Thank you WhyChat!!! +60 points Fako

[funky1]

The CA is reporting though. Has been for a couple years. Their letter to me this week was triggered by my initial dispute letter to EX, EQ and TU. So far TU and EQ have deleted the entry. EX has not.

[funky1]

Bumpity bump bump

[Why Chat]

What exactly do you need???

[funky1]

I'm still confused by your response to my follow up question above. Regarding the part on your website page where it lists the all in one dv/cease and desist and mentions sending the CA a separate letter for each CRA that they're reporting to.

 

Originally this CA was reporting to all three CRA's. TU deleted and sent confirmation. When I pull USAA CCMP it no longer shows up on TU OR EQ but still no word back from EQ. No word from EX and it still shows on EX.

[Why Chat]

Just put Experian in the area for the name of the CRA.

[funky1]

Just put Experian in the area for the name of the CRA.

 

 

Sounds good! Thanks!

[funky1]

Response from Equifax to pre-hippa dispute (still no response from Experian)

 

 

"The results of our reinvestigation"

 

We have researched the collection account blah blah and the results are: This item has been deleted from the credit file. YAY!

 

Now for the rest of the letter......

 

We have researched the collection account. Account # - 190***** The results are: We verified that this item belongs to you. Additional information has been provided from the original source regarding this item. If you have additional questions about this item please contact: (the name of the CA)

 

It then lists some info about the debt including the OC, DOFD, Original Balance plus the current balance as the CA is trying to up it.

 

 

We have researched the collection account. Account # - 970***** The results are: We verified that this item belongs to you. Additional information has been provided from the original source regarding this item. If you have additional questions about this item please contact: (the name of the CA)

Same thing here with the info HOWEVER I know for a fact this debt of just over $300 was from 2008 when I had a surgical procedure. The doctor listed in the collection is another doctor who used to work in the same office as the surgeon who operated on me but I never saw him for anything. Also the DOFD is listed as 7/2012 which is complete B.S. because I highly doubt they'd hold a debt for 3 years before sending it to collections but I could be wrong. It shows a date of "assigned" one month later at 8/2012. I suspect maybe the other doctor in that office is just trying to collect on the some old bills from my surgeon. Could that be the case?

Also Monday I sent out my DV/Ceased Desist letter CMRRR to the CA who said all attempts to remove the debt from my reports would be contested.

[Why Chat]

Moving in a good direction.

 

As soon as you have proof of receipt of the medical DV send the follow up dispute to the CRA(s)

 

BTW The CA "threat" of your claim being contested is illegal.

[funky1]

Thanks WhyChat! I thought the threat by the CA was illegal but wasn't sure. Hopefully I'll get the receipt back this week.

[funky1]

I got the green card in the mail today signed by someone who presumably works for the CA.

 

 

Question:

 

 

Do I send the follow up dispute to all the CRA's? TU already deleted everything after the initial dispute letter. Equifax deleted a couple including the CA I dv'ed. Experian has not said a peep or even acknowledged that they were investigating anything so all medical collections remain on that report. It's now been well past 30 days.

[Why Chat]

There is no reason to send the follow up dispute to a CRA who has already deleted the disputed account.

 

Send the follow up dispute to any CRA who has NOT deleted the subject account.

 

If you haven't had a response from Ex. and it has been more than 30 days from their receipt of your dispute, check their back door.

[funky1]

Hi WhyChat, just pulled EX back door. Here's what I found:

 

 

My initial dispute letter listed 7 accounts. 2 have been deleted. 1 was "updated". 1 remains "unchanged" (same account that I jus dv'ed) 3 accounts are listed as under investigation.

[funky1]

So send EX the follow up letter CMRR? Also EQ for any accounts they have not deleted?

 

So far no other CA's have sent anything other than the one you instructed me to dv a couple weeks ago.

 

I would have expected them to have come out of the woodwork by now.

[Why Chat]

The CAs are not behind the woodwork, they are under the slime with the other bottom feeders.

 

I don't know where you are in the program, but I suggest you wait until you get WRITTEN responses from the CRAs.

 

You send the follow up disputes to CRAs after you have received proof of receipt of the medical DV to the CA, you do NOT send it to CRAs who have already deleted the accounts.

