39 replies to this topic

[theroyfamily]

Thank you so much to Why Chat and everyone that has posted their experiences fixing their credit. My husband and I are trying to purchase a home but I have 12 collection accounts all from medical bills. I stayed up all night reading Why Chat's guide along with the suggested reads. As a result, I have seen little snags people have run into not following the instructions to the "T" I'd like to avoid that by posting my steps to confirm I am doing everything correctly.

I have to admit I've started off wrong because yesterday I spent the morning calling CA and OC trying to find out who owned the debt and how much was due because I didn't find this forum until about 7 pm last night. At no time did I admit responsibility or make a payment. However I did inquire about credit removal options e.g. pay to delete and things of that nature. If I understood what I read correctly, I can still proceed because I didn't make a payment or communicate any responsibility for the debt in writing or over the phone.

So far I have only opted out. I am going to send letters requesting old addresses removal but I am confused as to which CRA addresses are correct. Especially with Experian. I couldn't even find their dispute mail in address on their website. Are these the correct CRA addresses?

TransUnion Consumer Solutions
PO Box 2000
Chester PA 19022-2000

Experian
PO Box 9701
Allen, TX 75013

Equifax Information Services, LLC
PO Box 740256
Atlanta, GA 30374

Btw, all my medical collections are unpaid. I don't have a problem paying them. I just want to make sure that they are removed once fulfilled. Thanks in advance.

[Why Chat]

Thank you so much to Why Chat and everyone that has posted their experiences fixing their credit. My husband and I are trying to purchase a home but I have 12 collection accounts all from medical bills. I stayed up all night reading Why Chat's guide along with the suggested reads. As a result, I have seen little snags people have run into not following the instructions to the "T" I'd like to avoid that by posting my steps to confirm I am doing everything correctly.

I have to admit I've started off wrong because yesterday I spent the morning calling CA and OC trying to find out who owned the debt and how much was due because I didn't find this forum until about 7 pm last night. At no time did I admit responsibility or make a payment. However I did inquire about credit removal options e.g. pay to delete and things of that nature. If I understood what I read correctly, I can still proceed because I didn't make a payment or communicate any responsibility for the debt in writing or over the phone.

So far I have only opted out. I am going to send letters requesting old addresses removal but I am confused as to which CRA addresses are correct. Especially with Experian. I couldn't even find their dispute mail in address on their website. Are these the correct CRA addresses?

TransUnion Consumer Solutions
PO Box 2000
Chester PA 19022-2000

Experian
PO Box 9701
Allen, TX 75013

Equifax Information Services, LLC
PO Box 740256
Atlanta, GA 30374

Btw, all my medical collections are unpaid. I don't have a problem paying them. I just want to make sure that they are removed once fulfilled. Thanks in advance.

How old are these accounts??
What State are you in??
Have you opted out ?( on both reports)
http://whychat.5u.com/OPTOUTINST.HTML

Have you deleted old addresses, if possible, if you have moved since the dates of service??

Are you using REAL reports?? ( the merged or "3 in 1" credit monitoring system reports are useless for disputes)
To order, visit annualcreditreport.com, or call 1-877-322-8228,

The correct addresses will appear on REAL reports

Edited by Why Chat, 27 May 2011 - 02:35 PM.

[theroyfamily]

I live in Oklahoma. I have been using a 3 in 1 tracker (Credit Keeper). I used my free annual credit report four months ago. So, I will be purchasing all 3 reports tonight. I have opted out. I have been at the same address since the oldest medical service date on my credit report. Here is the breakdown of my collection accounts.

04/2010 561.00 CAC Financial
01/2009 312.00 CAC Financial
04/2008 251.00 CAC Financial
11/2008 200.00 CAC Financial
12/2007 64.00 CAC Financial

11/2008 200.00 Central State Recovery

06/2010 588.00 Paragon Revenue Group
01/2011 568.00 Paragon Revenue Group
06/2010 1648.00 Paragon Revenue Group
05/2008 118.00 Paragon Revenue Group

CAC Financial or Morgan & Associates are rude and unwilling to provide information. Before finding this forum I tried to get account details and the first woman started running off balances and the OC's name but no service dates or anything specific. She spoke so fast I couldn't catch a word she said (and I consider myself to be pretty quick, lol. It was obviously intentional). I asked her to slow down and repeat what she said. She rudely told me she didn't have time for me to write the information down. I asked if she would mail the details. She said no they already did and they won't be sending anything else out.

I called back later and spoke to someone different. She wasn't as rude but she didn't what to negotiate a pay for delete or reduced price. She said I would have to pay all of the OC accounts in order to remove one which was the 64.00 account. CAC has account from 3 different OC's. She explained she couldn't do anything about the others because it was against their contract with the OC. The funny thing about that is one of the OC told me they sold the debt to them and all communications had to go through CA. But the CA swore up and down that they didn't purchase the debt.

