I had an operation in XX/XX/XXXX and my insurance covered all charges. Received notification from the provider XXXX XXXX in XX/XX/XXXX indicating they were n't paid. Called immediately and gave them insurance info. Never heard back. 
XX/XX/XXXX ran my yearly credit report and found a collection agency had put negative mark on my report. Called agency and asked who they were representing, why they had never sent me any kind of written notification or called me. 
They claimed they had wrong address and claimed to have called me XXXX times, which was an out and out lie. I never received XXXX call or message from them. Told them by not giving me the opportunity to dispute the debt, and immediately reporting my account to the credit bureaus that they violated the Fair Debt Collection Practices act. They did n't seem to care I then requested they provide me with proof that their client, XXXX XXXX, had filed a claim with my insurance company on a timely basis, and what exactly I was billed for, and they refused. It is companies like this that give the whole industry a bad name.