Tuesday, July 24, 2007

Medical bill collection unknown. Inquiry or credit report pulled by collections agency to find my address

Medical bill collection unknown. Inquiry or credit report pulled by collections agency to find my address
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A part of my medical bill was denied by my insurance leaving a balance of $116 which I was unaware of. The doctor's office claims to have a bad address and they do not make collection calls so they passed my debt over to a collection agency. I feel that in this case a call is warranted if mail is being returned; they must have written the address down wrong. Then it went out to collections but they did not pull a report to obtain my address. My address is current on all reports and I had mail forwarding set up. So... did the collection agency have the obligation to pull my report in order to obtain an address?
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"majors@oskie.com" / to Inquiry on unknown Collection /
Abosolutley NOT!They cannot pull your credit report unless you sign for it.
If you have an inquiry on your report from the collection company, then ask them to kindly remove the debt and inquiry from your credit report, plus send you a signed letter on company letter head saying such has been done as required by FTC law. No one may pull my credit report up without my signed consent.
Read this sort of related collection page.

http://www.oskie.com/how-i-get-paid-collection-collections-account-removed-credit-report-completely.htm

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