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Alleged debt : how to dispute

1,454 286 July 26, 2019 at 07:34 PM in Finance
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I got a debt collection letter for some medical treatment which i never had. there are many reasons to disprove the debt, but to start with, i sent them a letter disputing the charge and asking for proof.

but in return they sent a letter asking me to confirm my SSN last 4 and date of birth, which seems stupid. Burden should be on them to prove and not get info from me. They also clearly mention that any info provided will be used for their debt collection purpose, which makes me even more mad that how dare they collect info from me and use it against me?

as a side note, i had called their number before sending a letter and they mentioned birth year which is not my birth year. the agent then asked what is the correct birth year. why would i give her the info when they are gonna use it against me?

i know this is not a legal forum but this is my first go to place for all things unknown. may be i should try reddit?

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#2
you are right to be cautious about giving them your DOB and last 4 SSN.

i have a common name, so i have in the past been hit with collections based on mistaken identity. usually, just calling and telling them they have the wrong person has been enough. most collectors don't want to waste money chasing the wrong person. once or twice, i sent an unsigned letter (never give a debt collector your signature) affirming that i was not the person they're looking for.

that's not to say there aren't scuzzy collectors. it is easy to imagine someone getting your info to "update" the records they have to conform with the info you provide them. so keep pushing, and keep resisting their questions. when confronted, i always say, "i am not comfortable providing that information."
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#3
Quote from crabbing
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you are right to be cautious about giving them your DOB and last 4 SSN.

i have a common name, so i have in the past been hit with collections based on mistaken identity. usually, just calling and telling them they have the wrong person has been enough. most collectors don't want to waste money chasing the wrong person. once or twice, i sent an unsigned letter (never give a debt collector your signature) affirming that i was not the person they're looking for.

that's not to say there aren't scuzzy collectors. it is easy to imagine someone getting your info to "update" the records they have to conform with the info you provide them. so keep pushing, and keep resisting their questions. when confronted, i always say, "i am not comfortable providing that information."
thanks for the response. why do say unsigned letter? i sent with signature following instructions here Confused
https://www.consumerreports.org/c...on-notice/
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Quote from RandomSDNeo
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thanks for the response. why do say unsigned letter? i sent with signature following instructions here Confused
https://www.consumerreports.org/c...on-notice/
My guess would be to avoid giving them a copy of your signature that could possibly be used to forge paperwork showing you are responsible for the debt if this is indeed some sort of a scam.
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I like what she said, not what it means.
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#5
get your free 3 credit yearly scores from 3 companies dispute with them if its on it,see what hospital was used and write to hospital
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#6
The biggest issue with medical billing is the hospitals will routinely find a prior patient with similar information. They have a poor habit of wrongly billing people and impacting their credit.

Go file a police report for identity theft. Let the police investigate it.
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Quote from Iaaaiws
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My guess would be to avoid giving them a copy of your signature that could possibly be used to forge paperwork showing you are responsible for the debt if this is indeed some sort of a scam.
that's correct.
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#8
I don't know if this was mentioned, but shouldn't the first step be to send them a letter to validate the debt? If they can't validate the debt than the debt isnt owed. If they don't have the right bday or last social than OP should be off the hook right? OP is smart to not give that sensitivity info as he said they would take that against him.
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just being slick

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Quote from gpister
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I don't know if this was mentioned, but shouldn't the first step be to send them a letter to validate the debt? If they can't validate the debt than the debt isnt owed. If they don't have the right bday or last social than OP should be off the hook right? OP is smart to not give that sensitivity info as he said they would take that against him.
that is what i thought that since i already wrote to them asking for proof and they replied back asking for ssn/dob instead of sending proof. which means they still don't have the proof and instead trying to frame me instead of finding the right person.
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#10
Quote from RandomSDNeo
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that is what i thought that since i already wrote to them asking for proof and they replied back asking for ssn/dob instead of sending proof. which means they still don't have the proof and instead trying to frame me instead of finding the right person.
At this point OP its hard to see whats the next step. But that would make the most sense to me if they don't have that information you should be off the hook. If you think about it how would this go to your credit score if they don't have the right social security and birthday you know?

Their end they are suppose to validate the debt. If I were you OP I would give them a call (if you can a public phone) and talk the matter and explain that they still haven't validated t he debt. A quote I saw from Google.

"What does a debt collector need to provide as debt validation?
Before you pay a dime to a debt collector, confirm that the debt belongs to you. Debt collectors are legally required to send you a debt validation letter, which outlines what the debt is, how much you owe and other information.Apr 23, 2019"

If you think you can get ahold of the original medical treatment see if they can help you some how. One time my dad got a collection letter. Apparently it was a service that wasn't included in this big project. Fast forward got ahold of the original company and ya it was a bill (which was insane) that had to be paid, that one had validation, but at this point OP seems theirs a confusion which if they clearly don't have that information they have to leave you alone. Also when i asked for validation they basically brought the whole receipts from the contractors which they kind of validated that debt. Call your the 3 big credit bureau or whatever you have to do to dispute anything if it pops on your account.
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Last edited by gpister August 2, 2019 at 04:06 PM.
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