Can I Restart HIPAA Process?

[CreditDespair]

WhyChat,

 

I received the official reply from Experian. They listed the account as "updated", although it doesn't look any different than it did before. West Asset remains.

 

As of now it is still off of my EQ and TU reports. I never received confirmation from EQ or TU though.

 

What next?

[Why Chat]

WhyChat,

 

I received the official reply from Experian. They listed the account as "updated", although it doesn't look any different than it did before. West Asset remains.

 

As of now it is still off of my EQ and TU reports. I never received confirmation from EQ or TU though.

 

What next?

OK, I think you need a "time out" for a few Months. The "official response from Ex." may have been an automated response.

Wait 2 Months, recheck ALL your reports, come back here with any unresolved problems, by that time the prior disputes will have cleared through their computer systems ( providing you didn't do any on line or telephone disputes, in which case it will take 90 days)

 

Make sure your opt out is still in effect, you can do it again if you aren't sure.

[CreditDespair]

Okay, thanks - I won't initiate any other disputes. I'll order new reports in August.

[CreditDespair]

Update -

 

It's gone again from experian as of yesterday. I checked the backdoor and confirmed.

 

I have not received written confirmation from ANY of the CRA's, although it remains gone from all three.

 

When should I order new reports?

[Why Chat]

Update -

 

It's gone again from experian as of yesterday. I checked the backdoor and confirmed.

 

I have not received written confirmation from ANY of the CRA's, although it remains gone from all three.

 

When should I order new reports?

Wait a Month, by then you may have received updated reports for free.

[CreditDespair]

Hi WhyChat,

 

So here is the status:

 

TU and EQ removed on June 8th, per the back door. I never received an updated report or letter confirming the removal.

 

EX removed on June 28th, per the backdoor. Same deal - no report or confirmation letter.

 

Is it too soon to request new reports? How can I get written confirmation?

[Why Chat]

Hi WhyChat,

 

So here is the status:

 

TU and EQ removed on June 8th, per the back door. I never received an updated report or letter confirming the removal.

 

EX removed on June 28th, per the backdoor. Same deal - no report or confirmation letter.

 

Is it too soon to request new reports? How can I get written confirmation?

Wait until next Month, then order new reports, by then you may have received something in writing.

 

When you DO get new reports, get them in hard copy and keep them in your files for at least 3 years so you can challenge any possible reinsertions.

[CreditDespair]

Sounds great. Thanks again for ALL YOUR HELP!!!!!

[CreditDespair]

WhyChat,

 

An update.

 

I ordered all three reports and just received them today. West Asset is gone from all three reports.

 

THANK YOU for all your help with this! They still never sent me updates saying they removed from my reports, but I am still happy with these new copies.

 

Now..on to my last couple baddies.