Is it legal for a doctor’s office to report an unpaid “missing appointment charge” to a collection agency and then the agency reports it to the credit bureau? Yes, they are perfectly within their rights to do so.
If a “missing appointment charge” or a medical bill goes unpaid long enough for the medical provider’s to sell or turn over the debt to a collection agency, most collectors do report accounts to the credit bureaus. And they are perfectly within their rights to do so. That can take your credit score down 30-60 points.