mrscaborobo

I appreciate the help with all of this guys. Just wanted to give an update, I am still fighting this. I have requested verification of this debt from Equifax in May. They verified again. I have contacted the collection agency a few more times, and even contacted the hospital again. They faxed me copies of the bill and said I have a zero balance and that the collection agency should have stopped collection activity in March. I am at a stand still with this issue and don't know what else to do. I have even contacted a couple lawyers and they just say this will cost me more then it is worth. Thanks for all the help so far guys!

They are still reporting the same balance as before.

Yes, the hospital turned it over. The reply from the BBB is as follows: Consumer's Original Complaint : I have received a copy of a bill from this company for services in a hospital that I have never received. I have a copy from the hospital. I have a copy of all services rendered from the hospital in question, I also have been provided a copy of a bill from First Source with a list of services that I did not receive. This bill is addressed from the hospital itself, which even shows what my insurance paid on. Yet the two items both "from" the hospital do not match. I know for a fact what was done testing wise at the hospital and the bill does not match that. Consumer's Desired Resolution: Removal of the collection from the 3 major credit bureaus. BBB Processing 03/01/2012 web BBB Complaint Received by BBB 03/02/2012 BB BBB Complaint Reviewed by BBB Operator 03/02/2012 Otto EMAIL C1 - Send Acknowledgement to Consumer - Non-Mbr 03/02/2012 Otto MAIL B1 - Inform Business of Complaint - Non-Mbr 03/19/2012 OttO BBB No response to first notice to business 03/19/2012 OttO MAIL B2 - Second Notice to Business -Non Mbr 04/03/2012 OttO BBB Sending Case to Initial Mediation Decision 04/03/2012 OttO BBB Waiting Initial Mediation decision 04/04/2012 SNH BBB RECEIVE BUSINESS RESPONSE : A thorough review of account number xxxxxxxxx indicates charges were correct and consistent with services provided with the exception of one charge which was for a lumbar puncture. This charge was removed from the account. As a result, we will re-submit a claim for services to your health insurance company (Blue Cross). Any patient liability will appear after this processing. These results were given to the pt by letter sent to her on 03/12/12.(LIES never received letter) If questions/concerns, pls contact Jessica Williams, OFI Specialist SSM Patient Business Services 1145 Corporate Lake Drive St Louis, MO 63132 314-989-6157. Thank you. 04/05/2012 SNH BBB RECEIVE BUSINESS RESPONSE : Additional information regarding this concern: This account was removed from collection activity. The Customer was informed by the letter containing full results. Again, pls contact Jessica Williams at SSM Health Care Patient Business Services if questions. 314-989-6157 04/06/2012 SNH EMAIL C3A-Forward Business response to Consumer 04/06/2012 WEB BBB RECEIVED CONSUMER REBUTTAL : (The consumer indicated he/she DID NOT accept the response from the business.) The account was removed from the reports, and is now reporting again. 04/06/2012 SNH MAIL B5 -Forward Consumer Rebuttal to Business

This is how it is reporting on EQ Agency Address: 7650 Magna Dr Belleville, IL 622233366 (618) 235-4700 Date Reported: 03/2012 Date Assigned: 01/2011 Creditor Classification: Medical/Health Care Creditor Name: SSM ST CLARE HEALTH CENTER RE Account Number: XXXXXXX Account Owner: Individual Account. Original Amount Owned: $812 Date of 1 st Delinquency: 07/2010 Balance Date: 03/2012 Balance Owned: $812 Last Payment Date: N/A Status Date: 03/2012 Status: D - Unpaid Comments: Consumer disputes this account information, Medical

Hello all, I had a medical collection show up on my credit report last year for a hospital bill. The bill was covered by my insurance, but I still received a collection notice from First Source for $812. After requesting verification on the debt, I was sent a copy of a bill with what they said was the procedures I had performed. This bill did not match the medical records I received from the hospital. After comparing the two, I see that they billed my insurance for procedures that I did not have performed. After my insurance paid for more than what I had done, they then billed me for an additional $812. I contacted both the hospital and the collection agency (I also CC the states attorney, and the BBB) with what was going on. I finally got a response a month and a half later from the BBB saying they were removing this from my reports. I check my reports everyday and I know this was removed before I received this response from the BBB. The problem is that they re added this to my EQ report. I just tried to call them, and spoke with a lady who wanted me to give her my social security number. I refused, so she didn't want to talk to me about my account. I finally verified enough information about myself and she told me she would transfer me to someone who could help me. After being on hold for 15 minutes, I was told that I need to fax in the information to them showing that they were supposed to remove it, and that they re added it to my report because "we don't re add information". She also said that it could take 90 days to be removed from my report. I told her that I didn't want to fax anything, and asked if her information showed that it was being reported. All she would say to me is that if we said we were going to remove it we did. After much arguing she finally told me to call another number. I did and was told that I wasn't verifying my information and that I needed to speak to a supervisor(which I already did) and that I was given very clear information on what I need to do. I guess I don't know where to go from here. Do I have a leg to stand on here? I am so ticked at this point I want them to know they are screwing with the wrong person.

I also had one added to my account, I sent a letter to them telling them to remove it. They did, however only for 4 days. Now it is back, any idea what I should do now?

according to the mortgage guy middle fico is 613. My husband has about $6050 credit cards with about 60% usage. Then 1 car loan that he got in nov. it has about 2000 paid down on it. He has 1 collection that was filed last year, from gmac for 2600.

Whats the easiest way to get a 15-20 point increase on fico? Need it for middle score on fha. THanks

My husband and I are in a lease purchase option on our current home. We have been here a year aug. 1 in our contract it says we can go a second year if needed before purchase. In the last year I have cleaned up our reports to almost perfect, and have even begun to build us a little credit. With that being said, our middle scores are 610 him, and 605 me. What can we do to get to 620? Our landlord is getting kinda pushy about wanting us to close because he is getting a divorce. We would obviously prefer to have a mortgage to be paying on then just paying rent. Any suggestions? Whats an easy way to get about a 15-20 point score jump? Thanks!

The letter I sent was typed up by me not a cut n paste, pretty much saying that this is not my debt, that I have never lived at this address, and that I wanted validation of the debt that they believed to be mine.

We are talking about $132 here not a whole lot, but dang it, it isn't mine. I just did a complaint with the utilites commission. What kind of letter should I send this crappy ca now? Thanks guys for the help.

This is what they sent me it is addressed to me, but I have a very common name. To an address I have never lived at or visited.

For instance I received a collection from a ca for an electric bill for and electric at a home I have never lived at or owned. When I requested them to verify the debt they sent me a itemized statement. But thats it, I then sent them another dv and I just received a letter back saying "itemized statements were sent to you on 9/21/09. we are not required under the fair debt collection act to do anything further." I am not sure what to do at this point. TI A

The sad thing is, he probably won't get hit with any of this, I am sure he will do probation. If he was doing a check kiting as the article suggests, in this amount it should go federal. But it won't because of his status. The cold sad truth is if you are famous and have/had the money the law doesn't pertain to you.

see now I thought they were required....but I could be wrong and I am in Missouri for those who are curious. Anyway now the question is does it matter if they aren't?