To Whom It May Concern, In XX/XX/XXXX, I have requested for credit card limit increase to XXXX XXXX XXXX. However, they could not increase my spending limit due to my annual income. At that time, XXXX of the specialists called me and told me that there 's a collection on my account that I would need to find out which is a negative impact on my credit report. This is when I first find out about my collections. 
On XX/XX/XXXX, I have contacted Mercantile ( Collection Company ) and spoke with XXXX XXXX ( XXXX # XXXX ) to find out about what the collection was for. She told me that it was from the XXXX Hospital that billed me and went to Collections Company. So I told her, " I had my school insurance during that time and should have been covered. '' XXXX XXXX was unaware of that matter and told me to contact the Hospital to dispute the bill. So, I contacted the Hospital and found out that I would have to contact their XXXX party billing service company, XXXX because they are the one who sent the bill and to collections. 
Before I contact the XXXX party billing Service Company, I have contacted my insurance company and spoke with XXXX XXXX if my policy was covered for the bill during XX/XX/XXXX. He told me that they never received any claims under my policy and even if they did, it should have been covered. ( Please refer to copy of email received from XXXX XXXX. ) On XX/XX/XXXX, I contacted XXXX the XXXX party billing company and spoke with XXXX to ask if she can dispute the balance due under my account. However, she told me that she could not open up any bills because they are no longer in service with XXXX Hospital. Therefore, she can not dispute my bills and told me to contact the Hospital again ... 

I have tried to dispute this bill by contacting Collections Company, the XXXX hospital, XXXX party billing service, insurance company, and new XXXX party billing service for XXXX Hospital. However, there was no one who can dispute or even open the bill and claim it to insurance company. I have never received the bill and unaware of it because I lived in XXXX, NY only for five months. 
After contacting all those parties, I contacted Hospital for XXXX last time. XXXX of the representatives from XXXX hospital understood my situation and told me to contact the XXXX credit bureaus directly and dispute the collections. Therefore, I contacted XXXX, XXXX, and XXXX and sent all my documents to request dispute. As a result, XXXX have deleted my collections. 

However, XXXX can not dispute my collection because Mercantile ( collection company ) denied to my request. XXXX told me if I 'm not satisfied to the results, I would need to send Personal Statement explaining why I 'm not satisfied.. First of all, I did not understand why XXXX asked Collections Company to dispute it again. I already told them that I was not able to dispute with any of the related parties. 

Please consider my situation and investigate my account. 

Thank youXXXX XXXX XXXX