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Old Planned Parenthood Bill

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In 2017 at my annual exam there was some question as to whether or not my insurance would pay Planned Parenthood, but they just took my copay. The next year I asked to make sure they were getting paid and they said don't worry about it unless you get a bill from us. I never did. I moved in July of 2019 and they must have finally sent a bill to my old address, but it was never forwarded to me. It showed up as a collection on my credit reports this month and I went to the clinic and paid them directly and got a statement with a zero balance. But it has been a long. long time since I've had to deal with collections on my report. I thought as long as you paid the original creditor you could get a collection removed, but now that I'm looking up procedures I'm super confused as to where to start.

 

A few questions:

 

Medical debt is supposedly handled differently, but this looks like any other financial transaction and the debt is listed as "loan amount" on my Experian report. Does this matter in how I dispute it?

 

The collection agency has a different account number listed from my medical statement and was clearly sending correspondence to my old address, does that matter?

 

The collection agency has added $5 to the balance owed, so can they claim I am not paid in full?

 

I know under certain circumstances it's not a good idea to dispute online, is this one of them?

 

I looked at the WhyChat info and I'm not sure how to proceed because this is my debt, but a lot of the information is wrong. Can someone please tell me where to start? I really want this removed and not just listed as paid.

 

Thanks!

 

H

 

 

 

 

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Follow the guides;

https://whychat.me/GUIDEBOOK.html

In this case because it is NOT reporting (correctly) as medical, I believe it is a random JDB (junk debt buyer) who has poisoned your report.

Send each CRA where it is reporting this;

https://whychat.me/initdispltrsol.html

 

IF you have any actual medical accounts reporting you can use the HIPAA program on those once you have this fake account deleted.

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4 hours ago, Why Chat said:

Follow the guides;

https://whychat.me/GUIDEBOOK.html

In this case because it is NOT reporting (correctly) as medical, I believe it is a random JDB (junk debt buyer) who has poisoned your report.

Send each CRA where it is reporting this;

https://whychat.me/initdispltrsol.html

 

IF you have any actual medical accounts reporting you can use the HIPAA program on those once you have this fake account deleted.

Thank you!

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