I am disputing the amount of $539.00 that you have reported on my Experian credit report. The original creditor is Denver Health Ambulance. I have had Colorado Indigent discount plan for over five years and have never received a bill for this service. Had I received a bill from Denver Health I would have paid my discounted amount of $5.00.

This is not a refusal to pay, but a notice that your claim is being disputed. This is a request for validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.
Be advised that I am not requesting a "verification" that you have my mailing address, I am requesting a "validation;" that is, competent evidence that I have some contractual obligation to pay you

I am requesting you to validate the bill you believe I owe by sending me the following.

1. A copy of the original bill.
2. A copy of my signed financial responsibility statement.
3. Copies of any Colorado Indigent billing statements that were denied.
4. Complete accounting of the account from the day it was opened.
5. Copy of the signed contract assigning, transferring, or selling the debt to your collection agency.

I demand that you also send a copy of this dispute to the company that you say I owe money to, so that they do not report this on my credit report. I further demand since you have reported me to a credit reporting company, you tell them that I do not agree with this debt
.
Full compliance with Federal & Col. laws is required within 30 days from receipt of this letter or I will forward all copies of correspondence with a complaint to the FTC and the Col. AG's office.

Sincerely,

Cc: Colorado Department of Health Care Policy and Financing
Karen K. Reinertson, Executive Director
1575 Sherman Street
Denver, Colorado 80203-1714

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