This matter revolves around a medical bill from XX/XX/XXXX that insurance after a lengthy battle did not cover the cost. I paid the XXXX bill in full XX/XX/XXXX. When I paid it, I inquired about having it removed from my report as it was hurting my score and it was medical related, not like a car repo for example. The manager was very nasty on the phone and claimed since I inquired with them about the bill when they put it on my report XX/XX/XXXX that they did n't have to provide any verification of said debt in writing as required by law and requested by me more than once.Her exact words were " If you dispute this file or complain about us we will make it very hard on you. '' ( This was after payment made ) For the last 2 years this collection read on my report as ND ( no data ) causing damage, but minimal.upon payment it is now listed as a fresh new collection dated XX/XX/XXXX under reported since, payment history and account history where it now is causing considerable damage to my score. on top of all that they keep updating it to say Collection account instead of medical as it really is, they list it as delinquent from the date I was in the hospital. They also list the terms of agreement as 1 month. all these should be marked n/aThey also refuse to remove the comments from the account calling it a collection in dispute, making me unable to get a mortgage because of those comments and them making it look like a fresh collection.