I received a call from a collection agency and attempted to call them a few times because it was 2 -$ 40 accounts for copays, no answer so I drove to Dr’s office paid the bill. Meanwhile the CA placed 2- collection accts on my report, dropped my score 80 points. I called Dr’s office ask if she wld contact CA.
I disputed and spoke w CA who says they were notified that I paid the Dr, and they will continue to report for 7 years.
I’ve read about the hippa process, and my question is,is this still a valid defense eeverything I’ve read says it isn’t illegal to report debt.
Lastly, any suggestions?? Thank you in advance