Thank you WhyChat!!! +60 points Fako

[funky1]

I'll send TU the letter about re-insertion. Should I medical DV the CA who's trying to collect for the doctor I never saw?

[Why Chat]

I'll send TU the letter about re-insertion. Should I medical DV the CA who's trying to collect for the doctor I never saw?

Yes

[funky1]

 

I'll send TU the letter about re-insertion. Should I medical DV the CA who's trying to collect for the doctor I never saw?

Yes

 

 

Thanks!

[funky1]

Looks like I'll be sending out TWO re-insertion letters. EX re-inserted a $33 medical collection debt a few days ago.

 

*sigh*

[Why Chat]

File a complaint with the FTC and CFPB and include a copy of your filed complaint with your re-insertion letter

 

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

[funky1]

Will do!

[funky1]

Should I only include the re-inserted accounts in my letters? EX refused to delete 2 accounts after the initial hippa dispute. TU deleted all but reinserted 1 and EQ I think still has 1 showing.

[Why Chat]

Should I only include the re-inserted accounts in my letters? EX refused to delete 2 accounts after the initial hippa dispute. TU deleted all but reinserted 1 and EQ I think still has 1 showing.

The ONLY time you should use the FTC and CFPB complaints for regular disputes is AFTER you have completed the HIPAA letter program, sent initial dispute, sent medical DV sent follow up dispute.

 

Did you get a deletion letter from TU on the one that was "reinserted"?? or are you saying it temporarily disappeared and then reappeared.

 

If that is the case, then it was never actually officially deleted and you need to continue the process

http://www.whychat.5u.com/GUIDE%20HIPAA%20PROGRAM.html

.

[BreatheDeep]

@funky1 - Appreciate the continued updates on this post, this has been extremely helpful for me

 

@WhyChat - Thank you so very much for all of the information and guiding funky1 through this process. It has been tremendously valuable to me to read your documentation and then follow the process in this thread!

[funky1]

Ok i'm somewhat confused so let me lay out step by step what's been done up to this point to clarify everything.

 

 

1.) Opted out and deleted all the old addresses I could.

 

2.) Drafted and sent out initial dispute letter to EX, EQ and TU.

 

3.) Started receiving written responses back from the CRA's

 

4.) I received a notice from a CA included in the initial dispute letters that said this:

 

"Our office has received an inquiry or dispute regarding this collection item
on your credit profile. Any effort to alter or remove this item will be
contested. Contact this office for further details or payoff
instructions."

 

5.) Per your instructions I sent a pre-emptive medical DV to the CA who sent that letter.

 

That's all I've done so far but here are the results and what's happened in response.

 

In writing I received back the following:

 

EX- 4 deleted 1 updated 1 remains

 

EQ- 1 deleted 2 "verified" (yeah right)

 

TU- 7 deleted

 

I also received a response back from the CA I did a pre-emptive medical DV on showing what may be a current business relationship. They sent a copy of my last bill from the OC as well as a statement showing what I now owe them plus interest.

 

I also received a letter from a different CA that's VERY generic ASCII text generated bill showing who the OC was and what I currently owe them.

 

Here's what's been going on with my USAA CCMP reports though. As of a couple weeks ago one of the deleted accounts on TU was re-inserted. A few days later one of the deleted accounts on EX made a re-appearance.

 

So where should I go from here?

 

 

[Why Chat]

Ok i'm somewhat confused so let me lay out step by step what's been done up to this point to clarify everything.

 

 

1.) Opted out and deleted all the old addresses I could.

 

2.) Drafted and sent out initial dispute letter to EX, EQ and TU.

 

3.) Started receiving written responses back from the CRA's

 

4.) I received a notice from a CA included in the initial dispute letters that said this:

 

"Our office has received an inquiry or dispute regarding this collection item

on your credit profile. Any effort to alter or remove this item will be

contested. Contact this office for further details or payoff

instructions."

 

5.) Per your instructions I sent a pre-emptive medical DV to the CA who sent that letter.

