Legal Question in Credit and Debt Law in Georgia

A mistake that was fixed is not a lottery win. If there is damage to your credit it is YOUR negligence that it is there.

According to you, eveyone fixed things. If there are errors in your credit report, you have to challenge those in writing. They should then be removed. If they refuse to correct things, THEN you may have a case. But according to you, you have yet to ask.

And you were wrong at the time also. Hospitals are not responsible for solving billing problems with your insurer. That is your responsibility as you owe the bill. The fact they fixed it means they did more than they were required.

No one here has the documents, and more facts are necessary, but I will point out two issues you probably have. One, your insurance is probably between you and the insurer, and not the hospital/provider. Most providers bill insurers as a courtesy only, and the patient is almost always going to be responsible for the bill. The documents will usually say that very clearly. Rarely will the correct answer to be to leave a bill outstanding and say "talk to my insurance company" and if the patient does that they face the very risk you discuss. It is the patients bill, not the patient's insurance company's bill so the patient who says "I don't owe them" is usually going to be very wrong. Second, what did the insurance company send to the credit bureau to ruin your credit and what did they send to the collection agency? The correct way to resolve this is for the patient to make sure all bills are paid, and then fight with the insurer about reimbursement. Again, we do not have the documents and facts, but this covers about 98% of the situations you discuss.