( 1 ) There are XXXX separate collection charges for {$780.00} from different agencies. This is only XXXX unpaid bill. It is an ambulance charge. I have been told no medical charges are to be included in credit reports. 
( 2 ) The unpaid XXXX XXXX bill is likewise a medical charge from the same situation. As it is medical, should it be included? The actual emergency occurred 7 years ago when I was in a minimum wage job with no insurance. 
( 3 ) The XXXX account is the result of a neighbor getting my code, then getting into our home computers and again somehow getting the code when we changed it. XXXX was uncooperative in helping to resolve this matter. The unpaid charges are from the neighbor running up my bill. 
