Paid Collection Removed from all but TU

[jumpstreet]

Hi,

 

Up until May of this year, I had an unpaid medical account in collections. In my state, because the bill was owed to a state-owned hospital there was no SOL for the debt. And, given my upcoming career (and relevant professional applications for this career) I was not able to play "fast-and-loose" with CAs or CRAs by disputing the debt as not mine.

 

So, I contacted the OC and was able to negotiate a PFD. Big win here, IMO, as the debt was nearly 7 years old and set to fall off my credit reports 3 months or so from today. The OC has a policy that any debt sent to collections that is subsequently paid within 30 days will be removed from collections. So, to have the OC extend the 30-day limit to nearly 7 years for my case was awesome. And, the higher up I spoke with at the OC apparently had access to and substantial control over the CAs system/computers/or whatever.

 

I know, you may be thinking - why not wait it out and let the debt fall of your credit reports - well, one of my professional applications is due before the fall off date so I needed to responsibly settle the debt and have it removed (so as to not appear financially irresponsible).

 

After I paid the debt the OC higher up upheld her end of our bargain. The collection account was promptly deleted from EX and EQ. I called back to notify her that TU still reported it. It is my understanding that she attempted to have the collection removed from all 3 CRAs at the same time. But, it appears that TU, for whatever reason, is unwilling to remove the collection or are dragging their feet on the matter.

 

Now a few dates:

 

4-23-2012 Payment received by OC.

5-08-2012 Updated credit report revealed collection removed from EX and EQ, but not from TU.

6-07-2012 Updated credit report available thru my credit monitoring service (I could wait until then to see if TU has removed the collection account, but I want to get out front of this if need be)

 

At this point, how should I go about removing the paid collection from TU?

 

Keep in mind that I will not dispute the debt as "not belonging to me." Will sending TU a copy of my receipt showing the debt was paid to the OC convince them to remove it? I'm a bit skeptical of this approach as they may reply that they are obligated to report the collection despite the debt has been fully settled with the OC and that the OC requested its deletion.

 

Best,

jumpstreet

[jumpstreet]

**bump**

[park77]

I thought that once medical collections served no purpose they were to be removed from your report. Medical collections are different from regular credit collections from my understanding. I am no expert but would like someone to clear this up for jumpstreet and myself.

 

Thanks

[Why Chat]

When disputing with the HIPAA letter program one is NOT disputing the original debt as "not mine" you are disputing the right of the reporting CA to attempt to collect on the account.

 

Opt out

http://www.whychat.5u.com/OPTOUTINST.HTML

Send any CRA where the medical account is reporting this:

http://www.whychat.5u.com/hipaadisp.html

 

OC ( Original creditor) health care providers are not permitted to report directly, only a CA can do so.

 

It is more than likely that the reason the accounts "dropped off" this poster's reports is because they were obsolete, however there is also the chance that IF the reporting CA was the ORIGINAL assigned CA from the OC that the accounts may reappear as a "paid" collection.

 

In response to "Park77" There is no purpose other than to collect $$ for any account to be listed on any report. Some States, like Mass. have restrictions against allowing CAs to report, there is also pending Federal legislation that would prohibit paid medical accounts from being reported, however it is doubtful that this legislation, or any other consumer friendly legislation will get through THIS Congress.

 

Most medical accounts reporting are being reported by CAs who were not directly assigned the account by the OC, this is particularly true if the medical services are over 2 years ago. The CAs who are reporting obtained the accounts from data miners, who obtained the accounts either from the original CAs or from a "data dump" by the OC of written off uncollectible accounts.

[jumpstreet]

When disputing with the HIPAA letter program one is NOT disputing the original debt as "not mine" you are disputing the right of the reporting CA to attempt to collect on the account.

 

Opt out

http://www.whychat.5...OPTOUTINST.HTML

Send any CRA where the medical account is reporting this:

http://www.whychat.5.../hipaadisp.html

 

OC ( Original creditor) health care providers are not permitted to report directly, only a CA can do so.

