This collection agency reported on my credit report while other collection agencies are trying to collect the same medical debt. My employment offered XXXX health insurance and I went to be seen at the ER and used the insurance. I was not aware that I was billed for the services and waited to see if my employment was taking care of it. The contract ended and then I received several notices from ( XXXX ) different collection agencies about this. I received a letter stating that I had ( XXXX ) days to dispute the account. I sent ( XXXX ) letters off, certified mail, to a XXXX Solutions and a law office by the name of XXXX XXXX XXXX. I do have the tracking numbers for both letters and they were picked up before the ( XXXX ) day mark. XXXX XXXX XXXX returned my letter, stating that I had to sign the letter and would n't validate the information as I typed the letter. There is no law that states that the time halts when a collection agency refuses to send the info. I check my credit report and XXXX is reporting this account now. It is a fresh report as this was not on my credit a few days ago.