1. Hospital visit XXXX XX/XX/XXXX2. My employer provides health care at 100 %. My XXXX XXXX company is XXXX3. XXXX paid the medical bills5. Then, in XX/XX/XXXX a collection agency, XXXX XXXX XXXX, placed a negative item in my credit report stating I had not paid the doctor. 
6. I call the doctor. They state that their accounting firm at the time went out of business and sold its accounts to a collection agency. 
7. We send an email to the Manager of the collection agency and spoke with his staff. They state they do not have the actual invoice which was not paid, only an entry in the database they received from the defunct accounting company. 
8. The item is removed from my credit report. 
9. In XX/XX/XXXX a different collections agency, Commonwealth Financial, places the negative item back in my credit report. 

Commonwealth Financial has this error in a database which they got from XXXX XXXX XXXX, which got it from the accounting firm which went out of business right after we used the doctor and XXXX paid the doctor. 
It seems that there is just a big scam where XXXX accounting firms sells accounts to another agency which further sells it to another firm, when in fact the first company had already been paid by the insurance company. XXXX collections agency scams another agency, which then scams another, when in fact there is no debt to collect as the initial firm received payment years ago. 

My credit score is hammered each time a collections agency buys the account from another XXXX and puts this incorrect item in my credit report. 

I need your help to stop this once and for all.