disputing medical accounts

terrinel · Apr 10, 2004

reviewing and comparing my equifax rpt and my experian rpts in relation to collection accounts due. They both show conflict in info. For example

My exp rpt shows

Central finl Contro
Original Creditor palmeto general hospital

Date opened 04/2000 type installments amount 361
reported since 12/1999 terns na high balance na
date of status 12/1999 monthly pymts 0
recent balance 361 as of 07-2003
last reported 07/203 recent payment 0

account history
collection as a 7-2003, 5-2003,3-2003,1-2003,12-2002,11-2002,9-2002, 8-2002,6-2002,5-2002-,2-2002,-4-2002,12-2001-,9-2001 to 11-2001,7-2001,6-2001,-5-2001,3-2001,2-2001,1-2001,-11-200,7-2000 to 10-2000, 12-1999

Then it list the same creditor info dates etc on the amount due changes to 235 and there is a diffirent acct number. the account history infor is the same.

My Equifax shows this

Syndicated office System
client name Palmetto General
date assigned 04/2000
Actt:00270123413797
oriignal amount owed 235
balanced owed 235
balance date 08-203
date of last activity 12/1999
date reported 08/2003
status date 08-2003
status d-updaid
comments n/a

then it list same company same client name
date assigned 04/2000
acct different account
original amout 361
balance 361
balance date 08-2003
dola 12/1999

the accounts above are listed again with the same company name. client name
same info just a different acct number

there are only two account but they are listed twice as seperate accounts so total it appears as if there are four outstanding accounts when there should only be two accounts. Based on this info I am thinking that the sol has run for collectinh these debts. Would i use the sol for a written contract since I am sure that I signed something when I was admitted in 12/1999. and would I use the sol for the state services were rendered in? I have since moved to tx since that time. What can I do to have this info corrected can I dispute these accounts as being paid by insurance company as I believe these are remaining balances after my insurance paid.

I am sorry for asking so many questions, but this is my first time really analyzing my cr to make sure that all info is correct or to see if there is somethin I can do to remove some things. Any help at all is appreciated. Thanks