Starting HIPAA Process

[sonicanatidae]

I'm down to just 4 medical collections and they total less than $1000, so I plan

on using WhyChat's method to attack/pay these.

 

Should I attack all 4 in 1 letter or 1 letter for each?

Another post stated all 4 in 1 letter is workable, but I'd

like confirmation before I go that route.

 

After reviewing it, I've come up with the following letter.

I've tried to rephrase some pieces to avoid submitting a

verbatim form letter, but I also wanted to include the important bits.

Is this still too close? Does the legal section need to be included really?

 

Any suggestions on a better letter are welcome.

 

Since this shows on all 3 reports, I plan on sending out one of each

of these to each CRA. I'm sending them Certified Mail, but no Return Receipt..

 

Lastly, do I need to sign this letter? In most cases, it seems the general

advice is not to sign, but with a CRA and the HIPAA process, I'm not sure.

 

 

ME

 

THEM

 

CMMR: XXXXXXXXXXXXXXXX

 

Dear Equifax,

 

My name is John Q. Owes, my SS # is XXX-XX-XXXX

 

I have no knowledge or records of account # XXXXXXXXXXXXX from SchmucksRUsCollections, listed on my Equifax

report # XXXXXXXXXX ordered on 10-20-2009.

 

Please provide me with the name and address of the medical provider, the date and type of service, and to which patient the service was provided. If possible, I would need the name of the person providing this data, and the mechanism in which it was provided in order that I may pursue possible legal remedies which may include any involved agency, including Equifax, to the OCR on HIPAA violations.

 

Please take notice that as of February 17, 2009 your Credit Reporting Agency falls within the purview of subtitle D of the ARRA , SEC. 13407(1) BREACH OF SECURITY.— Specifically, in respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual.

 

If you agree this entry is in error or are unable to provide complete information, as requested, deletion of the entry would satisfy HIPAA requirements and mitigate any future legal complaints against Equifax.

 

Thank you for your time regarding this very important matter regarding my personal

medical information.

 

Very truly yours,

My name

No signature.

Edited October 28, 2009 by sonicanatidae

[Why Chat]

I'm down to just 4 medical collections and they total less than $1000, so I plan

on using WhyChat's method to attack/pay these.

 

After reviewing it, I've come up with the following letter.

I've tried to rephrase some pieces to avoid submitting a

verbatim form letter, but I also wanted to include the important bits.

Is this still too close? Does the legal section need to be included really?

 

Any suggestions on a better letter are welcome.

 

Since this shows on all 3 reports, I plan on sending out one of each

of these to each CRA. I'm sending them Certified Mail, but no Return Receipt..

 

Lastly, do I need to sign this letter? In most cases, it seems the general

advice is not to sign, but with a CRA and the HIPAA process, I'm not sure.

 

 

ME

 

THEM

 

CMMR: XXXXXXXXXXXXXXXX DO NOT send the initial dispute CMRR- send it certified WITHOUT the return receipt, otherwise it will have to be signed for and will be routed to another "non-consumer" department along with all other disputes from lawyers and CRO's( credit repair organizations)

 

Dear Equifax,

 

My name is John Q. Owes, my SS # is XXX-XX-XXXX

 

I have no knowledge or records of account # XXXXXXXXXXXXX from SchmucksRUsCollections, listed on my Equifax

report # XXXXXXXXXX ordered on 10-20-2009.

 

Please provide me with the name and address of the medical provider, the date and type of service, and to which patient the service was provided. If possible, I would need the name of the person providing this data, and the mechanism in which it was provided in order that I may pursue possible legal remedies which may include any involved agency, including Equifax, to the OCR on HIPAA violations.WAAAAY too much for an initial dispute, the shorter and simpler the better, also do NOT leave out the claim of obsolescence, the key to successful disputes is to REQUIRE verification of the DATE of service, which a claim of obsolescence triggers

 

Please take notice that as of February 17, 2009 your Credit Reporting Agency falls within the purview of subtitle D of the ARRA , SEC. 13407(1) BREACH OF SECURITY.— Specifically, in respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual.

 

If you agree this entry is in error or are unable to provide complete information, as requested, deletion of the entry would satisfy HIPAA requirements and mitigate any future legal complaints against Equifax.

