What can you do when been paying medical bills but the hospital reported it to credit bureau anyway?

If you have been paying your medical bills, but the hospital has still reported them to the credit bureau, there are a few steps you can take to resolve the issue:

1. Contact the hospital billing department:

- Reach out to the hospital's billing department and inquire about the reason for reporting the debt to the credit bureau despite your ongoing payments.

- Request an explanation of the outstanding balance and ensure that your payments have been properly recorded.

2. Verify the accuracy of the information:

- Obtain a copy of your credit report from one of the three major credit bureaus (Equifax, Experian, or TransUnion) to verify the accuracy of the reported information.

- Check if the medical debt listed is correct, including the amount and the associated medical provider.

3. Dispute the incorrect information:

- If you find any errors or inaccuracies in the credit report, dispute them with the credit bureau immediately.

- Provide any supporting documentation, such as proof of payments or statements, to demonstrate that you have been fulfilling your payment obligations.

4. Negotiate with the hospital:

- Contact the hospital and discuss the possibility of resolving the issue amicably.

- Try to negotiate a payment plan that works for both parties, allowing you to continue making payments while addressing the reported debt.

5. Consult a consumer protection agency or attorney:

- If the hospital refuses to cooperate or you are unable to resolve the issue on your own, consider seeking legal advice.

- Contact your local consumer protection agency or consult with an attorney who specializes in consumer rights and credit reporting.

6. Consider identity theft or fraud:

- In rare cases, the reported debt may be due to identity theft or fraud.

- If you suspect any fraudulent activity, report it to the appropriate authorities and the credit bureaus immediately.