 

That's all I've done so far but here are the results and what's happened in response.

 

In writing I received back the following:

 

EX- 4 deleted 1 updated 1 remainsDid you receive a deletion letter?

 

EQ- 1 deleted 2 "verified" (yeah right)Did you receive a deletion letter?

 

TU- 7 deleted Did you receive a deletion letter?

 

I also received a response back from the CA I did a pre-emptive medical DV on showing what may be a current business relationship. They sent a copy of my last bill from the OC as well as a statement showing what I now owe them plus interest. Is this reporting on all CRA reports??

 

I also received a letter from a different CA that's VERY generic ASCII text generated bill showing who the OC was and what I currently owe them.

 

Here's what's been going on with my USAA CCMP reports though. As of a couple weeks ago one of the deleted accounts on TU was re-inserted. A few days later one of the deleted accounts on EX made a re-appearance.

 

So where should I go from here?

Send the medical DV to any and all REPORTING CAs

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

Send the follow up dispute to any and all CRAs for any account that is still reporting, including any that were "deleted" and reappeared.

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

 

I think that part of the problem is that you are relying on a 3rd party reporting service (USAA) to get your information about the progress on your disputes. THIS IS NOT AN ACCURATE METHOD!! You need to check individually with each CRA through the "back door" to see what has actually occurred.

 

Hold off any payments until you can get accurate results from your disputes.

[funky1]

 

Ok i'm somewhat confused so let me lay out step by step what's been done up to this point to clarify everything.

 

 

1.) Opted out and deleted all the old addresses I could.

 

2.) Drafted and sent out initial dispute letter to EX, EQ and TU.

 

3.) Started receiving written responses back from the CRA's

 

4.) I received a notice from a CA included in the initial dispute letters that said this:

 

"Our office has received an inquiry or dispute regarding this collection item

on your credit profile. Any effort to alter or remove this item will be

contested. Contact this office for further details or payoff

instructions."

 

5.) Per your instructions I sent a pre-emptive medical DV to the CA who sent that letter.

 

That's all I've done so far but here are the results and what's happened in response.

 

In writing I received back the following:

 

EX- 4 deleted 1 updated 1 remainsDid you receive a deletion letter?

 

EQ- 1 deleted 2 "verified" (yeah right)Did you receive a deletion letter?

 

TU- 7 deleted Did you receive a deletion letter?

 

 

I received letters from all 3 CRA's showing what was deleted, what was verified and what was updated. That is where the data above ^^^ comes from. At that point I also noticed everything that was said in the letters matched what was in my USAA CCMP reports.

 

>I also received a response back from the CA I did a pre-emptive medical DV on showing what may be a current business relationship. They sent a copy of my last bill from the OC as well as a statement showing what I now owe them plus interest. Is this reporting on all CRA reports??

 

It was reporting on EX and TU. TU deleted it after the initial dispute letter and it hasn't reappeared. EX left it on my reports and sent in writing that it "remains".

 

I also received a letter from a different CA that's VERY generic ASCII text generated bill showing who the OC was and what I currently owe them.

 

Here's what's been going on with my USAA CCMP reports though. As of a couple weeks ago one of the deleted accounts on TU was re-inserted. A few days later one of the deleted accounts on EX made a re-appearance.

 

So where should I go from here?

 

Send the medical DV to any and all REPORTING CAs

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

Send the follow up dispute to any and all CRAs for any account that is still reporting, including any that were "deleted" and reappeared.

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

 

I think that part of the problem is that you are relying on a 3rd party reporting service (USAA) to get your information about the progress on your disputes. THIS IS NOT AN ACCURATE METHOD!! You need to check individually with each CRA through the "back door" to see what has actually occurred.

 

Hold off any payments until you can get accurate results from your disputes.

 

I'm only bringing up USAA for the re-insertions. Shortly before I received the deletion letters in the mail USAA was showing the collections dropping like flies. Now a couple months later 2 of them have resurfaced. Both the accounts that resurfaced were claimed to have been deleted by TU and EX. I have little doubt they are also on the backdoor reports.

