r/CRedit • u/2coniglietti • 13d ago

Collections & Charge Offs $10.18 medical bill sent to collections unknowingly

I live in Texas. Had an MRI done Dec 2023 using insurance with a local facility, and received a single bill from them for $10.18 (patient responsibility) in late June 2025…18 months later. It was just a normal statement, no due date, no “past due” indication, nothing.

I put it aside and forgot about it, and figured if it was legit they’d bill me again. Fast forward today, 6 or 7 weeks later, and I get a letter that my debt was given over to collections and now I owe $407. None of the numbers match anything from the bill I received in June.

What are my next steps here? I’ve never had something go to collections, credit score is 830. Tried to find any EOB about it via my insurance app but the system doesn’t even go back that far.

This is dumb.

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u/RedditAppIsShit 13d ago

with your 830 credit score, you're in a strong position. don't let them intimidate you into paying an unvalidated debt. the 18-month delay and amount discrepancy suggest this collection agency may not have proper documentation..

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u/2coniglietti 13d ago

This is good to hear, but how does a strong credit score help?