[funky1]

OK so if I'm understanding this correctly I wait until I have the written response back from EX. (already have it from EQ) At that point I send out the medical dv cease and desist letter to any medical CA accounts that remain on my reports CMRR. After that I wait until I have the green card back from the post office showing that someone at the CA signed for it. Then I make photo copies of all the receipts and include the copy with my follow up dispute letter to the CRA's.

[Why Chat]

OK so if I'm understanding this correctly I wait until I have the written response back from EX. (already have it from EQ) At that point I send out the medical dv cease and desist letter to any medical CA accounts that remain on my reports CMRR. After that I wait until I have the green card back from the post office showing that someone at the CA signed for it. If it is going to a PO box send it certified only without the return receipt as the CAs do NOT pick up mail that has to be signed for and if they have moved their mail that requires a signature is not forwardedThen I make photo copies of all the receipts and include the copy with my follow up dispute letter to the CRA's. Yes, and you include a copy of the medical DV that you sent, this is the reason why you need separate medical DVs for each CRA , ( you can mail them in the same envelope and use the same copy of the proof of receipt for each CRA)

[funky1]

Thanks WhyChat- Another update as I just checked the mail....

 

 

The CA I dv'ed mailed back a letter stating "you have requested this office provide you with documentation validating the above stated account, enclosed find the documentation provided to us by the original creditor. After you have reviewed the enclosed documents, please contact this office at the phone number below"

 

Attached is a copy of the dv letter I sent them as well as a copy of the CA statement and what appears to be the last letter the OC sent me a couple years ago saying if I didn't pay within 10 days they would refer the matter to collections, which obviously they have.

 

 

I also received a letter from another CA I disputed with the CRA's. This letter states: "Enclosed please find an itemized statement referable to the account listed above for services provided by (the OC)" If you have questions call blah blah blah....

 

The fishy thing here though is that even though it is an itemized statement it's in the exact same font as the letter the CA sent. It's not a copy of anything from the OC. It's almost like the CA just re-typed it. It does however reference the emergency room visit from the OC. Should I DV the CA just for the heck of it so I get the green card?

[Why Chat]

Thanks WhyChat- Another update as I just checked the mail....

 

 

The CA I dv'ed mailed back a letter stating "you have requested this office provide you with documentation validating the above stated account, enclosed find the documentation provided to us by the original creditor. After you have reviewed the enclosed documents, please contact this office at the phone number below"

 

Attached is a copy of the dv letter I sent them as well as a copy of the CA statement and what appears to be the last letter the OC sent me a couple years ago saying if I didn't pay within 10 days they would refer the matter to collections, which obviously they have.

 

 

I also received a letter from another CA I disputed with the CRA's. This letter states: "Enclosed please find an itemized statement referable to the account listed above for services provided by (the OC)" If you have questions call blah blah blah.... If this was in response to your initial dispute letter to the CRAs, AND the date of medical service was under 2 years ago AND the amount claimed matches your EOMBs or original bills, then it is sufficient proof of a current business relationship and you can pay the OC with the HIPAA letter insert "a"

 

The fishy thing here though is that even though it is an itemized statement it's in the exact same font as the letter the CA sent. It's not a copy of anything from the OC. It's almost like the CA just re-typed it. It does however reference the emergency room visit from the OC. Should I DV the CA just for the heck of it so I get the green card?

The key to the program is WHEN the CA responds, and WHAT they are responding to. If they immediately respond to your initial dispute then they are much more likely to be current business associates of the OC. In the case of the CA who responded to your DV, the question becomes a little more difficult. Is this a hospital or a Dr.?? How old is the account, does it match your records?? If these are all recent hospital visits and match your records and you have followed the initial steps of opting out and deleting old addresses before disputing, then you are fairly safe in paying the OC with the HIPAA letter insert "a".

[funky1]

 

Thanks WhyChat- Another update as I just checked the mail....

 

 

The CA I dv'ed mailed back a letter stating "you have requested this office provide you with documentation validating the above stated account, enclosed find the documentation provided to us by the original creditor. After you have reviewed the enclosed documents, please contact this office at the phone number below"

 

Attached is a copy of the dv letter I sent them as well as a copy of the CA statement and what appears to be the last letter the OC sent me a couple years ago saying if I didn't pay within 10 days they would refer the matter to collections, which obviously they have.

