starting HIPPA program

[Til.We.Overdose]

yes, 30 days from the receipt of my dispute. it was delivered 4/4/13. Checked backdoor, it did not list any results, only gave me a new report that shows one medical collection was deleted. The other one is still there.

[Til.We.Overdose]

so how would I word my follow up letter to TU since I never received a letter from them? just omit the part that says "in your letter dated"??

 

I have already typed up the dv's for the ca's and the follow up letters to ex and eq. I just need to know what to do about tu.

[Til.We.Overdose]

There is one medical acct I am not sure how to handle. I have already opted out, deleted old address, sent initial medical dispute, and this acct came back verified (Feb 2013). The account has since been paid by a third party payor (state) to the OC. I had absolutely no control over this, I thought they were going to send me the money but they sent it straight to the hospital. I have already confirmed the payment has been rec'd and the hospital accepted the conditions of the payment from the state which was 75% of billed charges and they cannot bill me the balance. So, my balance is now @ $0, however the CA is still reporting unpaid with a balance of $1448. How should I proceed? The Paid DV or regular medical DV? or dispute with CRA agencies again? thanks in advance.

[Why Chat]

Send the medical DV to the reporting CA ( You send the one for accounts REPORTING as having a balance due)

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

And the follow up dispute to the CRA(s)

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

 

It is more than likely that the reporting CA has NO current relationship with the OC, and may have had no business relationship with them when they acquired the account, ( possibly from a data miner)

[Til.We.Overdose]

OK, I sent letters to CAs reporting balances and sent Followup to CRAs with copy of letters to sent to CA and proof of delivery from usps.com.

 

Since then... 2 deleted, 1 remains unchanged (Central Financial Control), and the CA I mentioned in the previous post updated EQ to paid, closed and hasn't done anything to TU yet. So, I have to wait on CRA before moving on to next steps? How do I deal with the one who updated to pd, closed??

[Why Chat]

Wait until you are sure that all your responses are in.

 

Is the one that is now reporting as "paid" the same one that your insurance paid the OC on??

 

If so, see if you can get documentation from your insurance Co. on the payment to make SURE it was paid to the OC, if so, you can then send the OC the HIPAA letter insert "b".1.

 

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

Edited July 5, 2013 by Why Chat

[Til.We.Overdose]

It wasn't paid by my insurance it was paid by the state of TN criminal injuries compensation program. I have the letter they sent me in the mail and the list of medical providers they paid, the address, and the amount. Would this suffice as proof? or do I need something else?

[Why Chat]

It wasn't paid by my insurance it was paid by the state of TN criminal injuries compensation program. I have the letter they sent me in the mail and the list of medical providers they paid, the address, and the amount. Would this suffice as proof? or do I need something else?

No MORE than "sufficient" that is even better than proof from an Insurance Co.

[Til.We.Overdose]

Ok. So, all of my follow up disputes to CRAs and direct disputes to CAs have been received.

 

- TU deleted the paid, closed account and my TU report is now officially clean! YEA!

 

- EQ "investigated" however did not delete anything...waiting on results in the mail. 2 medical accounts remain...the one paid by the state and syndicated office systems a.k.a. Central Financial Control.

 

- EX is really getting on my nerves. They added a 90 day fraud alert to my account. And have not deleted or investigated anything including the one medical account that is past the time frame for reporting. So I have 2 Remaining on EX as well...central financial control and consolidated recovery systems (past reporting time).

 

Also, rec'd 2 LetterS from UCB apologizing and confirming they deleted account from credit reports. So, far they are the only CA who sent a response to my disputes.

 

So, how do I deal with EX? And the other CAs who have not confirmed a relationship with the OC?

 

I'm working on sending the letter to the hippa compliance Office they are acting like they don't want to give me the address. Smh.

[Why Chat]

Use the regular address of the OC and address it to the attention of the HIPAA Compliance Office

[Til.We.Overdose]

Ok. Thank you. I sent the letter to the HIPAA Compliance office in the mail today.

 

I received a bulk of mail yesterday. Apparently, one CRA agency put fraud alert on CR and alerted the other CRAs. EX did not investigate anything just sent me a report and info about fraud and EQ investigated but did not delete anything.

 

I have not rec'd anything from the CAs. Both are reporting balance, and one is past the time frame for reporting.

 

what is my next action for EQ and EX?? especially since EX did not investigate?

[agingindebt]

Does this apply to bills owed to county hospitals?

[Why Chat]

Ok. Thank you. I sent the letter to the HIPAA Compliance office in the mail today.

