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You need to contact the hospital's billing department and ask why the insurance did not cover the bill and why the bill is being billed to you instead of her father, who has the insurance. Depending on the hospital's response, the hospital may have to resubmit the bill to the insurance company or bill the father. You should also demand that the insurance company remove the derogatory information from your credit file. Otherwise, you need to dispute the information with the Credit Reporting Agency ("CRA") where the information is showing. Pursuant to Fair Credit Reporting Act (“FCRA”), CRAs have up to 45 days to investigate the information and get back to you. As part of this investigation, the CRAs would send inquiry to the reporter of the information to verify or correct the information. If the reporter (the hospital) verifies the information, the derogatory information would stay on your record. However, you would be given an opportunity to put a statement on your file that you still dispute the debt. On the other hand, if the reporter corrects the information in your favor or fails to respond to the inquiry, the CRAs would correct the information in your favor and send you an updated credit report.
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