 

 

I also received a letter from another CA I disputed with the CRA's. This letter states: "Enclosed please find an itemized statement referable to the account listed above for services provided by (the OC)" If you have questions call blah blah blah.... If this was in response to your initial dispute letter to the CRAs, AND the date of medical service was under 2 years ago AND the amount claimed matches your EOMBs or original bills, then it is sufficient proof of a current business relationship and you can pay the OC with the HIPAA letter insert "a"

 

The fishy thing here though is that even though it is an itemized statement it's in the exact same font as the letter the CA sent. It's not a copy of anything from the OC. It's almost like the CA just re-typed it. It does however reference the emergency room visit from the OC. Should I DV the CA just for the heck of it so I get the green card?

The key to the program is WHEN the CA responds, and WHAT they are responding to. If they immediately respond to your initial dispute then they are much more likely to be current business associates of the OC. In the case of the CA who responded to your DV, the question becomes a little more difficult. Is this a hospital or a Dr.?? How old is the account, does it match your records?? If these are all recent hospital visits and match your records and you have followed the initial steps of opting out and deleting old addresses before disputing, then you are fairly safe in paying the OC with the HIPAA letter insert "a".

 

 

The CA who responded to the DV was for a doctor. The doctor visit was in late 2010. The bill with the OC is absolutely mine and I have no problem paying it. It seems reasonable to me that they are likely still the same CA the office uses based on the fact they had a copy of the last bill the OC sent me in their possession.

 

 

For the CA who responded to the initial dispute to the CRAs, yes the bill is from an emergency room visit less than 2 years ago. (sprained ankle running down some stairs too fast) The amount claimed is correct with the exception that the CA is trying to tack on interest of $30.73.

[funky1]

Just looked again, the other CA is also trying to tack on interest. Not a significant amount in either case though but it seems like I would only pay the OC the original amount and the CA can eat the interest right?

[Why Chat]

Just looked again, the other CA is also trying to tack on interest. Not a significant amount in either case though but it seems like I would only pay the OC the original amount and the CA can eat the interest right?

YUP!!

[funky1]

Going to work on paying both OC's with Hippa insert a.

[funky1]

Strange thing happened. I pulled USAA CCMP yesterday as well as today. EX is showing only 2 medical collections down from the original 7. I'm taking this as a good sign and might wait another week or two to see what happens before I part with any money and pay an OC I might not need to pay.

 

To recap:

 

TU- All medical accounts deleted after initial hippa dispute letter.

 

EQ- All medical accounts deleted after initial hippa dispute letter except for 1 which is the one for the Dr. I never saw and I think is trying to collect on another doctors account.

 

EX- All medical accounts deleted after initial hippa dispute letter except for 2. Both accounts are from CA's who have sent along info and seem to have a current relationship with the OC's in question.

[funky1]

UPDATE:

 

 

Been dealing with stuff lately and had to temporarily pause the HIPPA process. I think this pause was a good thing because low and behold....... REINSERTION! When I pulled USAA CCMP a few days ago I saw the collection for the doctor I've never seen pop back up on TU. This is after TU deleted all accounts and send hard copy confirmation of that fact.

 

 

To recap:

 

 

EQ and TU are showing a collection from the doc I've never seen but shared an office with a doc I did see. I'm thinking of doing a medical DV on them? I'm certain they'd have no record of me ever having seen that doc and I'd love to make them look like fools.

 

 

Still 2 separate medical collections showing on EX for a total of about $500. They did send some info which might show proof of a current business relationship so I'll probably end up paying those 2 off with the HIPPA insert per your instructions.

 

Is it OK that I stopped working on this for a month? I know it's important to follow the order of the HIPPA process to a T but I wasn't sure about the time it takes to complete the process.

 

 

Thanks WhyChat!!!

[Why Chat]

If you had a deletion that was reinserted you need to send that CRA this:

 

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

 

 

Yes it's OK to take a break--don't jump to conclusions about having to pay anyone unless and until you have completed the program.

 

Post a recap once you have results from the reinsertion dispute letter.