

This letter is being sent to you in response to a Letter received from your offices. Be advised that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809.

 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that the alleged debt is valid.

 

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus (Equifax, Experian or TransUnion) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following:

 

Violation of the Fair Credit Reporting Act

 

Violation of the Fair Debt Collection Practices Act

 

Defamation of Character

 

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action..

Best Regards :

 

My Name

 

 

CREDITOR/DEBT COLLECTOR DECLARATION

 

Please provide all of the following information and submit the appropriate forms and paperwork within 30 days from the date of your receipt of this request for validation.

 

Name and Address of Alleged Creditor:______________________________________________________

 

Name on File of Alleged Debtor: _____________________________________________________________

Alleged Account #: _____________________________________________________________

 

Address on File for Alleged Debtor: ____________________________________________________________

 

Amount of alleged debt: _____________________________________________________________

 

Date that this alleged debt became payable: _____________________________________________________

 

Date of original charge off or delinquency:___________________________________________________

 

Was this debt assigned to debt collector or purchased? ____________________________________________

 

Amount paid if debt was purchased: ___________________________________________________________

 

Commission for debt collector if collection efforts are successful: ____________________________________

 

Please attach a copy of the agreement with your client that grants Collection Name the authority to collect this alleged debt.

 

Please attach a copy of any signed agreement debtor has made with debt collector, or other verifiable proof that debtor has a contractual obligation to pay debt collector.

 

Please attach a copy of any agreement that bears the signature of debtor, wherein he/she agreed to pay creditor.

 

Please attach copies of all statements while this account was open.

 

Have any insurance claims been made by any creditor regarding this account? YES NO

 

Have any judgments been obtained by any creditor regarding this account? YES NO

 

Please provide the name and address of the bonding agent for Collection Name in case legal action becomes necessary: _____________________________________________________________

 

 

 

______________________________

Authorized Signature For Creditor

 

______________________________

Date

 

You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter. Your claim cannot and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.

 

The collection was deleted from equifax which is who they been reporting and about four weeks later the collection appears in my report again and i receive the following letter along with the same copy of the bill from the dental office :

 

My Name

My Address

 

Re: Dental office

Dental office account

 

Dear Me:

Please find enclosed the requested verification of debt.

Please advise status of payment.

Sincerely,

 

Collection company name

 

Manager signature

 

THIS IS AN ATTEMP TO COLLECT A DEBT.ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE

 

Member AMERICAN COLLECTORS ASSOCIATION

 

 

I assume they failed to properly validate.

 

How should i proceed and get this off my report??I remember talking to the billing department at the dental office and explained that they were collecting on work that was never done and after she verified came back saying that they could still charme for the temporary filling and that was about $70 but still they sent it to collection for $467 and she said that at that point it was already in collection and nothing she could do.

[bonbonXO]

Is this only on Equifax?

If so send them this:

http://whychat.5u.com/ltrcraredisp.html

If not please let us know.