Legal Question in Credit and Debt Law in Ohio

Collections reported despite never having received bill

I received a collections letter for a hospital bill last fall for services one of my

children received at an Ohio hospital a year earlier. I immediately contacted

the hospital and was told they could do nothing for me because it was in

collection, and they had sent six letters to me, but with an incomplete and

incorrect address. They also informed me there were four other bills in

collections, beginning with one in early 2003. The hospital at that time

confirmed they had my cell-phone number at which they could have

contacted me to correct the address but did not make any attempt to do so.

They also sent nothing to my children's mother.

I made several attempts to contact the collection agency to make payment

arrangements without success. Last month, they called back and

arrangements were made, but they reported all five bills to TransUnion

anyway because the bills were so old.

My question: Whether we owe is not in dispute and we will pay the full

amount. However, I find it unfair to have had the collections reported

considering their failures to properly inform me of the debt. Is there any

recourse for having the collections completely removed from my credit

report, not just marked paid?

1 Answer from Attorneys

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