IC SYSTEMS & EXPERIAN & MEDICAL CLAIM

[HighPeaksGuy]

Hi all

 

First time post for me. So here is my problem.

 

 

In July 2007, I went to see a doctor and provided my Blue Cross insurance to them. Then in Feb 2008, I receive this collection letter from IC Systems for $90 stating i was for an unpaid visit to my doctor. I contacted CA and told them that claim was paid by insurance. They said it wasnt paid and that it was my responsibility. I contacted Blue Cross. They said the claim was not filed correctly and to re-submit the claim with the doctor. I called the doctor. Explained the situation. They said its out of their hands and to contact the CA. I really didn't want to deal with then CA. I decided to call Blue Cross back and asked them to re-process the claim. They did and the doctor was paid. I disputed this with Experian multiple times and they keep sending me the same answer, "Account meets requirement of Fair Reporting Act". What is my best attack to get this off of Experian? CanI provide them with copy of payment from Blue Cross? They are the only bureau that hasn't removed the entry. How much does a collection mark like this affect your score?

 

 

[Why Chat]

Hi all

 

First time post for me. So here is my problem.

 

 

In July 2007, I went to see a doctor and provided my Blue Cross insurance to them. Then in Feb 2008, I receive this collection letter from IC Systems for $90 stating i was for an unpaid visit to my doctor. I contacted CA and told them that claim was paid by insurance. They said it wasnt paid and that it was my responsibility. I contacted Blue Cross. They said the claim was not filed correctly and to re-submit the claim with the doctor. I called the doctor. Explained the situation. They said its out of their hands and to contact the CA. I really didn't want to deal with then CA. I decided to call Blue Cross back and asked them to re-process the claim. They did and the doctor was paid. I disputed this with Experian multiple times and they keep sending me the same answer, "Account meets requirement of Fair Reporting Act". What is my best attack to get this off of Experian? CanI provide them with copy of payment from Blue Cross? They are the only bureau that hasn't removed the entry. How much does a collection mark like this affect your score?

 

 

Opt out

 

http://whychat.5u.com/OPTOUTINST.HTML

 

Because Ex ( AKA the Devil) is the only one not following the law in your dispute you need to deal with this proactively.

 

Since you have already disputed multiple times you need to send this to the reporting CA;

 

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

 

and as soon as you have proof back of their receipt, send Ex this;

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

 

DO NOT send anyone "proof" of the payment having been made, otherwise you will wind up with a "paid" collection on your account.

[HighPeaksGuy]

So even thought my EX report shows status PAID, CLOSED, I use the letter"PAID COLLECTIONS"?

 

Does Ex acknowledge these letters?

[Why Chat]

So even thought my EX report shows status PAID, CLOSED, I use the letter"PAID COLLECTIONS"?

 

Does Ex acknowledge these letters?

If it is reporting as paid, then follow THESE directions. ( after opting out)

Since you have already disputed multiple times you need to send this to the reporting CA;

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

 

and as soon as you have proof back of their receipt, send Ex this;

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

 

As to if it works or not-- see this post;

http://creditboards.com/forums/index.php?s...p;#entry3958242

Edited November 18, 2009 by Why Chat