How to proceed with Joint Medical Collection

gsxrmike · February 5, 2013

So, the story continues...

I checked my USAA CCM this morning, pulled all 3 reports, and found that the CA updated the amount owed on one of the TL's on my EX CR.

I checked my wife's USAA CCM this morning, pulled all 3 reports, and found that the CA added a TL to her EX CR. The TL is one that's on my EX and TU CR (The one that TU verified when I initially disputed). When the CA sent me the response to the DV they list this account as being for services that were provided to me. Not sure how they could add that to my wife's CR...

Now here is the weird part. The EX Plus Score (which I know isn't FICO or even FAKO), shot up an insane amount for both of us. I went up 76 points, she went up 53 points. I'm so confused how that even happened...

Sorry to throw all this info at you. I just need to know how to proceed with the response I received from EX in the above post, and how to proceed with this odd scenario where the CA updated after acknowledging C&D.

Thanks Why Chat!!!

Why Chat · February 5, 2013

The USAA is a 3rd party reporting system. Check each report individually through the back door.

If Ex or any CRA verified AFTER you had sent the medical DV and copy with cover letter to the CRA then please let me know.

It is hard to tell exactly what you have and have not done and from whence you are getting your "results"

gsxrmike · February 6, 2013

The USAA is a 3rd party reporting system. Check each report individually through the back door.

If Ex or any CRA verified AFTER you had sent the medical DV and copy with cover letter to the CRA then please let me know.

It is hard to tell exactly what you have and have not done and from whence you are getting your "results"

I checked my EX via backdoor and it shows the two items are currently being investigated. The CA had to have updated the info as of last night, because I pulled my report yesterday and today and the amount due changed on one of the TL's. FYI, I sent a 2nd letter to EX after they wouldn't validate at first (they said my letter was suspicious). TU had deleted one and validated the other, so I sent the CA the DV at the same time I sent EX the follow up letter with a copy of my DL, utility bill, SSN card, etc. asking them to process my dispute. These may be overlapping efforts, but my issue is that the CA obviously updated the TL with new information after they said they acknowledged my C&D. I already sent TU the follow up CRA letter after getting the green RR copy back from the CA DV I sent. TU won't let me access via backdoor anymore (guess I need to buy another report?)

I checked my wife's EX and it shows all five items as being closed collections and in the comments section it says "Account in dispute-reported by subscriber". EX has yet to send her anything from the CRA follow up letter that was sent after we received the green RR card from the CA DV letter.

Thoughts?

Why Chat · February 6, 2013

You need to wait a few weeks until you get a response to your recent disputes.

What source did you use to get this data?

I checked my wife's EX and it shows all five items as being closed collections

gsxrmike · February 7, 2013

You need to wait a few weeks until you get a response to your recent disputes.

Okay, so I'll wait a few weeks for EX to reply to my dispute. Does this mean their letter about not having to provide signed slips/receipts/etc. was just a standard reply and not the actual results of the dispute? I never know with EX, because I've received letters in the past from them that don't state the exact income and it always makes me feel like they're beating around the bush.

"I checked my wife's EX and it shows all five items as being closed collections"

What source did you use to get this data?

I tried to access her EX report via backdoor, but couldn't, so I ended up ordering another report for her from EX's site (cost $10). That report showed that the accounts were listed as closed, but showed updated amounts. This probably explains why she and I both took such big jumps in the PLUS score on the USAA site.

Why Chat · February 7, 2013

You need to wait a few weeks until you get a response to your recent disputes.

Okay, so I'll wait a few weeks for EX to reply to my dispute. Does this mean their letter about not having to provide signed slips/receipts/etc. was just a standard reply and not the actual results of the dispute? I never know with EX, because I've received letters in the past from them that don't state the exact income and it always makes me feel like they're beating around the bush.

>"I checked my wife's EX and it shows all five items as being closed collections"

What source did you use to get this data?

I tried to access her EX report via backdoor, but couldn't, so I ended up ordering another report for her from EX's site (cost $10). That report showed that the accounts were listed as closed, but showed updated amounts. This probably explains why she and I both took such big jumps in the PLUS score on the USAA site.

