Product: Debt collection

I am reporting a potentially fraudulent credit collection and reporting issue. Recently, I was advised by XXXX XXXX that Capio Partners posted a collection account on my XXXX  report. The information provided by XXXX XXXX was that it was for {$360.00} for XXXX XXXX XXXX. I have no knowledge of XXXX XXXX XXXX  and I have not had any recent medical treatment that would have required the services of a XXXX. I tried to dispute the charge through XXXX XXXX but was advised that it was unable to process disputes due to the COVID-19 situation. 

I contacted Capio Partners ( XXXX ) and spoke to an individual named XXXX ( or perhaps XXXX ). She did advise that it was for medical services purportedly provided on XX/XX/XXXX or XXXX, 2016 ; four years ago. I advised her that I was not familiar with XXXX XXXX XXXX  and attempted to obtain additional information from her to determine whether this was a legitimate charge. She would not provide any additional information and stated that she did not have any additional information, but repeatedly demanded to know how I wanted to take care of this charge. When I asked additional questions trying to determine the basis of the underlying charge and for other basic information, she became rude and combative and ultimately hung up on me. 

In XX/XX/2016, XXXX was my medical insurance provider. I contacted XXXX ( XXXX ) and spoke with an individual named XXXX ( I.D . No. XXXX ). I asked her if she could look up my account and determine whether XXXX XXXX XXXX  submitted a bill for services purportedly performed on XX/XX/XXXX or XXXX, 2016. She looked up my account and specifically focused on the treatment that I did receive on XX/XX/XXXX and XXXX, 2016. She went through the bills that had been submitted and that XXXX had paid either fully or partially, and provided information as to the doctors that had submitted billings. She informed me that she had no record of any billings submitted by XXXX XXXX XXXX  or from anyone in the amount of {$360.00}. She put me on hold and attempted to contact XXXX XXXX XXXX to obtain additional information about the charge. Ultimately, she informed me that she was unable to actually speak with anyone but did leave several messages for call backs, and that she would contact me once she was able to obtain any additional information. I was given a reference number of XXXX. To date, I have not received a call back from XXXX or anyone else from XXXX. 

I have numerous concerns about the validity of this charge that suggest that it is fraudulent and/or part of fraudulent scheme. First, it was posted to my credit report almost four ( 4 ) years after the services were allegedly provided. This seems odd. 
Also, in XX/XX/2016, I did receive medical treatment and observation for questionable XXXX test that I received at a XXXX XXXX I was sent to XXXX Hospital in XXXX, Florida and the emergency doctor was concerned with the results of the test and wanted to keep me overnight for observation until a XXXX  could review the XXXX results. In the morning, the XXXX  reviewed the XXXX result and was satisfied that nothing was wrong, and I was discharged subject to authorization from an XXXX. I waited for the XXXX  in the hospital room ; I did not receive any additional testing or other medical procedures or treatment. I was ultimately discharged without any additional testing or medical procedures. The point is, I was in the hospital for a XXXX  issue, which the emergency room doctor and XXXX  both reviewed. Why would there be any need for a XXXX   to perform any services or treatment for my suspected XXXX  issue? 

Finally, as noted above, I contacted XXXX and the individual assisting was able to access my account and review the billing information for the XX/XX/2016 incident. She informed me that XXXX had not received any bills from XXXX XXXX XXXX  or from anyone for {$360.00}. If this was a legitimate charge for services actually performed, why would the service provider or individual doctor not submit a bill to XXXX, my insurance provider, for payment? 

So, my complaint is against both Capio Partners and XXXX XXXX XXXX. I have a derogatory remark on my credit report. I have not been able to obtain any additional information to evaluate the validity or basis of the reported charge, and the reported charge is highly suspicious and appears to be potentially fraudulent. 
Please let me know if you need any additional information.