robismyname
Junior Member
What is the name of your state? Maryland
I received a medical bill in January 2019. I started making monthly payments on it in January 2019.
March 3, 2019 I received credit alert notices from equifax, transunion, experian that a new collection was added to my reports.
Upon reviewing my reports the medical bill company I was paying monthly hired a collection company and the collection company placed a collection on all my credit reports. I never received one letter from the collection company although they claimed they sent me letters.
I disputed the collection account with equifax, experian, transunion and showed I was making payments before the account was placed into collection showing cashed checks from the medical company. Experian and Transunion deleted the account but Equifax told me the account is accurate.
Since I was making payment before the account was added to my report as a collection can I be reported as a collection account? Is there any rule on how the creditors collection companies are suppose to report bills?
Do I have a case against Equifax for not understanding I was making payments three months prior before the collection was added to my credit report? Was I just lucky that experian and transunion removed the collection? Can I also go after the collection company that reported the debt as a collection 3 months after I have been making payments (never stopped making payments)?
I received a medical bill in January 2019. I started making monthly payments on it in January 2019.
March 3, 2019 I received credit alert notices from equifax, transunion, experian that a new collection was added to my reports.
Upon reviewing my reports the medical bill company I was paying monthly hired a collection company and the collection company placed a collection on all my credit reports. I never received one letter from the collection company although they claimed they sent me letters.
I disputed the collection account with equifax, experian, transunion and showed I was making payments before the account was placed into collection showing cashed checks from the medical company. Experian and Transunion deleted the account but Equifax told me the account is accurate.
Since I was making payment before the account was added to my report as a collection can I be reported as a collection account? Is there any rule on how the creditors collection companies are suppose to report bills?
Do I have a case against Equifax for not understanding I was making payments three months prior before the collection was added to my credit report? Was I just lucky that experian and transunion removed the collection? Can I also go after the collection company that reported the debt as a collection 3 months after I have been making payments (never stopped making payments)?