Are those accounts showing in the area of "derogatory" accounts?? If so then you may be able to use the follow up disputes. If they are NOT in the derogatory section then leave them alone because they are showing as "paid as agreed".

gsxrmike · February 7, 2013

They're reporting in the area of derogatory accounts. They say potentially negative closed. I already sent the EX follow up dispute letter after she received the green card from the CA DV letter. EX has yet to get back to her.

I'm still waiting for EX to validate the accounts after I replied to their suspicious inquiry letter they sent me based upon my initial CRA dispute letter.

Why Chat · February 7, 2013

OK,

If Ex does not delete then you go to the next step which is a complaint to the FTC and Consumer bureau:

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

gsxrmike · February 8, 2013

Interestingly enough, EX came back and said that all 4 accounts on my wife's report will remain. Guess I'll start the FTC and CFPB complaint process. Here we go...

gsxrmike · February 8, 2013

Here's my draft letter to EX. I filed the FTC and CFPB complaints and printed copies prior to submitting. Let me know if you think the letter needs any edits:

"NCAC

Compliance Dept.

PO Box 9701

Allen, TX 75013

Dear Experian,

My name is Jane Doe, my SSN # is XXX-XX-XXXX.

I am sending this dispute certified mail #XXXXXXXXXXXXXXXX to make sure you receive it.

I have no knowledge or records of the following account(s) on my report

# XXXXXXXX from Dirtbag CA

Per your letter dated 1/31/2013 (copy enclosed), you have failed to provide me with the information that I requested in my letter dated 1/24/2013 (copy enclosed, with signed receipt). I have filed appropriate complaints against you with the FTC and CFPB for FCRA and FACTA violations (copies enclosed).

I reserve the right to take further action including filing appropriate complaints with the OCR on HIPAA violations, the California Attorney General under the penalty rules of the HITECH Act as issued 11/30/2009, California's consumer protection agencies, the BBB and to take civil action to recover damages.

Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on “Abusive” Acts or Practices (Section 1031 of the Dodd-Frank Act)."

Thoughts?

Why Chat · February 8, 2013

You should add this phrase:

I also hereby reserve my right to take private civil action against you to recover damages.

gsxrmike · February 9, 2013

You should add this phrase:

I also hereby reserve my right to take private civil action against you to recover damages.

Okay, updated the letter and sent it to EX yesterday via CMRR with all the copies of previous letters, RR's, and complaints to FTC and CFPB. Does this step usually get the items removed, or will I really need to proceed with the State AG's office, BBB, OCR, and civil suit? Just curious what is likely to occur, from your experience and knowledge.

Switching gears to my situation:

Checked my EX backdoor this morning. No longer says items are in dispute. It shows this: "This account is scheduled to continue on record until Jan 2015. This item was updated from our processing of your dispute in Feb 2013."

So...should I file FTC and CFPB complaints against EX now? It's a strange scenario, because at first they thought my letter was suspicious, so I sent the follow up with a copy of my DL, SSN card, utility bill and asked them to process my valid dispute. At the same time I launched the CA the DV letter, which I have the RR card and have received a reply from the CA, but it's missing some of the validation info (signed agreement between them and the OC and signed agreement that I would pay the debt). I have yet to send EX the follow up CRA dispute with copy of CA DV letter. Should I do that or should I proceed straight to FTC and CFPB dispute? I'm also waiting for TU to get back to me, because I did send them the CRA follow up letter on Jan. 24th. I can't check TU backdoor, maybe I need to purchase a new report to do so.

Thanks again

Why Chat · February 9, 2013

You should add this phrase:

I also hereby reserve my right to take private civil action against you to recover damages.

Okay, updated the letter and sent it to EX yesterday via CMRR with all the copies of previous letters, RR's, and complaints to FTC and CFPB. Does this step usually get the items removed, or will I really need to proceed with the State AG's office, BBB, OCR, and civil suit? Just curious what is likely to occur, from your experience and knowledge.

Switching gears to my situation:

Checked my EX backdoor this morning. No longer says items are in dispute. It shows this: "This account is scheduled to continue on record until Jan 2015. This item was updated from our processing of your dispute in Feb 2013."