 

Thank you for your time regarding this very important matter regarding my personal

medical information.

 

Very truly yours,

My name

No signature. Unlike letters to a CA any letter to a CRA should be signed properly in order to qualify as a "consumer" dispute

Have you actual individual reports directly from each CRA??

 

Have you opted out?

 

Please do not try to use any "reinventing the wheel" version of the HIPAA letter program. If you want to use some other method, go ahead, but each step of the HIPAA letter program has been VERY carefully designed to achieve optimum results.

 

Here is the initial dispute letter to the CRA's, please note that because it is suggested that you either HANDWRITE the dispute, or use non-scannable font on a background printed paper there is NO WAY it can be "confused" with any form letter.

 

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

[sonicanatidae]

Thanks for the advice.. I appreciate your time..

 

I have in my greedy little hands paper reports I ordered last week

that arrived yesterday. I Opted Out months ago.

 

So, in this case, I need to stick to the exact form letter.

No problem.. will retype it and look for a difficult to scan font

or just hand write them.

 

The reason I changed it is my only experience so far is disputing

non-medical entries and in those cases, using exact form letters

seems to hurt your chance, rather than improve them.

 

Finally, can/should I send in individual letters for each medical (4)

or send them all in on a single letter?

[Why Chat]

Thanks for the advice.. I appreciate your time..

 

I have in my greedy little hands paper reports I ordered last week

that arrived yesterday. I Opted Out months ago.

 

So, in this case, I need to stick to the exact form letter.

No problem.. will retype it and look for a difficult to scan font

or just hand write them. Italic or "handwriting" font is OK printed in teal or purple on either BLUE or PINK background paper, the yellow legal pad paper with blue lines is good for teal/LIGHT blue font

 

The reason I changed it is my only experience so far is disputing

non-medical entries and in those cases, using exact form letters

seems to hurt your chance, rather than improve them.

 

Finally, can/should I send in individual letters for each medical (4)

or send them all in on a single letter? You can put all medical accounts, listed in one letter to each CRA MAKE SURE that you are disputing the accounts EXACTLY as shown on THAT report, as the same accounts can be listed differently with different CRA's

[sonicanatidae]

I have updated my letter to match yours and included all accounts with

each bureau. All letters are going Certified Mail, with no return receipt

and I will sign each letter.

 

For the font, I'm using Huxtable 12 in Italics. Its hard to read, let alone scan.

I'll print them in teal/light blue on Yellow Letter sized paper.

Below is the updated letter, before I print, seal and mail:

 

 

ME

 

Equifax Information Services, LLC

P O Box 740256

Atlanta, GA. 30348

 

Dear Equifax,

 

I am sending this dispute certified mail # XXXXX to make sure you receive it. My name is John Q. Owes, my SS # is XXX-XX-XXXX.

 

I have no knowledge or records of the following accounts listed on my Equifax report # XXXXX ordered on 10-20-2009

 

Account # (Account number, from report, then name of company)

Account # (Account number, from report, then name of company)

 

Please advise me as to the name and address of the medical provider, the date and type of service, and to whom the service was provided, as any account I might have had would be obsolete.

If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies which may include a complaint against your agency to the OCR on HIPAA violations.

Please take notice that as of February 17, 2009 your Credit Reporting Agency falls within the purview of subtitle D of the ARRA , SEC. 13407(1) BREACH OF SECURITY.—The term ‘‘breach of security’’ means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual.

You are therefore now subject to the jurisdiction of the OCR for HIPAA violations.

 

Very truly yours,

 

Printed name

Signed name

 

 

 

 

Ready to go?

Edited October 28, 2009 by sonicanatidae

[Why Chat]

I have updated my letter to match yours and included all accounts with

each bureau. All letters are going Certified Mail, with no return receipt

and I will sign each letter.

 

For the font, I'm using Huxtable 12 in Italics. Its hard to read, let alone scan.

I'll print them in teal/light blue on Yellow Letter sized paper.

Below is the updated letter, before I print, seal and mail:

 

 

ME

 

Equifax Information Services, LLC

P O Box 740256

Atlanta, GA. 30348

 

Dear Equifax,

 

I am sending this dispute certified mail # XXXXX to make sure you receive it. My name is John Q. Owes, my SS # is XXX-XX-XXXX.

