What specific information must a credit reporting agency provide when challenged to prove a listed debt?

Question

I discovered inaccuracies in my credit report (medical collections). When I wrote to dispute them, I asked for specific information including the name of the original creditor, the specific service that was provided, an itemization of the charges, the date of service, any amount of the original balance that was paid by insurance, and copies of any document bearing my signature agreeing to pay for the charges.
When they responded all they sent me was a list of account numbers and account balances. Do I have a right to the requested information, and if not provided, do they not have to remove the items from my report? I do not feel as if they have provided sufficient evidence of the debt.
I would appreciate any guidance I could get. Thanks

Answer 1

Remember, the credit report is just that, a report. They are reporting the information given by a creditor. Your dispute is with the collections agency not the bureau. Challenge the validity of the debt, the creditor has 30 days to respond. Keep your challenge very breif i.e. I "so and so" challenge the validity of this debt. It is not correct and I demand it be removed from my report. Thats it, keep doing it, the agency will eventually get tired of responding

Answer 2

Your credit bureau should indicate what company or agency placed the information. If it was a collection agency as in most cases, you should be able to get the requested information from that agency.
One thing to keep in mind though is once you open that can of worms, they are going to request updated information to regain the ability to try to collect. In order for it to be removed from your reports, you will have to prove that the information is incorrect. Good Luck!!

Answer 3

Yes you have to the right to any personal info. Remember the bureaus dont like to be questioned so you have to be diligent. Your best bet is to contact the insurance company and ask them for your account info and any info they have on this matter. Then call the hospital or doctor and get all relative info from them. After that jump on the FTC website and get the info needed to execute this for your credit repair. You are going to have to do some looking but you will find it under consumers and then credit. If you have no success I manage a financial service company which can help you in this matter but there is a price. If this sounds like something you want to do you can see my email address send me something so i can contact and help you.