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[quote=Anonymous]I had this happen recently to me.  Turns out three years ago, I had an ER visit and the radiologist never billed my insurance or contacted me for payment.

At this point, it is not likely on your credit report.  So getting a credit report isn't going to help if it's not yet there.

What you are entitled to is verification of the debt in writing.  This will include the creditor, the amount and the service provided.  They must provide it immediately.

What I would do is return the call, ask who the creditor is and how much the bill is, the date on which the purchase or services were made.  Then ask them to mail you verification.  In order to do that, you will have to verify that they  have your correct information.  If you moved in the past few years, the information might not be current.

If you ignore it, you run the risk of being sued and having a black mark on your credit.  It is far easier to deal with things at this level than responding to a lawsuit or trying to fix your credit.  [/quote]

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