<human>: Can you condense the text into three sentences or less?

any(most) comments/insights are appreciated..

a few years ago, my wife & daughter were involved in a bad car accident. they were flown to the local hospital for treatment.

Our insurance co. received separate bills from the airlife transport company.

fast forward 3 years...

amongst the many dozens of bills that came in, I guess one of them for my daughter fell through the cracks. The transport company wrote it off their books and I suppose sold it to a collection agency.

The problem is that the collection agency has no record they, nor the transport company, ever billing us for the remainder of the balance - only that they had directly contacted my atty and reported us to the credit agency which adversely affected my previously pretty darn decent credit score (about 760+).

I instructed our attorney to negotiate a settlement amount if possible but the collections agency is unwilling to budge.

My atty says that they may be in violation of the Federal and Texas statutes on debt collection b/c they haven't proven we were ever billed for that remainder, but we would have to file suit against them and show how we were damaged i.e. credit rating etc.. mentioned above.
<bot>: Collection agency reported to credit agency adversely affecting my credit score without notifying me there was a balance due - possibly in breach of state & federal statutes.