So...should I file FTC and CFPB complaints against EX now? It's a strange scenario, because at first they thought my letter was suspicious, so I sent the follow up with a copy of my DL, SSN card, utility bill and asked them to process my valid dispute. At the same time I launched the CA the DV letter, which I have the RR card and have received a reply from the CA, but it's missing some of the validation info (signed agreement between them and the OC and signed agreement that I would pay the debt). I have yet to send EX the follow up CRA dispute with copy of CA DV letter. Should I do that or should I proceed straight to FTC and CFPB dispute? I'm also waiting for TU to get back to me, because I did send them the CRA follow up letter on Jan. 24th. I can't check TU backdoor, maybe I need to purchase a new report to do so.

Thanks again

I am confused. You said

updated the letter and sent it to EX yesterday via CMRR with all the

copies of previous letters, RR's, and complaints to FTC and CFPB.

And then you asked--

Should I do that or should I proceed straight to FTC and CFPB dispute?

Did you or did you NOT file a complaint against Ex with the FTC and CFPB and send them copies with a cover letter??

gsxrmike · February 9, 2013

You should add this phrase:

I also hereby reserve my right to take private civil action against you to recover damages.

Okay, updated the letter and sent it to EX yesterday via CMRR with all the copies of previous letters, RR's, and complaints to FTC and CFPB. Does this step usually get the items removed, or will I really need to proceed with the State AG's office, BBB, OCR, and civil suit? Just curious what is likely to occur, from your experience and knowledge.

Switching gears to my situation:

Checked my EX backdoor this morning. No longer says items are in dispute. It shows this: "This account is scheduled to continue on record until Jan 2015. This item was updated from our processing of your dispute in Feb 2013."

So...should I file FTC and CFPB complaints against EX now? It's a strange scenario, because at first they thought my letter was suspicious, so I sent the follow up with a copy of my DL, SSN card, utility bill and asked them to process my valid dispute. At the same time I launched the CA the DV letter, which I have the RR card and have received a reply from the CA, but it's missing some of the validation info (signed agreement between them and the OC and signed agreement that I would pay the debt). I have yet to send EX the follow up CRA dispute with copy of CA DV letter. Should I do that or should I proceed straight to FTC and CFPB dispute? I'm also waiting for TU to get back to me, because I did send them the CRA follow up letter on Jan. 24th. I can't check TU backdoor, maybe I need to purchase a new report to do so.

Thanks again

I am confused. You said

>updated the letter and sent it to EX yesterday via CMRR with all the

copies of previous letters, RR's, and complaints to FTC and CFPB.

And then you asked--

Should I do that or should I proceed straight to FTC and CFPB dispute?

Did you or did you NOT file a complaint against Ex with the FTC and CFPB and send them copies with a cover letter??

Sorry for the confusion.

I did file and FTC and CFPB complaint for my wife and sent another follow up letter to EX.

I am wondering if now I should (for my report) file a complaint with the FTC and CFPB (similar to my wife's) since I checked my EX backdoor and it says that the items will remain. I never actually sent the CRA follow up letter to EX for my disputed items. I sent them the second request letter with copies of my DL, SSN card, bill, etc. asking them to process my valid dispute. At the same time I went ahead and sent the CA the DV letter (maybe I screwed up here?). I want to know if I should now send EX a copy of the dispute letter I sent to the CA along with a copy of their signed RR and ask EX to re-dispute, or if I should just proceed straight to the FTC and CFPB complaint. I could always send another DV letter to the CA so that it lines up from a timing perspective, if that matters.

Why Chat · February 9, 2013

OK, send Ex the follow up dispute with the copy of the medical DV and proof of delivery. If that doesn't work, you can THEN do the FTC and CFPB complaint.

Those complaints need to be done only as a last resort if you have completed ALL of the possible disputes in the HIPAA letter program.

gsxrmike · February 11, 2013

OK, send Ex the follow up dispute with the copy of the medical DV and proof of delivery. If that doesn't work, you can THEN do the FTC and CFPB complaint.

Those complaints need to be done only as a last resort if you have completed ALL of the possible disputes in the HIPAA letter program.

Ok, will do. Thanks for the help.

