XXXX XXXX has committed insurance fraud. She claimed visits that I never made/attended. She received payments for services not rendered because I was never there on certain dates. She runs a business out of her home and has no legal process for check in/check out, or billing. I believe she fabricated invoices because again, I never attended the number of sessions she claimed and received payment for. She ruined my credit, caused me undue distress, and harrassed me over a debt that was paid promptly by my insurance company. According to XXXX XXXX, she repeatedly sent duplicate claims to them, stating she was not paid. 

She does not have proof of my visits because she never asked me to sign anything upon arrival ( aside from my initial assessment ). There 's no proper check in process. She told me she would just give me a certain diagnosis over the phone so that XXXX XXXX would cover my visits. Then after XXXX XXXX sent her payments, she called me and told me they were cancelled and I personally owed her money. She then proceeded to threaten to take me to court if I did not pay her. 

XXXX XXXX paid all of the claims she submitted in a prompt manner, and she continually harrassed myself and XXXX XXXX, stating we owed her more money. I have proof that all claims were paid ( cashed checks made from XXXX XXXX to XXXX XXXX, as well as a ledger ). I 've repeatedly disputed this with XXXX and am in the process of disputing with the XXXX other credit bureaus, and according to XXXX, XXXX XXXX refuses to remove this from my credit report. My account was closed on XXXX/XXXX/12 according to my credit report. However, she refuses to remove it and it should have never been on my credit report.