 

It is more than likely that the reason the accounts "dropped off" this poster's reports is because they were obsolete, however there is also the chance that IF the reporting CA was the ORIGINAL assigned CA from the OC that the accounts may reappear as a "paid" collection.

 

In response to "Park77" There is no purpose other than to collect $ for any account to be listed on any report. Some States, like Mass. have restrictions against allowing CAs to report, there is also pending Federal legislation that would prohibit paid medical accounts from being reported, however it is doubtful that this legislation, or any other consumer friendly legislation will get through THIS Congress.

 

Most medical accounts reporting are being reported by CAs who were not directly assigned the account by the OC, this is particularly true if the medical services are over 2 years ago. The CAs who are reporting obtained the accounts from data miners, who obtained the accounts either from the original CAs or from a "data dump" by the OC of written off uncollectible accounts.

 

 

Why Chat, the "Pre Hippa Medical Dispute Letter to CRA" says - "I have no knowledge or records of account # xxxxx from xxxxxx on my report # xxxxx."

And you said "When disputing with the HIPAA letter program one is NOT disputing the original debt as "not mine" you are disputing the right of the reporting CA to attempt to collect on the account."

 

Well, I do have knowledge and records of the collections account. So, if I send the "Pre Hippa Medical Dispute Letter to CRA" with the "no knowledge or records" language to TU, then I would be lying which, to me, is on par with saying that the reported but paid bad debt is "not mine."

 

Since I do not want to disclaim the debt, should I edit out the "no knowledge or records" language and insert something along the lines that the "debt has been paid and is only being reported by [insert name of CRA], not [insert names of other two CRAs]"?

 

Thanks.

 

 

[LizaW]

Most medical accounts reporting are being reported by CAs who were not directly assigned the account by the OC, this is particularly true if the medical services are over 2 years ago. The CAs who are reporting obtained the accounts from data miners, who obtained the accounts either from the original CAs or from a "data dump" by the OC of written off uncollectible accounts.

 

So you're saying that most medical accounts have no assignment authority and haven't purchased the debts? That would imply that they are either engaging in fraud (collecting a debt they have no right to), and reporting a debt that they have no right to collect (a violation of the FDCPA, I think)?

 

If this is the case, then seeking proof that they have the right to collect it would prove pretty effective. Or have I misunderstood you?

 

 

 

Since I do not want to disclaim the debt, should I edit out the "no knowledge or records" language and insert something along the lines that the "debt has been paid and is only being reported by [insert name of CRA], not [insert names of other two CRAs]"?

 

You did a PFD and the OC has tried to do right by you. You shouldn't have any trouble getting this person to put in writing that the debt should be removed from your reports. You can then fax that letter to the CRA as many times as it takes for them to remove the TL.

[jumpstreet]

Most medical accounts reporting are being reported by CAs who were not directly assigned the account by the OC, this is particularly true if the medical services are over 2 years ago. The CAs who are reporting obtained the accounts from data miners, who obtained the accounts either from the original CAs or from a "data dump" by the OC of written off uncollectible accounts.

 

So you're saying that most medical accounts have no assignment authority and haven't purchased the debts? That would imply that they are either engaging in fraud (collecting a debt they have no right to), and reporting a debt that they have no right to collect (a violation of the FDCPA, I think)?

 

If this is the case, then seeking proof that they have the right to collect it would prove pretty effective. Or have I misunderstood you?

 

 

 

Since I do not want to disclaim the debt, should I edit out the "no knowledge or records" language and insert something along the lines that the "debt has been paid and is only being reported by [insert name of CRA], not [insert names of other two CRAs]"?

 

You did a PFD and the OC has tried to do right by you. You shouldn't have any trouble getting this person to put in writing that the debt should be removed from your reports. You can then fax that letter to the CRA as many times as it takes for them to remove the TL.

 

 

Thanks, LizaW, for the advice. I will definitely try to get the OC person to put something in writing.

