Ambulance company failed to bill my insurance 4 years ago and reported me to the credit bureaus. Need help?
Mike D! asked:
I was in an accident nearly 4 years ago and was taken to the hospital via ambulance. As I understand it, they took my information then and they claim they submitted the bill to my insurance company. I figured everything was all set but have recently been getting collection calls for nearly $1000 and this has shown up on my credit reports (which unfortunately I have only begun to monitor lately). I have been in contact with my insurance company (who tells me I owe nothing in this situation because it should have been covered) and they say they received nothing from the ambulance company until the end of Feb 08! The ambulance company insists they did nothing wrong and refuse to take this mark off my credit report even when they are paid by my insurance.
I was in an accident nearly 4 years ago and was taken to the hospital via ambulance. As I understand it, they took my information then and they claim they submitted the bill to my insurance company. I figured everything was all set but have recently been getting collection calls for nearly $1000 and this has shown up on my credit reports (which unfortunately I have only begun to monitor lately). I have been in contact with my insurance company (who tells me I owe nothing in this situation because it should have been covered) and they say they received nothing from the ambulance company until the end of Feb 08! The ambulance company insists they did nothing wrong and refuse to take this mark off my credit report even when they are paid by my insurance.
Do I have any recourse to have this removed from my credit reports? I need help! Thanks!
Frank
Yolanda
Follow the normal dispute process with the credit bureaus. If they refuse to remove it, about all you can do is add a remark to your credit records.
The “hard” alternative is to sue the ambulance company, but that’ll cost you even in small claims court.
Darryl
The situation is not as dire as it appears.
Have the insurance company send you proof that they have paid the bill to the ambulance company along with a letter stating the following:
1) You were covered by insurance at the time of the accident
2) The insurance company was responsible for the payment
3) The insurance company did not receive a claim from the ambulance company until Feb. 2008
4) The claim has been paid
Get a letter from the ambulance company stating that the claim has been paid in full.
Write letters to each credit reporting agency on which the collection account appears. Explain the problem, and enclose a copy of the letters from the insurance company and the ambulance company.
This should solve the problem. If the ambulance company tries to give you any grief, threaten a lawsuit for defamation and violations of both the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.
Good luck!
Irene
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