I paid about 1/3 of the bill. However some of my payments did not show on the monthly bills that the medical office sent. I phoned the medical office and sent them letters and I included proof of these payments. I then stopped making monthly payments for 2 months until they correct their mistakes. The medical office transferred the bill to a collection agency. The collection agency sent me a letter with the unpaid balance which did not include my payments that was not credited to the bill. Does the collection agency have a legal right to negatively report my credit before 30 days of them receiving the bill? Does the fact that the amount sent to me from collection is not correct invalidates their claim and hence can not negatively report it and must send it back to the provider?