 

 

[Why Chat]

Most medical accounts reporting are being reported by CAs who were not directly assigned the account by the OC, this is particularly true if the medical services are over 2 years ago. The CAs who are reporting obtained the accounts from data miners, who obtained the accounts either from the original CAs or from a "data dump" by the OC of written off uncollectible accounts.

 

So you're saying that most medical accounts have no assignment authority and haven't purchased the debts? That would imply that they are either engaging in fraud (collecting a debt they have no right to), and reporting a debt that they have no right to collect (a violation of the FDCPA, I think)?

 

If this is the case, then seeking proof that they have the right to collect it would prove pretty effective. Or have I misunderstood you?

 

 

 

Since I do not want to disclaim the debt, should I edit out the "no knowledge or records" language and insert something along the lines that the "debt has been paid and is only being reported by [insert name of CRA], not [insert names of other two CRAs]"?

 

You did a PFD and the OC has tried to do right by you. You shouldn't have any trouble getting this person to put in writing that the debt should be removed from your reports. You can then fax that letter to the CRA as many times as it takes for them to remove the TL.

 

 

Thanks, LizaW, for the advice. I will definitely try to get the OC person to put something in writing.

You can do what you want, however "LizaW" is full of crap!!

She has bungled her own HIPAA dispute and is giving out very bad advice.

 

You can follow my advice, ( check how long I have been on this forum) or take the advice of a misinformed newbie.

[LizaW]

You can do what you want, however "LizaW" is full of crap!!

She has bungled her own HIPAA dispute and is giving out very bad advice.

 

You can follow my advice, ( check how long I have been on this forum) or take the advice of a misinformed newbie.

 

Well, for the record, I've been getting things removed from credit reports for more than twice as long as this forum has been in existence. I really don't understand why you feel the need to attack me like this. In fact, earlier I drew a conclusion from what you said and asked you a question. I was being polite to you. It seems you've taken offense that I was able to provide some useful advice to someone else.

 

Please stop lying about me engaging in your HIPAA process-- I don't have a time machine, I had never heard of you, and you have yet to give a single bit of concrete evidence that I've done anything wrong.

 

Further, what is the point of making things personal like this? Even if we disagree, can't we discuss the matter reasonably? Why all the personal attacks and disparagement?

 

If you're going to accuse me of saying something is wrong, you need to provide an exact quote of what I said wrong, with sufficient context, and a citation in law, that supports your claim, and an exact, and detailed, logical, coherent description of exactly how I am wrong. Otherwise, you're just calling me "wrong" the way kids call each other names on the playground.

Edited June 2, 2012 by LizaW

[MarvBear]

20 years..........of getting things removed.........Wow. Then you should be able to impress us with your learned knowledge.

[breeze]

Liza, do you do this for a living? Your reports would be clean by now, I would think.

 

This forum is about Why Chat's HIPAA process. It's not a "free-for-all any kind of internet guru" type forum.

[park77]

Well, this thread took an unexpected turn.

[Why Chat]

Well, this thread took an unexpected turn.

Sorry about your thread being "Hijacked" by what we call a "Troll". In the early days of credit forums 10-13 years ago, there were no moderators and there were a lot more "flame wars".

 

To get back to your original question. Yes, you have knowledge of the initial medical treatment and bill, and yes, the OC had a right to assign the account for collection to a CA, and yes, THAT CA had a right to report and to try to collect on the account, HOWEVER, you have NO KNOWLEDGE OR RECORDS of the CURRENT reporting CA being the SAME one that the OC assigned the account to. THAT is the purpose of the language in the initial dispute letter.

http://whychat.5u.com/hipaadisp.html

 

Generally speaking, the initial dispute letter to TU should work to get it off your report, however, if it does NOT, then you send the reporting CA this:

 

http://whychat.5u.com/ltrcavalhipaa.html#PAID

 

and then as soon as you have proof of receipt, send TU this:

http://whychat.5u.com/ltrcavalhipaa.html#DISPUTE