 

I have no knowledge or records of the following accounts listed on my Equifax report # XXXXX ordered on 10-20-2009

 

Account # (Account number, from report, then name of company)

Account # (Account number, from report, then name of company)

 

Please advise me as to the name and address of the medical provider, the date and type of service, and to whom the service was provided, as any account I might have had would be obsolete.

If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies which may include a complaint against your agency to the OCR on HIPAA violations.

Please take notice that as of February 17, 2009 your Credit Reporting Agency falls within the purview of subtitle D of the ARRA , SEC. 13407(1) BREACH OF SECURITY.—The term ‘‘breach of security’’ means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual.

You are therefore now subject to the jurisdiction of the OCR for HIPAA violations.

 

Very truly yours,

 

Printed name

Signed name

 

 

 

 

Ready to go?

I think Huxtable is is overkill. Just a regular script or itallic is OK. Make sure the yellow paper has BLUE LINES.

[sonicanatidae]

Doh.. printed on yellow paper without lines..

 

Will reprint before I mail them tomorrow..

 

Again.. thanks for your assistance WhyChat...

[sonicanatidae]

Sent them today.. Couldnt find paperstock in yellow with blue lines,

so I went w/ slightly darker pink text on pink paper, in Informal Roman, in Italics.

 

Easily readable by a person, but it should be damned impossible for OCR...

 

Signed all copies, used only information from each of their respective reports.

 

Certified mail, no return receipt.

 

 

Thanks again for all your help WhyChat..

[time2fix]

I have updated my letter to match yours and included all accounts with

each bureau. All letters are going Certified Mail, with no return receipt

and I will sign each letter.

 

For the font, I'm using Huxtable 12 in Italics. Its hard to read, let alone scan.

I'll print them in teal/light blue on Yellow Letter sized paper.

Below is the updated letter, before I print, seal and mail:

 

 

ME

 

Equifax Information Services, LLC

P O Box 740256

Atlanta, GA. 30348

 

Dear Equifax,

 

I am sending this dispute certified mail # XXXXX to make sure you receive it. My name is John Q. Owes, my SS # is XXX-XX-XXXX.

 

I have no knowledge or records of the following accounts listed on my Equifax report # XXXXX ordered on 10-20-2009

 

Account # (Account number, from report, then name of company)

Account # (Account number, from report, then name of company)

 

Please advise me as to the name and address of the medical provider, the date and type of service, and to whom the service was provided, as any account I might have had would be obsolete.

If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies which may include a complaint against your agency to the OCR on HIPAA violations.

Please take notice that as of February 17, 2009 your Credit Reporting Agency falls within the purview of subtitle D of the ARRA , SEC. 13407(1) BREACH OF SECURITY.—The term ‘‘breach of security’’ means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual.

You are therefore now subject to the jurisdiction of the OCR for HIPAA violations.

 

Very truly yours,

 

Printed name

Signed name

 

 

 

 

Ready to go?

I think Huxtable is is overkill. Just a regular script or itallic is OK. Make sure the yellow paper has BLUE LINES.

 

Not suppose to sign your name right?

[Why Chat]

I have updated my letter to match yours and included all accounts with

each bureau. All letters are going Certified Mail, with no return receipt

and I will sign each letter.

 

For the font, I'm using Huxtable 12 in Italics. Its hard to read, let alone scan.

I'll print them in teal/light blue on Yellow Letter sized paper.

Below is the updated letter, before I print, seal and mail:

 

 

ME

 

Equifax Information Services, LLC

P O Box 740256

Atlanta, GA. 30348

 

Dear Equifax,

 

I am sending this dispute certified mail # XXXXX to make sure you receive it. My name is John Q. Owes, my SS # is XXX-XX-XXXX.

 

I have no knowledge or records of the following accounts listed on my Equifax report # XXXXX ordered on 10-20-2009

 

Account # (Account number, from report, then name of company)

Account # (Account number, from report, then name of company)

 

Please advise me as to the name and address of the medical provider, the date and type of service, and to whom the service was provided, as any account I might have had would be obsolete.

If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies which may include a complaint against your agency to the OCR on HIPAA violations.

