If “Frost-Arnett” turned up in a letter, a text message or on your credit report, the bill behind it began with a healthcare provider: Frost-Arnett says it is a third-party debt collector that works on behalf of healthcare providers. When a medical collection on your credit report is wrong, federal law gives you the right to dispute it and, in some cases, sue over it.
Who Frost-Arnett is
Frost-Arnett Company says it has served clients since 1893, that its headquarters are in Nashville, Tennessee, and that it runs a call center in Campbellsville, Kentucky. It describes its work as resolving patient-pay balances for healthcare clients, from physician practices to health systems.
Frost-Arnett is no longer independent. Harris & Harris, Ltd., an accounts receivable management company based in Chicago, announced on May 1, 2026 that it had acquired Frost-Arnett, and Frost-Arnett’s website now says it “has been acquired by Harris & Harris.” Its payment site, FAC Payments (facpayments.com), calls itself the payment portal for “Frost-Arnett LLC, a Harris & Harris organization.” Frost-Arnett’s websites list Nevada collection license CAD11454 and NMLS ID 1124656.
Does Frost-Arnett report to the credit bureaus?
Frost-Arnett’s website does not say whether, or to which bureaus, it reports accounts. Its FAQ raises credit reporting only this way: “If your account has been reported to a credit bureau, the debt collector must inform them that the debt is disputed.” To find out, read your own reports: the FTC says Equifax, Experian and TransUnion let you check each one free weekly at AnnualCreditReport.com, and federal law entitles you to a free report from each once every 12 months on request (15 U.S.C. § 1681j(a)(1)).
Under Regulation F, a debt collector may not furnish information about a debt to a consumer reporting agency until it has spoken to you about the debt in person or by phone, or has mailed or electronically sent you a message about it and waited a reasonable time for any notice that the message could not be delivered (12 C.F.R. § 1006.30(a)).
How a Frost-Arnett medical collection shows on a report
Because Frost-Arnett collects for healthcare providers, one bill carries two names: the hospital, practice or other provider where the care was given, and Frost-Arnett as the collector.
A healthcare provider, or the provider’s agent or assignee, that furnishes information to a credit bureau is treated as a medical information furnisher and must tell the bureau of that status (15 U.S.C. § 1681s-2(a)(9)). A bureau generally may not include such a furnisher’s name, address and phone number in a report unless they are restricted or coded so that no one but you can identify the specific provider or the kind of care (§ 1681c(a)(6)).
The bureaus’ medical collection rules: paid, one year, under $500
Equifax, Experian and TransUnion announced three changes to medical collection reporting in 2022 and 2023:
- Paid medical collections. Since July 1, 2022, the bureaus say, medical collection debt paid in full is no longer included on U.S. credit reports.
- A one-year wait. The bureaus increased the time before unpaid medical collection debt appears on a report from six months to one year.
- Balances under $500. Since April 2023, the bureaus say, medical collection debt with an initial reported balance under $500 is no longer included.
These are the bureaus’ own policies, and Equifax’s consumer pages describe them as current. An unpaid medical collection of $500 or more can still be reported, but generally for no more than seven years, a period that starts 180 days after the delinquency that led to the collection began (15 U.S.C. § 1681c(a)(4), (c)(1)).
Where a Frost-Arnett entry can go wrong
An accurate collection that is yours can lawfully stay: the FCRA requires deletion only of information that is inaccurate, incomplete or cannot be verified (15 U.S.C. § 1681i(a)(5)(A)). Look for these mismatches:
- A paid bill, a balance under $500, or an entry that came too soon. Under the bureaus’ policies, paid and under-$500 medical collections are not included, and unpaid ones wait a year. See paid off but still reporting.
- A dispute the entry does not show. A furnisher that knows you dispute an item may not report it without noting the dispute (15 U.S.C. § 1681s-2(a)(3)), and the FDCPA lists a collector’s failure to communicate that a disputed debt is disputed among false, deceptive or misleading practices (15 U.S.C. § 1692e(8)).
- A date that restarts the clock. The CFPB lists an incorrect date of first delinquency among common errors. A collection furnisher must report the month and year the delinquency began (§ 1681s-2(a)(5)), and the seven-year period is measured from that delinquency, not from the date a collector got the account (§ 1681c(c)(1)).
