Medical Collections

[Why Chat]

Another question--when writing the letter to CRA after HIPAA letter using insert "a"--which report number do you use the original one you started with or say you have an updated one thats more recent?

 

Thanks anyone that knows this answer

The current up dated one-- however-- you may not need to do it at all if the account is no longer on your report

[WhtGhost]

Why Chat, I noticed today that a CA that I had gotten deleted is now reporting as of 1/2013 and is reporting as a paid medical.

 

This is one of my medical collections I started with in July 2012. I sent the CA the proper HIPAA letter CMRR on 8/16/12 with your help and sent the CRA the proper letter as well.

 

Equifax responded back as of 10/2/2012 That this CA was not reporting on my Credit report.

 

I have not EVER recieved anything from this collection agency EVER and

 

CREDITOR SERVICE OF MORGAN

 

 

Agency Address:

PO Box 58

Fort Morgan, CO 807010058

 

Date Reported:

02/2012

 

Date Assigned:

10/2010

 

Creditor Classification:

Medical/Health Care

 

Creditor Name:

UNIVERSITY PHYSICIANS IN

 

Account Number:

XXXXX

 

Account Owner:

Individual Account.

 

Original Amount Owned:

$78

 

Date of 1 st Delinquency:

04/2010

 

Balance Date:

02/2012

 

Balance Owned:

$0

 

Last Payment Date:

06/01/2011

 

Status Date:

02/2012

 

Status:

P - Paid

 

Comments:

Medical

 

Not sure what to do from here with this paticular account.

 

Thank you once again for your help

bump

[Why Chat]

 

Why Chat, I noticed today that a CA that I had gotten deleted is now reporting as of 1/2013 and is reporting as a paid medical.

 

Is this an account that was reporting as having a balance due, and you disputed and got it deleted and it now is reporting as a paid collection??

 

Did you pay the OC with the HIPAA letter?? Do you have the deletion letter from the CRA??

[WhtGhost]

6/21/12--This account "Creditor Service of Morgan" was on my report from Equifax 6/21/12. Reporting as a Paid

6/21/12--I sent Equifax the Pre HIPAA Dispute letter listing "Creditor Service of Morgan" as one of the records I had no knowledge of.

7/19/12--Recieved report from Equifax, there was nothing listed about "Creditor Service of Morgan"

8/16/12--sent DV letter to "Creditor Service of Morgan' when green card came back sent letter to Equifax with copy of green card

8/30/12--Sent DV letter to Equifax along with copy of green card

9/7/12--Sent letter to Equifax along with a copy of my Pre HIPAA Dispute telling them they did not report back and ask for deletion

10/2/12--Recieved reinvestigation from Equifax stating this "We have reviewed your concerns and our conclusions are:

Te disputed credit service of morgan account *******, is not reporting on the Equifax credit file.

 

I have not ever recieved any thing from "Creditor Service of Morgan" and the only response from Equifax was 10/2/12 saying its not being reported.

 

I did opt out and the only address on my Equifax credit report is the one I have now.

 

So why is it still on my report if it is not reporting? and What do I do next?

 

Thank you

[Why Chat]

.Send a new dispute to Equifax . Check your Eq report through the back door to make sure it had been re-inserted

 

7/19/12--Received report from Equifax, there was nothing listed about "Creditor Service of Morgan" do you have a hard copy??

10/2/12--Recieved reinvestigation from Equifax stating this "We have reviewed your concerns and our conclusions are:

Te disputed credit service of morgan account *******, is not reporting on the Equifax credit file. Did you keep a hard copy??

 

Send your new dispute to Equifax , properly typed CMRR,

 

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

 

 

Include copies of your "clean" report and a copy of the deletion letter they sent saying it was not reporting.

[WhtGhost]

.Send a new dispute to Equifax . Check your Eq report through the back door to make sure it had been re-inserted

 

7/19/12--Received report from Equifax, there was nothing listed about "Creditor Service of Morgan" do you have a hard copy?? yes

 

 

10/2/12--Recieved reinvestigation from Equifax stating this "We have reviewed your concerns and our conclusions are:

 

Te disputed credit service of morgan account *******, is not reporting on the Equifax credit file. Did you keep a hard copy?? yes

 

Send your new dispute to Equifax , properly typed CMRR, will send this today

 

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

 

 

Include copies of your "clean" report and a copy of the deletion letter they sent saying it was not reporting.ok

 

Thank you so much for all of your help

[WhtGhost]

 

.Send a new dispute to Equifax . Check your Eq report through the back door to make sure it had been re-inserted

 

7/19/12--Received report from Equifax, there was nothing listed about "Creditor Service of Morgan" do you have a hard copy?? yes

 

 

10/2/12--Recieved reinvestigation from Equifax stating this "We have reviewed your concerns and our conclusions are:

 

Te disputed credit service of morgan account *******, is not reporting on the Equifax credit file. Did you keep a hard copy?? yes

 

Send your new dispute to Equifax , properly typed CMRR, will send this today

 

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

 

 

Include copies of your "clean" report and a copy of the deletion letter they sent saying it was not reporting.ok

 

Thank you so much for all of your help

The letter I recieved from Equifax states >>>WE have reviewed your concerns and our concllusions are:

The disputed account morgan account /********, a 1 collection /********* and collection /613 are currently Not reporting on the Equifax credit file.

 

When I pull up my Equifax credit file-- lol --yes they are all showing--????

also I have not ever recieved anything from these 3 CA's.

 

What do I do now?

Thank you so much for your time and patience with me and these issues.

[Why Chat]

Call them and ask to speak to a supervisor. If you can not get it resolved that way, file a complaint with the FTC and the CFPB and send them a copy of each with the cover letter.

 

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

Make sure you list in your complaints ALL your correspondence and the telephone call results .

[WhtGhost]

Okay I will call first thing Monday morning