Help after medical collection status was updated and verified

[headache]

Hello:

 

In April of 2008 I disputed a paid medical collection on my credit report. I did this dispute on line. It has been 18 months since I disputed and thought nothing else could be done. Then I found this website. I'm working on getting my credit report in order before I try to buy a house in June of 2010.

 

Here is how my credit reports read after on-line dispute:

 

Experian:

Central Finl Control Account#XXXXXX Original Creditor Trinity Medical Center

 

Status Paid, closed Date opened 01/2005 Last Reported 10/2005

 

Status Details This item was verified and updated on Apr 2008

 

Transunion

Central Finance Control Original Creditor: Med1 02 Trinity Medical Center

Account type : Open account Balance $0 Date Paid 10/2005

Remarks: Dispute Reslvd-Cust Disagrees

Estimated date of removal 05/2011

 

What should my next step be? I don't know which letter to use. I would appreciate any advice on how to handle this paid collection account.

 

Thank you!

Mac

[headache]

bump

[Why Chat]

Hello:

 

In April of 2008 I disputed a paid medical collection on my credit report. I did this dispute on line. It has been 18 months since I disputed and thought nothing else could be done. Then I found this website. I'm working on getting my credit report in order before I try to buy a house in June of 2010.

 

Here is how my credit reports read after on-line dispute:

 

Experian:

Central Finl Control Account#XXXXXX Original Creditor Trinity Medical Center

 

Status Paid, closed Date opened 01/2005 Last Reported 10/2005

 

Status Details This item was verified and updated on Apr 2008

 

Transunion

Central Finance Control Original Creditor: Med1 02 Trinity Medical Center

Account type : Open account Balance $0 Date Paid 10/2005

Remarks: Dispute Reslvd-Cust Disagrees

Estimated date of removal 05/2011

 

What should my next step be? I don't know which letter to use. I would appreciate any advice on how to handle this paid collection account.

 

Thank you!

Mac

 

OPT OUT

 

Get old addresses deleted, if possible if you have moved in the past 4 years.

 

Send each CRA this: Follow ALL the directions;

 

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

 

Post back ON THIS THREAD with any further questions.

[headache]

RE: CRA Responses

 

Why Chat,

 

Here are the results from my Pre-HIPAA letters to the CRA'S.

 

TransUnion- Investigations results- DELETED

 

CSC -Investigation results - The following information you disputed is not currently reporting on your CSC Credit File

 

Here is my problem "Experian" I received two different responses from them.

 

Dated 12/1/09 If you question the results of our investigation, then you may want to contact the data furnisher directly. Please refer to your original personal credit report for the business name, address and phone number of the source that verified the information.

 

Dated 12/2/09 Results-We completed investigating any items you disputed with the sources of the information and processes any other request you have made. Here are the results:

 

Central Finl Control "updated"

 

Why Chat what is my next step with Experian?

 

I truly appreciate all your help!

 

Sincerely,

Headache

[Why Chat]

RE: CRA Responses

 

Why Chat,

 

Here are the results from my Pre-HIPAA letters to the CRA'S.

 

TransUnion- Investigations results- DELETED

 

CSC -Investigation results - The following information you disputed is not currently reporting on your CSC Credit File

 

Here is my problem "Experian" I received two different responses from them.

 

Dated 12/1/09 If you question the results of our investigation, then you may want to contact the data furnisher directly. Please refer to your original personal credit report for the business name, address and phone number of the source that verified the information.

 

Dated 12/2/09 Results-We completed investigating any items you disputed with the sources of the information and processes any other request you have made. Here are the results:

 

Central Finl Control "updated"

 

Why Chat what is my next step with Experian?

 

I truly appreciate all your help!

 

Sincerely,

Headache

Please keep ALL your questions IN THIS THREAD, DO NOT start new threads.

 

Your next step is to send the reporting CA this:

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

 

and as soon as you have the green card back, send Ex; this;

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

[headache]

Why Chat,

 

Thank you for the response. I sent my letter out to Central Fincl Control yesterday. Sorry about posting twice. I will not make the same mistake in the future.