 

I'll back door EX and EQ, not sure how to backdoor TU as I always have trouble with their online system.

 

 

This week I will prep my medical DV's and the follow up disputes. Thanks WhyChat!

Edited May 28, 2013 by funky1

[funky1]

Sorry for the bad formatting up there. My responses are in blue....

Edited May 28, 2013 by funky1

[Why Chat]

You can't send the reinsertion letter to TU as you apparently did NOT actually get a deletion, with a letter stating it was deleted ,just a temporary disappearance which is common on any 3rd party service like USAA when something is disputed.

[funky1]

You can't send the reinsertion letter to TU as you apparently did NOT actually get a deletion, with a letter stating it was deleted ,just a temporary disappearance which is common on any 3rd party service like USAA when something is disputed.

 

 

I already responded to this above. I received a letter from TU (as well as EX and EQ) showing what was deleted and what remained. TU's letter shows EVERYTHING I disputed in the initial hippa letter to be deleted. A month or so later it showed up on my USAA monitoring. Today I back doored all my reports and as suspected one of the accounts TU said they would delete is back on the report.

 

My back door reports as of today match EVERYTHING on my USAA reports to a T.

[Why Chat]

OK, so send the re-insertion letter to TU

 

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

[funky1]

Cool

[funky1]

I started working on my letters today. So the plan of attack is:

 

Send medical DV CMRR to the medical CA's still on my reports

Send re-insertion letter to TU

Wait for proof of delivery of the medical DV

After proof of delivery of the medical DV make a copy of the green card and send follow up hippa letter to EQ along with green card copy.

 

Not sure what to do with EX because EX "verified" a couple collections and deleted some. Then a month or so goes by and just like TU they re-inserted one they claimed in their letter to have deleted. Do I go with just the follow up hippa letter for EX or send the follow up hippa and re-insertion letter in the same envelope?

[Why Chat]

No, send Ex the re-insertion letter, it is way more effective.

[funky1]

No, send Ex the re-insertion letter, it is way more effective.

 

 

Hi Whychat,

 

I took nearly a year break from this but I'd like to finish cleaning the reports now. I'm having a difficult time finding the re-insertion letter I need to send to EX. Can you provide a link? I keep clicking through the HIPPA letter section of your site and I must be blind because I can't find it lol

 

Thank you

 

 

I also need to send a medical DV CMRR to all medical collections on my reports.

[everyman]

I think this is the one

 

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

[seetadeetz]

I had a letter from TU saying 3 accts were deleted on the 17th, yet my credit karma stayed the same I hope it updates.

 

Great job to you!

[funky1]

I think this is the one

 

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

 

 

Thanks!

[funky1]

I'm such a slacker! Seriously though, I AM finally getting on with this program. Sending the hippa medical dv to 3 collection agencies today. Sending the re-insertion letter to EX and EQ which are my only reports that still show medical collections leftover from my disputes awhile back. I feel like I'm on the verge of having clean reports.

 

TU is clean.

EQ is nearly clean, save for 1 medical collection.

EX is getting clean but still has 3 medical collections.

 

These are the last remaining collections on my reports. The only real negatives I have now are some late pays from years ago and my BK 7 showing on EX and TU. (disputed it off EQ long ago)

[oldtimer1]

I'm such a slacker! Seriously though, I AM finally getting on with this program. Sending the hippa medical dv to 3 collection agencies today. Sending the re-insertion letter to EX and EQ which are my only reports that still show medical collections leftover from my disputes awhile back. I feel like I'm on the verge of having clean reports.

 

TU is clean.

EQ is nearly clean, save for 1 medical collection.

EX is getting clean but still has 3 medical collections.

 

These are the last remaining collections on my reports. The only real negatives I have now are some late pays from years ago and my BK 7 showing on EX and TU. (disputed it off EQ long ago)

Funky1 - how many of the accounts did you actually pay? Thx and congrats on the progress.