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JustKit

TransUnion medical collection out of blue

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Sigh ... been reading posts about medical collections  and whychat but have a question. When i read the linked doco to the compliance rules for medical debt on pg 12 it states that medical bills paid or being paid by insurance may not be reported. In my case the bill was paid by insurance so it it seems thats all that needs to be said to transunuion for them to remove it? Is that correct? If so i may have erred by disputing as no knowledge if account and it seems the CA is reporting it as a closed collection but it should have been removed? I did contact the clinic where i had the bill and its from 2015 and likely just a small 20 dollsr charge for my portion of the bill and but when i called they said they sold the account and have no records so it seems working with them is useless. Advice appeciated....  

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Well it appears to have been deleted so my questions are mute.  But some food food for thought...   Interestingly the CA called me that next day after i posted here and while i generally dont answer calls from numbers i dont know i just happened to answer theirs not knowing it was them. On the call i asserted wanting doco on the debt as my insurance had paid it. When the CA person said it was my portion  and named the insurance company i reacted without thinking saying but my primary insurance is medicare not the one she mentioned which is true today but not true as of the date of this so called bill. I dont know if there are different collection rules for medicare versus non medicare insurance but i believe it may have made think the CA think they needed an medicare ABN signed form as i have seen some recent medical providers ask me to sign these . Also the CA stated they had sent the debt doco to my new address (temp address) though i have been careful as i dont  want my credit reports or other things to use this address so i have never used this address for anything so evidently i need to check my lexis file i think. Anyways ... the medicare abn i think is also something to keep in mind for medical collections. And it makes me wonder if my CR that had updated the collection to closed when i disputed it was just because of my action and it was about to be removed from my report or  because of the missing ABN medicare the CA decided to remove it than risk the problems with that. Dont know ... 

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CAs lie like a rug all the time. Just do NOT talk to them any more or give them additional information as they will consider it the same as putting a big "KICK ME" on your backside.

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