 

 

Happy New Year!

Headache

[headache]

Why Chat

 

I got my response from Experian today after I sent follow up letter to CRA. Mind you I sent in a copy of my driver's license, photocopy of Green Card with signature from collection agency, copy of letter I sent to collection agency. Here is the reply.

 

"we received a suspicious request regarding your personal credit information that we have determined was not sent by you. This could be be deemed as deceptive or fraudulent use of your information. We have not taken any action on this request. Any future request made in this manner will not be processed and will not receive a response. Suspicious request are taken seriously and reviewed by Experian security personnel who will report deceptive activity, including copies of letters deemed as suspicious, to law enforcement officials and state or federal regulatory agencies."

 

What is my next step? I sent in a copy of my credit report showing the collection account, copy of driver's license, copy of green card, copy of my letter I sent to Central Finance Control. What else could I send?

 

BTW I still have not received a response from Central Finance Control.

 

Thank You,

Headache

[bonbonXO]

Resend the follow up dispute photocopy of Green Card with signature from collection agency, copy of letter I sent to collection agency.

 

And include

A copy of Experian response

driver's license (again)

copy of your SS card

Original utility bill with current address

They are just stalling

 

At the bottom of the follow up Dispute

 

Add: I have inlcuded a copy of my driver's license, copy of my SS card and my original utility bill from XXXX.

[headache]

Sent out all information again to Experian. Still have not heard from Collection Agency!

[headache]

Update 2/20/2010

 

Experian refuses to reinvestigate. I got the letter in the mail from Experian and the letter states I have to contact the collection agency or provide information supporting my dispute. I never received any type of letter from Central Finance Control. Original letter to Central Finance Control was sent December 29th, 2009. Here is the fishy part today in the mail I received a check for $16.23 from "Conifer". The information listed on the check matches what is listed on my credit report. Mind you this was from 2004. Any input would be great!

 

Headache

[headache]

Update 2/20/2010

 

Experian refuses to reinvestigate. I got the letter in the mail from Experian and the letter states I have to contact the collection agency or provide information supporting my dispute. I never received any type of letter from Central Finance Control. Original letter to Central Finance Control was sent December 29th, 2009. Here is the fishy part today in the mail I received a check for $16.23 from "Conifer". The information listed on the check matches what is listed on my credit report. Mind you this was from 2004. Any input would be great!

 

Headache

[headache]

Why Chat,

 

I hope you have a chance to give me your input. I believe I did everything in order and now I'm ready to hear my next step. I never heard from the collection agency in regard to the letter I sent and Experian refuses to do anymore. I did receive a check from Conifer yesterday and I believe it my be part of Central Finance Control. Why after 4 years of this collection being paid I'm now receiving a check with no explanation. I did not cash it is sitting on my desk. Any thoughts?

 

Thank you so much for all your input and help!

Headache

[nizzo311]

very interesting.....bump.

[Why Chat]

Why Chat,

 

I hope you have a chance to give me your input. I believe I did everything in order and now I'm ready to hear my next step. I never heard from the collection agency in regard to the letter I sent and Experian refuses to do anymore. I did receive a check from Conifer yesterday and I believe it my be part of Central Finance Control. Why after 4 years of this collection being paid I'm now receiving a check with no explanation. I did not cash it is sitting on my desk. Any thoughts?

 

Thank you so much for all your input and help!

Headache

If you have sent the medical DV and the re-dispute with a copy of the medical DV to to Ex and they still have not deleted then the next step is an FTC complaint against Ex.

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

As to the check, how much is it for?? If it is for an odd amount like $8.56 or something like that, it is likely an attempt to get your signature and bank information.

 

I suggest you endorse it ( signing with your "other" hand) over to a charity of your choice, perhaps the PAL or some local Sheriff's Association charity. Mail it to the charity along with a brief note stating that you received the check and are signing it over to them because you believe it might be part of an ID theft attempt. Do not sign the note, do not put a return address on the envelope unless your current correct address is on the check. You should also include a cash donation to the charity to make it worth their while to deposit the check.

Edited February 24, 2010 by Why Chat