I presented to a medical facility for emergency treatment and my bill was wrongfully sent to collections . My insurance approval took 6 months as it was through the State and they are painfully behind . Approval has been provided RETROACTIVELY and date of incident is COVERED . Collection agency is reporting to three agencies which is DAMAGING my credit rating . I have also learned that I had to provide collection agency with proof of insurance so they can bill the ICD - 9 and procedure codes ! This is a complete violation of my HIPPA ! I did not give the hospital permission to release any medical information to a third party ! How do I seek for damages ?