- Someone else’s bill. The CFPB lists accounts belonging to someone with a similar name, mixed files and identity theft, and the FTC warns that an identity thief may use your health insurance to get medical care. See a collection that is not yours, mixed credit files and identity theft on a credit report.
- The wrong balance, or one bill listed twice. The CFPB lists an incorrect current balance and the “same debt listed more than once, possibly with different names” among common errors.
How to dispute a Frost-Arnett entry
With the credit bureaus. Dispute in writing with each bureau that shows the entry. Say exactly what is wrong and send copies of your proof, such as the provider’s bill, your insurer’s explanation of benefits or payment records, and keep proof of mailing. The credit dispute letter page has the structure.
The bureau must reinvestigate free, generally within 30 days, and notify the furnisher within five business days (15 U.S.C. § 1681i). The furnisher must then investigate and modify, delete or permanently block what is inaccurate, incomplete or unverifiable (§ 1681s-2(b)). That duty starts with the bureau’s notice, so send the bureau dispute even if you also write to Frost-Arnett.
With Frost-Arnett. Its FAQ says a dispute “must be submitted in writing” and gives the address as Attn.: Dispute Resolution Department, P.O. Box 198988, Nashville, Tennessee 37219-8988, with 877-290-9291 for dispute questions; its patient services page lists 877-753-9851 for account questions. If your letter or report gives a different address, send a copy there too. The debt verification letter template covers what a written dispute to a collector should say.
Federal rules require a furnisher to reasonably investigate a direct dispute sent to the address it specifies or the one on your report (12 C.F.R. § 1022.43), but that rule is enforced by federal and state officials, not by private suit (§ 1681s-2(c), (d)), which is why the bureau dispute matters.
When a Frost-Arnett error becomes a legal claim
If a Frost-Arnett entry was not accurate, you disputed it with the bureau, and it came back verified, the law may give you a claim:
- The furnisher’s investigation (15 U.S.C. § 1681s-2(b)). The furnisher must investigate a dispute the bureau forwards.
- Accuracy and reinvestigation (15 U.S.C. §§ 1681e(b), 1681i). The bureau must follow reasonable procedures to assure maximum possible accuracy and reasonably reinvestigate your dispute.
- False credit information (15 U.S.C. § 1692e(8)). The FDCPA bars a debt collector from communicating credit information it knows or should know is false, including by failing to communicate that a disputed debt is disputed. Frost-Arnett calls itself a debt collector.
Under the FCRA, a negligent violation allows actual damages plus attorney’s fees (§ 1681o); a willful one allows actual damages or statutory damages of $100 to $1,000, punitive damages as the court allows, and fees (§ 1681n). Suit must be filed by the earlier of two years after you discover the violation or five years after it occurs (§ 1681p). Under the FDCPA, an individual may recover actual damages, additional damages of up to $1,000 as the court allows, and, in a successful action, costs and a reasonable attorney’s fee, within one year of the violation (15 U.S.C. § 1692k). The FCRA lawsuit page covers what comes after a failed dispute, and the guide to removing collections from a credit report covers the steps before it.
I handle these cases on contingency. The cases I have filed include a son’s medical collection on his father’s reports, an emergency-room bill the insurer should have paid that went to collections over a billing code, and medical collections that gave no credit for payments the consumer had made. Frost-Arnett sits alongside Medicredit, HRRG, Americollect and State Collection Service in the medical debt collectors directory; the debt collectors and furnishers directory lists the rest.
Have your Frost-Arnett entry reviewed
Send me the report page showing the Frost-Arnett entry, the bill behind it, and whatever came back after your dispute, and I will tell you whether I see a claim. The FCRA attorney page covers how these cases work. Contact the firm to have your report reviewed.
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This page is about credit reporting accuracy. The Kim Law Firm is not affiliated with Frost-Arnett Company, Harris & Harris, Ltd., FAC Payments, Equifax, Experian, TransUnion, or any healthcare provider or collector named on this page, and this page is not a complaint about any of them. It describes how medical collection entries can appear on credit reports and the rights consumers have when an entry is wrong.