How to Write a Medical Bill Dispute Letter

If you have a fraudulent medical bill on your credit report or a bill that went to debt collections too quickly, you need to fight it. A medical bill dispute letter is often the most successful way to combat a fraudulent or incorrect medical debt and fix your credit score.

Medical debt can harm your credit report and credit score, preventing you from getting loans and lines of credit. It can be stressful and time-consuming to attempt to get rid of a debt using a medical bill dispute letter.

We will outline how to successfully prepare a . We will also guide you to the simplest and most convenient way to generate a medical dispute letter using DoNotPay.

How to Write a Medical Bill Dispute Letter

Before you consider writing a , you should access your annual free credit report first and examine it well.

The Federal Trade Commission (FTC) requires each of the three primary credit reporting bureaus to allow you one free credit report every 12 months. You can access your credit report at TransUnion, Equifax, and Experian.

Review your report to find any medical bills or medical debt collections that you need to dispute. You will also need to find evidence that the bill is fraudulent or already paid, so gather any receipts, invoices, statements, and payment records that coincide with the incident.

Ways to Request Credit Report
Website	AnnualCreditReport.com
Phone	877-322-8228
Request Form	Annual Credit Report Request form
Mailing Address	Annual Credit Report Request Service P.O. Box 105281 Atlanta, GA 30348-5281

Write the Dispute Letter

There are several reasons why a medical bill dispute letter will be helpful to fight a medical bill, such as:

You believe the debt is fraudulent
The debt was sent to collections after less than 180 days
You already paid the debt
The insurance company paid the debt

If you are disputing the medical bill for any of the reasons above, you likely have a case to write a medical bill dispute letter. A medical bill dispute letter should be written and sent to the credit bureau that reported your medical bill collections.

Professionally and clearly, compose a letter to send to each of the credit bureaus that incorrectly reported the medical bill. Include the following:

Your name, address, and phone number
The recipient's name or business, address, and phone number
The date
An introduction explaining the purpose of the medical bill dispute, including dates, amounts, invoice or bill numbers, and company or facility
Why you want to dispute the medical bill
How you want the credit bureau to address the dispute
Your Signature

Send the letter to one or more of the credit bureaus. They should respond under the Fair Credit Reporting Act.

What if You Can't Write a Medical Bill Dispute Letter?

Not everyone has the means and time to write a medical bill dispute letter. If you are having difficulty getting your ideas out on paper or can't find the time to write a letter, DoNotPay is the most convenient way to generate a medical bill dispute letter and fix your credit score.

We help our users with the following:

Write a Credit Dispute Letter
Write a Debt Validation Letter
Dispute Credit Reports

Generate a Professional Medical Bill Dispute Letter With DoNotPay

Writing a medical bill dispute letter is not for everyone. It can be hard to find a formal tone to detail your dispute and expectations. Even finding the time to sit and write can be impossible for many.

DoNotPay quickly generates a professional medical bill dispute letter and sends it on your behalf. We only need a few minutes of your time from our mobile app or website to successfully dispute your medical bill.

If you want to clean up your credit report but don't know where to start, DoNotPay has you covered in 3 easy steps:

Search Clean Credit Report on DoNotPay.
Prepare a recent copy of your credit report that you can use as reference.
Let us guide you through the 4 potential options:
If you've already paid off your debt, we'll help you file a Goodwill Removal Request to get it removed.
If you notice any errors in your report (we have a list of common errors you can use!), we'll help you file a credit dispute to the creditor or major credit bureaus.
If there are no errors, we'll check if you're still eligible to file a debt validation request. If they can't validate your debt, they're required to remove it from your report and they can't collect it!
Lastly, if none of the above options work, we'll help you file a pay-to-delete negotiation letter. You can customize the amount you are willing to pay in exchange for getting the item removed.