Report Credit Report Discrepancies
2010
How can you get an incorrect debt report off your credit report?
My husband carries insurance for his kids that live with their mother. A couple of years ago the oldest child broke her ankle and the mother used the insurance card and put it in my husband’s name and gave her address. She never paid the bill and has since then moved. We had no idea that she had done this until we checked his credit report. We’ve filed a discrepancy, and they didn’t remove it. We’ve spoken to the credit collector and and they wouldn’t do anything about it. We’ve also have spoken to the hospital and the emergency medical office that the bill came out of and they know that it is not my husband’s bill but won’t do anything about it. What can we do to have it removed?
Sarge goes into great detail about how insurance works, and responsibilities……none of which applies here.
The mother signed the release and takes on responsibility. It may be that the court has ordered the husband to handle medical bills (the reason for him paying insurance), but this is a “contract” between them….not the hospital.
For this reason the creditor/collection agency has no right to go after the husband and needs to drop this.
OK, back to square one..how to do that?
Send a certified letter to the credit bureau and dispute this as “not mine”. Very important!
Also send a certified letter to the collection agency demanding that they validate this debt. They MUST send you something in writing proving you have a legal obligation to pay this debt. Remember, the fact that you are paying the insurance doesn’t cut it…..if you owe anybody it’s the wife, so she can pay the debt. You have NO obligation to pay the creditor directly.
If you still don’t get an answer within 30 days, you have a good enough case to sue them for FCRA violations.
Bad Credit Repair – Fix Your Credit With These Hot Tips
Comment