Q: Debt reported to Credit Agency: Lack of communication between Hospital and Debt-collection Agency (DCA)
Here is the Timeline:
April - I received a bill from the Hospital. June – Hospital agreed to place my payment on hold under their Pandemic-time policy.
June/July - Received two letters from a DCA. I called DCA to inform that my account was under hold. October - The hospital informed me that my hold has been lifted and I need to pay. But, it turned out by that time DCA had already reported my debt to a credit agency.
Looks like the DCA followed their original timeline (July – October) to report without honoring the Hospital’s account hold policy. I NEVER received any calls from the DCA in the entire time! This is lack of communication – both between the hospital and the DCA and from DCA to me. Anyway, I called the DCA & already paid the debt. But, seems like the Report will still be there in my credit account. That Report needs to be removed. Can I make a dispute to the Credit Agency based on the DCA’s lack of communication issues? Would that be a valid ground for filing a dispute?
A: Yes. It may also be a violation of the Fair Credit Reporting Act.
1 user found this answer helpful
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