I am glad I found this board and your website. I am writing the Pre Hipaa letters tonight. Mailing them CM tomorrow. I am prepared to send the final Hipaa letter to OC if nothing is deleted along with my restrictive endorsed bank check inserted that includes acc# in the for section. I just want to make sure the collections are deleted from my report.

Btw, do you think they don't have the specifics and that's why the first lady was so rude or is she just crazy? I didn't even think to ask the second woman for the account details. You would think I would know but most of the OC dates where when I was between 18-21. I don't have a clue about the details or if bills were sent from OC or CA. Young and dumb I guess.

Thanks for your help!

[Why Chat]

I live in Oklahoma. I have been using a 3 in 1 tracker (Credit Keeper). I used my free annual credit report four months ago. So, I will be purchasing all 3 reports tonight. I have opted out. I have been at the same address since the oldest medical service date on my credit report. Here is the breakdown of my collection accounts.

04/2010 561.00 CAC Financial
01/2009 312.00 CAC Financial
04/2008 251.00 CAC Financial
11/2008 200.00 CAC Financial
12/2007 64.00 CAC Financial

11/2008 200.00 Central State Recovery

06/2010 588.00 Paragon Revenue Group
01/2011 568.00 Paragon Revenue Group
06/2010 1648.00 Paragon Revenue Group
05/2008 118.00 Paragon Revenue Group

CAC Financial or Morgan & Associates are rude and unwilling to provide information. Before finding this forum I tried to get account details and the first woman started running off balances and the OC's name but no service dates or anything specific. She spoke so fast I couldn't catch a word she said (and I consider myself to be pretty quick, lol. It was obviously intentional). I asked her to slow down and repeat what she said. She rudely told me she didn't have time for me to write the information down. I asked if she would mail the details. She said no they already did and they won't be sending anything else out.

I called back later and spoke to someone different. She wasn't as rude but she didn't what to negotiate a pay for delete or reduced price. She said I would have to pay all of the OC accounts in order to remove one which was the 64.00 account. CAC has account from 3 different OC's. She explained she couldn't do anything about the others because it was against their contract with the OC. The funny thing about that is one of the OC told me they sold the debt to them and all communications had to go through CA. But the CA swore up and down that they didn't purchase the debt.

I am glad I found this board and your website. I am writing the Pre Hipaa letters tonight. Mailing them CM tomorrow. I am prepared to send the final Hipaa letter to OC if nothing is deleted along with my restrictive endorsed bank check inserted that includes acc# in the for section. I just want to make sure the collections are deleted from my report.

Btw, do you think they don't have the specifics and that's why the first lady was so rude or is she just crazy? I didn't even think to ask the second woman for the account details. You would think I would know but most of the OC dates where when I was between 18-21. I don't have a clue about the details or if bills were sent from OC or CA. Young and dumb I guess.

Thanks for your help!

There are several possibilities regarding your bills.

1- The reporting CAs obtained the accounts directly from the OC health care providers, are in current communication with them and will respond to your initial dispute to the CRAs with correct account data enabling you to pay the OC with the HIPAA letter insert"a".

2- The reporting CAs do NOT respond to you in response to the initial dispute, but the CRAs verify the accounts. In which case you need to send each CA the medical DV and the follow up dispute to the CRAs. The CA may or may not respond to the medical DV depending on their current relationship ( or lack thereof) to the OC.

3- The CRAs may delete some or all of your accounts in response to the initial dispute letter.

It is POSSIBLE that you actually do not owe anyone anything, it is possible you MAY owe some of the OCs something. It is very hard to tell at this stage.

[theroyfamily]

I just sent out Pre Hipaa letters to CRA. I guess now it is just a waiting game.

[theroyfamily]

Thanks for the help WhyChat. There was an issue sending out the initial Hippa letters. My husband was the one who sent them to the post office and mistakenly mailed them CMRR. Even though, I had the certified mailers filled out and on top of all the envelopes (just read postal receipt). He thought I would have even more proof if he paid extra for RR.

Anywho, I think I fixed that mistake already. I searched the forums and read threads by people that made the same mistake and you instructed them to send the letters again certified mail only. Which I did myself today. However, I have a new problem. As I stated in my initial post I contacted the CAs and OCs by phone before finding this forum.

CAC Financial the one who handles multiple collections sent me a letter today but only for one account, the $64.00 or $63.84 account to be exact. This was the only account they offered PFD for but only after paying for 4 other collection accounts from different OCs as well. What should I do? Send them a DV Medical Letter? Here is what the letter says:

Notice for Payment

The entire balance is due. Send full payment to our office.