Please take notice that as of February 17, 2009 your Credit Reporting Agency falls within the purview of subtitle D of the ARRA , SEC. 13407(1) BREACH OF SECURITY.—The term ‘‘breach of security’’ means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual.

You are therefore now subject to the jurisdiction of the OCR for HIPAA violations.

 

Very truly yours,

 

Printed name

Signed name

 

 

 

 

Ready to go?

I think Huxtable is is overkill. Just a regular script or itallic is OK. Make sure the yellow paper has BLUE LINES.

 

Not suppose to sign your name right?

WRONG- You sign your name on ALL disputes or correspondence to the CRA's or OC's. The ONLY time you do NOT sign your name is to a CA( Collection Agency)

[sonicanatidae]

Signed and sent 10-29-09.

 

So far, I've seen some indicators on CCT (accounts listed as disputed).

 

Some are still listed as under dispute, others are not. Hopefully they

didnt verify, but we'll see in a few weeks.

 

I'm ready to PAY the OC so I'm not hosed, but I'd prefer they just vanished of course..

[sonicanatidae]

Bummer,

 

EQ just verified 2 of the 4 I disputed.

 

2 show on EQ, 2 show on EX and 4 total show on TU (These 2, plus 2 more).

 

Waiting until the rest arrive, then starting the next step (paying the OC).

[sonicanatidae]

I'd like to confirm something.

 

Does a response of "verified" from the CRA confirm a relationship between

the OC and the CA? or is there a step I'm missing.

 

I'd rather not disturb the CAs atm, if possible.

 

I still have 3 more months before the 4 yr SOL on these runs out

and I'll have the cash to pay off all of my medicals (if required) in Dec/09.

 

Also, nothing I received from the CRA provided me with the acct number and/or date of service.

I called the OC and spoke to someone in the business office and she was nice enough to

pull up my acct and provide me with the acct #, amount past due and Date of Service.

[Why Chat]

I'd like to confirm something.

 

Does a response of "verified" from the CRA confirm a relationship between

the OC and the CA? or is there a step I'm missing.

 

I'd rather not disturb the CAs atm, if possible.

 

I still have 3 more months before the 4 yr SOL on these runs out

and I'll have the cash to pay off all of my medicals (if required) in Dec/09.

 

Also, nothing I received from the CRA provided me with the acct number and/or date of service.

I called the OC and spoke to someone in the business office and she was nice enough to

pull up my acct and provide me with the acct #, amount past due and Date of Service.

No a verification from the CRA does NOT establish a current relationship between the OC and the CA.

 

The next step is to send the CA this;

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

And then send the CRA this;

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

[sonicanatidae]

Thanks again for the correction before mis-step..

 

I swear upon all you consider holy I will re-read the HIPAA dispute process

before I post another question...

 

Edit: this debt is within the SOL by 6 months.

Edited November 16, 2009 by sonicanatidae

[time2fix]

I have updated my letter to match yours and included all accounts with

each bureau. All letters are going Certified Mail, with no return receipt

and I will sign each letter.

 

For the font, I'm using Huxtable 12 in Italics. Its hard to read, let alone scan.

I'll print them in teal/light blue on Yellow Letter sized paper.

Below is the updated letter, before I print, seal and mail:

 

 

ME

 

Equifax Information Services, LLC

P O Box 740256

Atlanta, GA. 30348

 

Dear Equifax,

 

I am sending this dispute certified mail # XXXXX to make sure you receive it. My name is John Q. Owes, my SS # is XXX-XX-XXXX.

 

I have no knowledge or records of the following accounts listed on my Equifax report # XXXXX ordered on 10-20-2009

 

Account # (Account number, from report, then name of company)

Account # (Account number, from report, then name of company)

 

Please advise me as to the name and address of the medical provider, the date and type of service, and to whom the service was provided, as any account I might have had would be obsolete.

If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies which may include a complaint against your agency to the OCR on HIPAA violations.

Please take notice that as of February 17, 2009 your Credit Reporting Agency falls within the purview of subtitle D of the ARRA , SEC. 13407(1) BREACH OF SECURITY.—The term ‘‘breach of security’’ means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual.

You are therefore now subject to the jurisdiction of the OCR for HIPAA violations.

 

Very truly yours,

 

Printed name

Signed name

 

 

 

 

Ready to go?

