Any help is greatly appreciated. I had a medical bill from years ago in college that went into collections (IC Systems). I went ahead and mailed the original creditor a check (doctor's office) in hopes that they would cash it. They did! Now, IC Systems is reporting the debt as paid in full collections, but I never paid them! I paid the doctors office! Ive already completed the verification process with IC Systms, as well as sent them a request to delete this entry from my credit report since a debt with IC Systems doesn't exist. I have also contacted the doctors office requesting that they contact IC Systems and have them delete the account. I am having trouble getting the doctors office to call me back. Is it time to file a lawsuit? Thanks for any help anyone can give. Kim
Yes. I went through the validation process with IC Systems and they sent me a copy of the original invoice. Yes, I have a copy of the cancelled check from the doctors office. Also, I sent IC Systems a copy of the cancelled check when I requested they delete the entry from my credit report on the grounds that they are attempting to collect on a debt that does not exist. I have also disputed this item on my credit reports. I am still waiting for the results of that dispute but I am not optimistic about that outcome, therefore I am trying to prepare to sue if that is the next step. Thanks again. Kim
an invoice is not sufficient proof of the debt - they would need to provide signed documents showing responsible party, credits/debits and how they arrived at the amount they attempted to collect.