I was billed at 17 years old for a medical bill. I never received any bills or notifications stating that because I was 17 living with my parents and still in High School. Two years later, I was refinancing my car and the bank asked if i were aware that i had a medical bill in collections. No. I had no clue this was billed to me in the first place. I contacted the Credit company that placed it on my credit. They said they would take it to their director. "Illegal to bill a minor" was the reason to present it to the top people. They stated that it would be swiped off my credit like it never happened. I thought it was taken care of. I go to purchase a new car in April and it was still there. I called again and they fought with me stating that I was 18. I told them my birthday and let them figure out themselves that October comes after July. October 1996 is my birthday. I was billed April of 2014. I also do remember I never signed anything for this ER trip. This happened in Wyoming but the credit company is located in Utah.
To get an inaccurate entry on your credit report removed, you must file a dispute with each credit bureau that has the inaccurate information listed on the report. You can dispute by letter or online. Either way, you need to retain copies of how you disputed the entry. If you do this by mail, you should send the letters by certified mail, return receipt requested and retain a copy of what was mailed. If you dispute online, print out what was done. In your dispute explain why you are not liable for the debt.
The creditor is given 30 days to reply to the dispute. If the creditor does not reply, then the info will drop off. If the creditor replies stating that the entry must stay on the report, then you have a claim under the Fair Credit Reporting Act (FCRA).
Before you take any action, including disputing the info, you should contact an attorney that handles FCRA claims and dispute the info in the manner in which that attorney would prefer that you handle the matter. You can search for an an attorney by using the Avvo "Find a Lawyer" link at the top of this page.
Answers and comments provided are for general discussion only. My comments are not to be considered legal advice and they do not create an attorney-client relationship.
I agree with Mr. Gambrell and add that any attorney you contact will wonder why, if you were a minor, the hospital didn't have your parents sign off. Then they would be responsible, and their insurance should have paid. They should contact their health insurance carrier for an explanation of benefits.
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