I think Huxtable is is overkill. Just a regular script or itallic is OK. Make sure the yellow paper has BLUE LINES.

 

Not suppose to sign your name right?

WRONG- You sign your name on ALL disputes or correspondence to the CRA's or OC's. The ONLY time you do NOT sign your name is to a CA( Collection Agency)

 

Not sure how I missed where you said that above. Thanks

[sonicanatidae]

Summary & Update:

 

Sent Pre-HIPAA letters to all 3 bureaus.

 

2 medical collections reporting to EQ and EX

4 medical collections reporting to TU (2 are the same 2 on Ex/EQ)

 

Sent off CM disputes on 10-29-09.

 

EX/EQ sent letters stating the accts being verified by the CAs.

 

TU still hasnt sent anything, but all 4 accts vanished off my CCT report yesterday.

 

 

To verify:

 

Next step in the WhyChat process:

CMRR DV the CAs, using the exact letter on WhyChat's site.

LETTER TO COLLECTION AGENCY ON MEDICAL ACCOUNT REPORTING WITH A BALANCE DUE

 

The day I get the green cards back, send the 2nd CRA letters

to EQ/EX stating no response from the CAs.

FOLLOW UP LETTER TO CRA SEND CMRR

[bonbonXO]

Summary & Update:

 

Sent Pre-HIPAA letters to all 3 bureaus.

 

2 medical collections reporting to EQ and EX

4 medical collections reporting to TU (2 are the same 2 on Ex/EQ)

 

Sent off CM disputes on 10-29-09.

 

EX/EQ sent letters stating the accts being verified by the CAs.

 

TU still hasnt sent anything, but all 4 accts vanished off my CCT report yesterday. Awesome

 

 

To verify:

 

Next step in the WhyChat process:

CMRR DV the CAs, using the exact letter on WhyChat's site.

LETTER TO COLLECTION AGENCY ON MEDICAL ACCOUNT REPORTING WITH A BALANCE DUE

 

Do a separate letter for EACH CRA that the CA is reporting to, make sure the account #'s match the report. You can MAIL them all to each CA in ONE envelope with one CMRR

The day I get the green cards back, send the 2nd CRA letters

to EQ/EX stating no response from the CAs.

FOLLOW UP LETTER TO CRA SEND CMRR

Other than the little reminder, you have the last steps correct!

[sonicanatidae]

CA 1

1st letter will be the Experian version of the letter, using the EX report

information and naming EX in all the places where CRA is specified.

 

2nd letter will be the Equifax version of the letter, using the EQ report

information and naming EQ in all the places were CRA is specified.

 

In both letters, I list the same CMRR XXXX number in the headers.

 

CA 2

Repeat above for second CA.

 

 

In both cases, I send both letters in the same CMRR envelope and

await the green card. When I get the green card, I fire off the

"See? I got no response" letter along with a copy of the letter I'm

about to send and a copy of the green card to the respective CRAs.

 

The only possible issue in all of this is these are still within the SOL until

roughly jan/2010. The Date of Service was in mid 2005 and the account DOFDs

should be end of 2005. The good news is we're talking about a $200 debt and a $300

debt, each from different OCs and held by different CAs. I doubt its worth

a suit and I intend to PIF the OC if needed further into the process.

 

Thanks for the advice. I appreciate your guys taking the time to review

my "moves" before I make them.

 

 

 

Since TU nuked the listings, I'm not sending a TU version of the letter

to the CAs. Is it likely for a CA to notice no TU letter and possibly force

an update TU to make sure its being reported there? It was reported

there originally, so they obviously report to all 3. Opinions?

Edited December 3, 2009 by sonicanatidae

[bonbonXO]

CA 1

1st letter will be the Experian version of the letter, using the EX report

information and naming EX in all the places where CRA is specified.

 

2nd letter will be the Equifax version of the letter, using the EQ report

information and naming EQ in all the places were CRA is specified.

 

In both letters, I list the same CMRR XXXX number in the headers.

 

CA 2

Repeat above for second CA.

 

 

In both cases, I send both letters in the same CMRR envelope and

await the green card. When I get the green card, I fire off the

"See? I got no response" letter along with a copy of the letter I'm

about to send and a copy of the green card to the respective CRAs.