We have been retained by the above referenced creditor for collection of money due.

Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days from receiving this notice that you dispute the validity of the debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgement and mail you a copy of such judgement or verification. If you request of this office in writing within 30 days after receiving this notice this office will provide you with the name and address of the original creditor, if different from the current creditor.

Side note: This account was sent to collections in 12-2007 and the date opened is 02-2008 on CRAs. Like I said before I have no clue what letters were sent from OCs or CAs but the letter reads like the first notice of collections to me. Why would they send this letter out for only one of five accounts? Does that probably mean the notices for the other four accounts previously sent?

Thanks Again!

[Why Chat]

Thanks for the help WhyChat. There was an issue sending out the initial Hippa letters. My husband was the one who sent them to the post office and mistakenly mailed them CMRR. Even though, I had the certified mailers filled out and on top of all the envelopes (just read postal receipt). He thought I would have even more proof if he paid extra for RR.

Anywho, I think I fixed that mistake already. I searched the forums and read threads by people that made the same mistake and you instructed them to send the letters again certified mail only. Which I did myself today. However, I have a new problem. As I stated in my initial post I contacted the CAs and OCs by phone before finding this forum.

CAC Financial the one who handles multiple collections sent me a letter today but only for one account, the $64.00 or $63.84 account to be exact. This was the only account they offered PFD for but only after paying for 4 other collection accounts from different OCs as well. What should I do? Send them a DV Medical Letter? Here is what the letter says:

Notice for Payment

The entire balance is due. Send full payment to our office.

We have been retained by the above referenced creditor for collection of money due.

Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days from receiving this notice that you dispute the validity of the debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgement and mail you a copy of such judgement or verification. If you request of this office in writing within 30 days after receiving this notice this office will provide you with the name and address of the original creditor, if different from the current creditor.

Side note: This account was sent to collections in 12-2007 and the date opened is 02-2008 on CRAs. Like I said before I have no clue what letters were sent from OCs or CAs but the letter reads like the first notice of collections to me. Why would they send this letter out for only one of five accounts? Does that probably mean the notices for the other four accounts previously sent?

Thanks Again!

I am sorry you duplicated the initial disputes to the CRAs,( credit reporting agencies) it will create confusion. I only suggest sending a letter certified only to the CAs ( collection agencies)or OCs ( original creditors) when the initial CMRR letter is returned or never signed for.

Send the CA who has contacted you this:
http://whychat.5u.co...cavalhipaa.html

[theroyfamily]

Thanks for the response. I am really discouraged. I can't believe all this has happened. I should have went to the post office myself the first time. I'll send the letter you suggested to the CA. I don't know how I got so confused. I could have swore I read a post were someone sent the initial dispute CMRR when it was supposed to be sent CM. What do you think will happen now? When you say it caused confusion does that mean it will delay a resolution? Should I call the CRAs and let them now I only meant to send the first dispute?

[theroyfamily]

Hi Everyone,

Here is the update. I sent the medical DV letter to CAC Financial. I have already received the green card back. I haven't received any communications from any of the CRA's accept for TransUnion. Even in that case they just sent me my credit report but nothing regarding the dispute.

I have received another letter about a different medical collection on my account. The letter said the exact same thing as the other except the first paragraph was different. Here's what is said:

This letter serves as a notice that your unpaid OC account is legally owned by Value Healthcare Management and has been placed in collections with National Credit Solutions, LLC.

I'm assuming that a medical DV letter needs to be sent out to the new CA. However, considering where assuming has gotten me in the past I wanted to check here first. Any help would be great and much appreciated.

[Why Chat]

Hi Everyone,

Here is the update. I sent the medical DV letter to CAC Financial. I have already received the green card back. I haven't received any communications from any of the CRA's accept for TransUnion. Even in that case they just sent me my credit report but nothing regarding the dispute.

I have received another letter about a different medical collection on my account. The letter said the exact same thing as the other except the first paragraph was different. Here's what is said:

This letter serves as a notice that your unpaid OC account is legally owned by Value Healthcare Management and has been placed in collections with National Credit Solutions, LLC.

I'm assuming that a medical DV letter needs to be sent out to the new CA. However, considering where assuming has gotten me in the past I wanted to check here first. Any help would be great and much appreciated.

You should have received a response from the CRAs you disputed, go to the website and click on new dispute, DO NOT actually enter a new dispute, look to see if the accounts are still there.

It is possible that the prior CA ( whose entry was disputed) could not verify and sold the account to another CA. OR, it is POSSIBLE that your initial disputes to the CRAs were never picked up, do you have the return receipts?? If so, what was the date they were signed for.

