Medical Collection Agency without Notification Reported to Credit Bureaus a debt of $20
by R. Brzyski
I did not receive any notification from a medical bill collection agency that a debt was owed; no letter or phone call; only found out the $20 debt was reported to credit bureaus through my credit monitoring company. I found out this was a result of a co-pay from a hospital. I was paying off another debt to the hospital incremental monthly payments. I overpaid by $5.00 and the hospital applied the $5.00 to the invoice they sold to the collection agency. I contacted the collection agency when I first noticed a major derogatory on my credit reports. I was told by the medical collection agency I acknowledged the debt when I made a payment of $5.00 to the hospital after they bought the account. That is not true, the hospital sold the debt of $25.00 to the collection agency and then applied the overpayment of $5.00 to the debt they sold to the medical collection agency.
I had no knowledge of this debt and now each is stating they are not responsible for assisting me in removing from my credit reports, should I pay the debt. I've been corresponding with both the hospital and medical collection agency.....to put this as derogatory for $20 on my credit report is insanity. Each one says they will call me back; however, it seems like I am chasing them. What are my rights?