YES

 

The only possible issue in all of this is these are still within the SOL until

roughly jan/2010. The Date of Service was in mid 2005 and the account DOFDs

should be end of 2005. The good news is we're talking about a $200 debt and a $300

debt, each from different OCs and held by different CAs. I doubt its worth

a suit and I intend to PIF the OC if needed further into the process.

Where the services with a Hospital or Ambulance? If not they have a 4 year SOL.

You only PIF to the OC with FULL validation, it is different with medical collection, you may get it when you DV the CA, but as old as these are it is highly unlikely. There is special process to PIF for medical accounts, please don't do this until you post in here first!

Thanks for the advice. I appreciate your guys taking the time to review

my "moves" before I make them. Better to ask now!

 

Since TU nuked the listings, I'm not sending a TU version of the letter

to the CAs. Is it likely for a CA to notice no TU letter and possibly force

an update TU to make sure its being reported there? It was reported

there originally, so they obviously report to all 3. Opinions? No don't even worry about not having a for TU letter, I doubt they will even notice but save the investigation report stating the accounts were deleted from TU and all correspondences from any CRAs for at least 7 years if not longer.

[sonicanatidae]

These accounts are from outpatient hand surgery in 06/05.

 

The 1st is from the Ambulatory Surgery Center. This is basically

an outpatient surgery facility for procedures not requiring

hospital admit.

 

The 2nd is from the Anesthesiologist.

 

 

My plan to PIF to the OCs is the WHYCHAT one, insert A I believe,

after I jump thru all the hoops. Disputing with CRA, DVing CA,

verifying relationship with OC, etc.

 

Is that the specialized method you mentioned or is there another?

 

One of the TU accts that fell off was a hospital account, but since it

fell off, I'm not DVing the CA.

[sonicanatidae]

Actually the debt I thought was from the Anesth is actually from

a hospital for an ER Visit 06/05

 

How does a hospital change it? No SOL?

 

At least its a $200 balance..lol

Edited December 3, 2009 by sonicanatidae

[bonbonXO]

These accounts are from outpatient hand surgery in 06/05.

 

The 1st is from the Ambulatory Surgery Center. This is basically

an outpatient surgery facility for procedures not requiring

hospital admit.

 

The 2nd is from the Anesthesiologist.

 

 

My plan to PIF to the OCs is the WHYCHAT one, insert A I believe,

after I jump thru all the hoops. Disputing with CRA, DVing CA,

verifying relationship with OC, etc.

Is that the specialized method you mentioned or is there another? That is the one and only way to go! FULL validation on a medical account is not just an invoice form a CA that say you owe us this much money-I am just cautioning you. It usually is a statement that comes from the OC, with all your private medical info on it.

One of the TU accts that fell off was a hospital account, but since it

fell off, I'm not DVing the CA.

[bonbonXO]

Actually the debt I thought was from the Anesth is actually from

a hospital for an ER Visit 06/05

 

How does a hospital change it? No SOL?

Yes and No, sorry, the balance was probably written off a long time ago by the OC and some dumpster diving, data mining, sum sucking CA ended up with your account. Chances are by now there is no business association between the OC and the CA, and if there is than you pay the OC.

At least its a $200 balance..lol

[sonicanatidae]

That was my thought in the end. Even if one of these CAs has a legitimate claim,

we're talking roughly $500 bucks total for both and I dont mind paying the OC

in all honesty. My sole goal is removal, payment or not in really irrelevant to me

with such small amounts.

 

However, if they fall off without payment, thats just a really, really nice bonus...

 

I sent off 2 CMRR envelopes today. One to each CA. Each envelope contains 2 letters.

1 DV for fraudulently verifying with EQ and 1 for FVing with EX. The letters are

identical to the one on WhyChat's site excepting which CA/bureau/acct numbers

are referenced.

 

To confirm the next step:

 

When the green cards come in 7-10 days from now, I immediately

fire off the 3rd step See! The CAs failed to respond to my DV letter

to each bureau. EQ & EX in this case. Each letter to the CRA is signed.

Send along photocopies of the respective letters I sent the CAs and

photocopies of their returned/signed for green cards.

 

Accurate?

 

My primary concern is whether or not to wait for CA responses or

just fire off the 2nd CRA dispute as soon as I get the green cards back.

Edited December 4, 2009 by sonicanatidae