Got another question for you. When I first started this venture my wife had 4 accounts on her reports and I had 2. One of the accounts on my reports was joint, the other was just listed as being under me only. I pulled my wife's reports this morning and found that the 1 account that was only listed under my name is now reporting on her EX and TU reports. I'd saw it on EX a few days ago and went ahead and included it in the dispute with the FTC and CFPB, along with the additional follow-up letter I sent to EX. It's reporting on EX as a closed collection and on TU as an open collection. How should I go about disputing the account with TU? They removed the initial 4 accounts that she had from the very first CRA dispute letter that I sent. Should I send that again for this 1 account? Would I put that in the special formatting?

Why Chat · February 11, 2013

Are you saying that there are accounts on your wife's reports that you have not as yet disputed with the initial dispute letter??

If so, wait until ALL other pending disputes on your wife's reports are cleared away and THEN start over with a new initial dispute on any "left overs"

gsxrmike · February 11, 2013

Are you saying that there are accounts on your wife's reports that you have not as yet disputed with the initial dispute letter??

If so, wait until ALL other pending disputes on your wife's reports are cleared away and THEN start over with a new initial dispute on any "left overs"

Correct. The "new" account that came up on her TU report today was never included in her initial dispute letter to TU. The initial dispute letter that was sent to TU removed all 4 of the accounts that she had at the time. Since she doesn't have any current disputes with TU can I go ahead and send it to them? I'm only dealing with EX for her as of now.

Thanks!

gsxrmike · February 12, 2013

Since my wife doesn't have any current disputes with TU can I go ahead and send it to them? I'm only dealing with EX for her as of now.

gsxrmike · February 14, 2013

bump

Why Chat · February 14, 2013

Yes, go ahead and send it to TU for your wife.

gsxrmike · February 15, 2013

Got it. Thanks Why Chat! Got my official reply from EX today for my disputes, which they only updated. I'll be sending them the CRA follow up letter today.

gsxrmike · February 17, 2013

Update:

ME:

Sent EX the CRA follow up letter for my disputes. Waiting on them to provide reply.

WIFE:

Sent TU the initial dispute letter with special formatting via CM (no RR) for new account that's been included on her TU report.

Also, got an update for her from the CFPB complaint against EX, which states the following:

"In progress

Response
Thank you for submitting your complaint on February 7, 2013 through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company.
We reviewed and considered all the information you have supplied through the CFPB portal and directly to Experian.

Based on the information you have provided, we are investigating the disputed information. Please note that an investigation may take up to 30 days. Upon completion, the result summary will be provided directly to you for review.

For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at P.O. Box 9701, Allen, TX 75013. For more information regarding your credit and frequently asked questions, you may visit: http://www.experian.com/blogs/ask-experian .

Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian."

gsxrmike · April 7, 2013

Ok, my wife FINALLY got a reply to her CFPB complaint about EX. Here's what they came back with:

"Experian said:

Explanation of closure
Thank you for submitting your complaint on February 7, 2013 through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company.
We have reviewed and considered the information that you have supplied through the CFPB portal and directly to Experian.
In your complaint you indicate that you filed a proper dispute for unknown medical accounts. You are requesting deletion of all the accounts as the collection agency has not provided the information that you requested to validate the accounts.
Our records further indicate that we conducted an investigation regarding the disputed accounts. The data furnisher responded and verified the accounts are accurate as reported. On February 25, 2013, we provided our result summary to you for review and confirmation.
If you disagree with the results of the reinvestigations, it is your legal right, under the FCRA, to add a 100-word statement specifying the nature of your dispute. The consumer statement will appear on your credit report and be viewable upon inquiry. If you would like our assistance in providing a concise statement, please contact us directly at the telephone number or address provided on your personal credit report and we would be happy to assist you. You may refer to the credit report that you received for the name, phone number (if available) and address of the data furnisher who verified that information. In addition, for more information regarding your credit and frequently asked questions, you may visit: http://www.experian.com/blogs/ask-experian .
Please note that accurate information cannot be deleted. When your creditor turns over a seriously past due account to a collection company, your credit report will show the status of the account as “collection.” This account cannot be brought current since the original creditor sold the account as a bad debt. Once you pay the account, the status will be “paid collection.” The “open date” on a collection account may reflect the date the account was sent to collections.
Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian."

What next?

Why Chat · April 8, 2013

File the complaints

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

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