 

I received a bulk of mail yesterday. Apparently, one CRA agency put fraud alert on CR and alerted the other CRAs. EX did not investigate anything just sent me a report and info about fraud and EQ investigated but did not delete anything.

 

I have not rec'd anything from the CAs. Both are reporting balance, and one is past the time frame for reporting.

 

what is my next action for EQ and EX?? especially since EX did not investigate?

I suggest FTC and CFPB complaints against the CRAs and the CA

 

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

[Til.We.Overdose]

I filed complaints w/ CFPB, they replied back and stated they do not have the company (CA) registered in their system and they are "trying" to register it, and they will let me know when they have registered the company and forwarded the complaint to the company. So, now it seems like I am stuck in limbo. Anything else I need/can do?

[Why Chat]

Did you file a complaint with the FTC?? Did you send copies of your complaints to the CRAs??

[Til.We.Overdose]

Did you file a complaint with the FTC?? Did you send copies of your complaints to the CRAs??

yes, I filed complaint with FTC against CA. Do I need to do one against the CRA as well? Or just fwd the copies of the FTC complaint to the CRA?

[Why Chat]

You need to file against the CRA and send copies of all complaints to the CRA

 

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

[Til.We.Overdose]

ok, thank you.

 

I have another quick question about the medical bill paid by the state we discussed earlier. The hospital/insurance both had me as owing $1448 for ER visit. I contacted both numerous times because I felt that amt was too high especially since I have insurance. But they insisted that it was correct.

 

Now today I received an EOB from the insurance company ("correction for a previously processed claim") for that DOS stating I only owed 949.75. So, that is almost a $500 DIFFERENCE plus the state has paid the full amt of $1448. The CA has marked it as a paid collection (and it has original amt of $1448 which is incorrect) and I have not yet sent the HIPAA letter to the HIPAA compliance office yet. Do I still send the HIPAA letter to the OC? Does the wording change since they billed the incorrect amt and were paid more than what was owed? any advice on this situation would be greatly appreciated.

[Why Chat]

Was the account disputed??

 

Did you send the medical DV for accounts reporting as paid??

Did you send the follow up dispute??

 

You need to go through all those steps FIRST before sending anything to the OC as you can ONLY put pressure on them for a deletion AFTER you have established a CURRENT relationship between the reporting CA and the OC

[Til.We.Overdose]

Yes, the acct was disputed and came back verified on 2/24/2013. I sent the medical dv for pd accts on 7/1/2013 and the follow up to the CRA on 7/5/2013 and it came back verified 7/12/2013. The acct was pd to the OC by the state sometime in June 2013 (I had no control over this).

 

I never rec'd anything from the CA or OC confirming a current relationship b/w the 2 of them. I have documentation showing the OC accepted the payment from the state & adjusted my acct balance to $0 and then the CA reported the $0 on my EQ CR. So, I am assuming they have a current relationship.

 

Now, as of today I just found out there was an error processing the original claim, and the OC was pd an extra $500.

 

Also, this error is reporting on my CR showing an original amt of $1448, when it should have been 949.75. So, obviously they are going to have to reimburse the state that $500.

 

But as far as myself, how would I proceed especially with these errors and get this deleted all together?

Edited September 11, 2013 by Til.We.Overdose

[Why Chat]

OK,

I think the simplest thing to do is to start over with the new dispute forms:

 

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

 

Make sure you follow the directions and ATTACH the copy of your report with the account you are disputing circled.

Make sure you refer to the attachment on the new letter form

There is a "sample" letter that indicates the procedure.

[Til.We.Overdose]

I have not started the process over, but after I filed the complaint against the CA (Central Financial Control) I rec'd THIS LETTER last week. What is my next step since they claim there is no HIPAA violation. and the paper that they gave me has my signature on it but the date and check marks are not my handwriting. I don't "check" anything, I always put "x" over the checkmark boxes, and I know my handwriting is not the date. So, whoever the "witness" is who signed underneath me did it, and they did not give me the items that were checked.

 

Also, they put I was "probably" notified so it doesn't warrant a deletion. Either you did or you didn't and if you don't know/have record of it, then more than likely they didn't send anything. They are full of it.

Edited October 9, 2013 by Til.We.Overdose

[Why Chat]

Do you have a file # or account with the CFPB ??

 

What they have done is a very serious violation.

 

You should go on line to the CFPB and advise them of this fraudulent collection activity and forgery.

 

Send a copy of your NEW complaint to the CRA(s) together with a cover letter stating that they will be named as a party to the violations if they continue to allow this account to remain on your reports.

[amiecherry]

Exact same thing here. Got letter from

Central yesterday. It's unreal.