Ask credit questions ...I have sent 2 DVL to ARS regarding a tradeline on my CR.
Both times they have sent paperwork (1500 Health Insurance Claim Form). Each form has my minor sons information, patient relationship to insured show the self box checked, and the signature box says signature on file and it has a date. The dates of each of the forms is different and each is around the time that the DVL was sent out (4/8/10 & 6/10/10).
The strange thing is that we did not have insurance so I am not sure why this form is being sent to me. They are saying that charge represents an emergency room physician's bill but not the hospital bill. The creditor information is the hospital.
They only give codes for what happened but not explanations because not original bill. Trying to search the codes online most of them appear to be x-rays and pulse ox and physician for taking history physical exam and diagnosis to the tune of $929 with 767 of that for the doctor. I don't ever recall being in ER that long with son.with that dollar amount of time with doctor.
What should I do?
I forgot to mention that my DVL and the CR show the same account number to verify but the CA keeps sending VL using a different account number.
proper validation with medical bills
Hi realme,
You should file a dispute with the credit bureaus. Send dispute letters to the bureaus, and attach proof of the validation letters sent to Alternative Receivables Solutions, and the paperworks they sent you. The credit bureaus will remove the tradeline after verification. Also send in a copy of your credit report. Mention in the letter that the account numbers they are showing in the paperworks are different from that showing on your credit report.
You can use the sample dispute letter available with this community.
Thanks,
Aaron
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