Hi, thanks for submitting your question today. First, when a medical provider agrees to accept a particular insurance, they agree to the particular insurance company's rate of pay for the service...in other words they cannot charge you more for that service.
Now as to the negative credit reporting, there are two general ways to go about getting recourse for this. One is to file an administrative complaint with the Federal Trade Commission
. Here https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en
The other option is to file a lawsuit in federal court under the Fair Credit Reporting Act. You will need to show that you demanded the incorrect information be removed and the agency failed to remove it within 30 days. You will also need to be able to prove specific damages in relation to not qualifying for credit, e.g., higher interest, not qualifying for a loan.
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