Company contacted me in mid XXXX. They implied that I had XXXX days before they would notify the credit rating bureaus. I explained that I was still disputing the medical bill with the hospital. 
I called to pay off the amount in full on XXXX XXXX 2015. They then informed me that they had notified the credit bureaus on XXXX XXXX. This tactic caused my credit rating to drop XXXX points, even though the amount was fully paid off within the implied XXXX day period.