Product: Debt collection

I went to the hospital on XX/XX/XXXX. After my visit I received several invoices from XXXX XXXX. Originally they did not file anything against my insurance company. After contacting them a few months later they filed a claim with my insurance and the billing amount was updated however, I still received several bills from XXXX due for different services and it was not consistent. I spoke with a representative and we went over the bills I had. I attempted to make a payment because I knew I owed something but was not confident in the amount due to the different amounts shown on the invoices. My card had expired so I told them I would call back. In XXXX or XX/XX/XXXX I received an invoice from a collection agency for the XX/XX/XXXX services however, I had not received any bills from XXXX for it. It was not listed on any of the invoices I had from them which included a XX/XX/XXXX and XX/XX/XXXXservice. In XX/XX/XXXX I called XXXX once again to discuss the bill and they advised that they only had the bill from XX/XX/XXXX and XX/XX/XXXXservice which was a total of XXXX. I paid XXXX because I knew I owed something and told them I needed a detail statement and needed to contact my insurance company. out of the XXXX, XXXX was applied towards the XX/XX/XXXX service and XXXX was applied towards the XXXX which left me with a XXXX balance. I advised I would pay it once I confirmed what I owed with my insurance company. A few days later I received a letter from H & R Accounts advising that I had a balance of XXXX. I advised that I paid XXXX for XXXX and that I was working with them and my insurance company. After speaking with my Insurance company they advised that they would be researching the XX/XX/XXXX date of service to ensure the accuracy of the billing. In XX/XX/XXXX I received a healthcare summary from my insurance company advising that the bill that I did not Owe the XXXX that was sent to me by the other collection agency and they had already paid their portion for the other XX/XX/XXXX and XX/XX/XXXX services. I called XXXX in XX/XX/XXXX to make the remaining payment of XXXX and was advised that it was with the collection agency. I called H & R collection agency and was advised that the account had been placed on my credit for the XXXX. After checking my credit this collection account caused my score to go down 20 points. In speaking with XXXX  I was advised that the account should have been placed on hold since my insurance company was reviewing it. That would have prevented it from being placed with collection and when I called H & R and advised I was working with XXXX and my insurance company it should have been disputed and/or placed on hold with H & R Accounts. This collection practice is unfair to  consumers, I have spent numerous hours calling and trying to understand how I was billed since there are several bills sent for one service and to make it more confusing XXXX includes other dates of services in on the bill. Even when I was not sure of the amount I owed, I still paid majority of the bill just b.c I did not want it to be placed on my credit until I could confirm the amount I owed. H & R advised if I pay the XXXX they will update my credit to show the amount paid however they would not remove it from my credit. I am asking that they remove it from my credit since it was placed on my credit while I was working with the hospital and insurance company to confirm the amount.