Bill was received for a test or lab work that I never took part in. I notified debt collector ( Financial Recoveries, XXXX New Jersey ) within 30 days that I disputed the debt. I asked them for proof of medical tests performed. They did not provide that proof, instead mailed me a print out of medical codes from a screen on their computer. In less than 30 days of the debt collector sending me the first letter they had already reported it to credit companies. ( Letter mailed to me XXXX/XXXX/2015 late charge filed on my FICO score XXXX/XXXX/2015 ). 

The bill is for " Lab Work '' from XXXX Hospital. I HAD NO LAB WORK DONE! They said my XXXX filed it. I never agreed to this. No labs were ran, and no results provided. I called the hospital and they had no records of any lab work. The debt was only {$170.00} and now my credit score has taken an unnecessary hit. I was unaware they reported the debt to FICO until my score dropped and I had to look into it. I was unaware they reported it because other than the second letter they sent me which only contained a print out of medical coding screens, they never attempted to collect the debt again. So I was left to believe my letter disputing the debt must have proven to them that it was invalid and they dropped the claim. 

I am just a hard working individual that pays what he owes in life. If this was a valid debt I would have most certainly paid it. This is unbelievable. 

I have medical insurance and my deductible had already been met for the year. My insurance company was confused to this bill when I contacted them as well. 
