When I got my report I saw, under Adverse Accounts, " XXXX XXXX XXXX, '' collecting for XXXX XXXX XXXX XXXX in XXXX WI. I had told XXXX XXXX and then XXXX that I do not owe this money because neither I or anyone acting in my behalf ( my husband being with me ) gave my permission for the ambulance transportation and when I asked for their pertinent documents the driver provided, as " proof '' that I did, a fraudulent receipt signed only by him, which is against Medicare rules. I disputed the adverse report with TransUnion, the only credit agency who gave me a free report, and they issued a " research '' report that my compliant was frivolous without speaking with me or asking for my proof. This is contrary to the new statute saying they must get my side of a complaint about an adverse credit report. The attached papers describe the incident in detail.