Is it legal for a collection agency to report to a bureau an unpaid bill without contacting the consumer first?
Posted in Credit on 04/30/2010 02:55 pm by admin
claify asked:
I have a collection showing up on my credit report that was just posted for services I may or may not have received two years ago by a hospital. Problem is I never received a bill from the hospital, but I recently applied for a Parent Plus loan for my son’s college tuition and was denied because a collection agency provided this information to the Experian. I never received anything from the hospital or the collection agency. If I had received a bill I certainly would have contacted the hospital or the agency to validate it. But nothing, never received a bill. How can I get this off my credit report?
Chris
I have a collection showing up on my credit report that was just posted for services I may or may not have received two years ago by a hospital. Problem is I never received a bill from the hospital, but I recently applied for a Parent Plus loan for my son’s college tuition and was denied because a collection agency provided this information to the Experian. I never received anything from the hospital or the collection agency. If I had received a bill I certainly would have contacted the hospital or the agency to validate it. But nothing, never received a bill. How can I get this off my credit report?
Chris