On XXXX/XXXX/2015, I ran a credit report with XXXX. My credit score was XXXX with no adverse accounts or collections. On XXXX/XXXX/2015, I started working with my husband on an erroneous collection that had been place on his credit report. During the course of our discoveries, we found out that this was a medical bill for me. We never received a medical bill. We never received a collection letter. We never received any written or verbal communications from anyone. While working with the collection agency and their client, the doctors to resolve errors they both had made on our address and our insurance company and the proper person to file the insurance claim, out of nowhere, a collection for the same account was place on my credit report on XXXX/XXXX/2015. The client, XXXX XXXX XXXX admitted that they made a gross error in the way they initially filed the claim. 

On XXXX/XXXX/2015 when I found out about the medical bill, I immediately contacted XXXX XXXX XXXX and furnished them with the correct insurance information. By XXXX/XXXX/2015, they were paid. 

This should never have been referred to a collection agency. XXXX XXXX XXXX filed their insurance claim incorrectly. XXXX XXXX XXXX had an incorrect address for me and therefore, I never received any communication from them about a medical bill. 

When I went in for an emergency service, I went to XXXX XXXX XXXX XXXX, all information with regard to contact information and proper insurance, XXXX, was furnished to them. They filed their claim and were paid in full promptly. I 'm sure the physicians were contracted through the hospital so I have no idea where they obtained their billing or insurance information in order to file a claim. I did not contract with XXXX XXXX XXXX. My entrance into the hospital was with XXXX XXXX XXXX XXXX. 

I never received a collection letter from XXXX XXXX XXXX. They used the same incorrect address that the Physicians used.