[theroyfamily]

Thanks for the help Why Chat. I have only received one green card back from Experian. It is stamped as received on June 02, 2011. I checked the status from all three CRAs. Experian didn't have any of the accounts listed as in dispute or investigation, nothing changed there. TransUnion and Equifax were the same. I know you said my mistake would confuse things. So, I guess that's why nothing has changed yet. Should I wait for responses from the CRAs before sending a medical DV to National Credit Solutions?

[theroyfamily]

Why Chat how should I proceed? I received green cards back from all the CRAs (received dates 06-02 & 06-03). I've been checking their status daily but only TransUnion has any progress. The other two don't show any investigation in progress. TransUnion states 5 out of 10 completed. But it doesn't say whether completed means verified or deleted. The expected completion date is 07/03/11.

Should I send a DV medical letter in response to the last letter from the CA or wait. The letter did have a 30 day response time. So, I don't want to make the mistake of responding too late and that collection account staying on my report.

Thanks in advance!

[Why Chat]

Why Chat how should I proceed? I received green cards back from all the CRAs (received dates 06-02 & 06-03). I've been checking their status daily but only TransUnion has any progress. The other two don't show any investigation in progress. TransUnion states 5 out of 10 completed. But it doesn't say whether completed means verified or deleted. The expected completion date is 07/03/11.

Should I send a DV medical letter in response to the last letter from the CA or wait. The letter did have a 30 day response time. So, I don't want to make the mistake of responding too late and that collection account staying on my report.

Thanks in advance!

The CRAs have 30 days( from their date of receipt) to investigate and respond. It would be foolish to do anything until you receive a response from all 3 CRAs. Whatever you do now will just create additional confusion.

You will need to exercise some patience, you gave already delayed the process by at LEAST a week by sending the initial dispute letter CMRR.

Contacting the CA prematurely without knowing the CRA response will just make things worse.

[theroyfamily]

Thank you WhyChat for the help. Here is Experian's investigation results. I do need additional assistance, please.

04/2010 561.00 CAC Financial
01/2009 312.00 CAC Financial
04/2008 251.00 CAC Financial
11/2008 200.00 CAC Financial
12/2007 64.00 CAC Financial

10/2010 511.00 Law Offices (forgot to add this one in earlier post)

11/2008 200.00 Central State Recovery

06/2010 588.00 Paragon Revenue Group *deleted*
01/2011 568.00 Paragon Revenue Group *deleted*
06/2010 1648.00 Paragon Revenue Group *deleted*
05/2008 118.00 Paragon Revenue Group *deleted*

I have received itemized bills for these accounts connecting the OC with the CA:
04/2008 251.00 CAC Financial
04/2010 561.00 CAC Financial
01/2009 312.00 CAC Financial

I believe, I could pay this directly to the OC with hippa insert "a". However, I'm not sure if I am supposed to wait for Equifax and Transunion investigation results. Also, CAC sent me a supposed itemized bill for this account:
11/2008 200.00 CAC Financial

However, it doesn't look legit at all. They have handwritten the collection account number at the top of the page. There is no letter head from the OC. It doesn't include the physicians name, date of service, late fees, or any of the typical information you would expect to see like the hospital account number. It looks like they opened word pad and typed everything up. Plus there is an area that shows 10/02/07, MY NAME, and a set of numbers, a total that has been whited out. Then, the words LEVEL III EVALUATION & 200.00 next to it. (not yelling that is how it appears in the letter.) I am not sure if this information is helpful but at the top right hand corner it shows:

DATE OF INJURY: 00/00/00
DATE ADMITTED: 10/02/07
DATE DISCHARGED: 00/00/00

TAX ID# 731531778 200.00

I don't know what this means or if it is relevant. I am super grateful for your help. Thanks in advance.

[theroyfamily]

Whychat, I can't say thank you enough. Here is the Transunion Investigation Results:

04/2010 561.00 CAC Financial
01/2009 312.00 CAC Financial *deleted*
04/2008 251.00 CAC Financial *deleted*
11/2008 200.00 CAC Financial *deleted*
12/2007 64.00 CAC Financial *deleted*

10/2010 511.00 Law Offices

11/2008 200.00 Central State Recovery *deleted*

06/2010 588.00 Paragon Revenue Group *deleted*
01/2011 568.00 Paragon Revenue Group *deleted*
06/2010 1648.00 Paragon Revenue Group *deleted*
05/2008 118.00 Paragon Revenue Group *deleted*

I haven't heard anything from Equifax since my initial dispute. I went to their website to check the dispute status but it reads no pending disputes in the last 365 days. Experian said something similar online but that investigation is now completed. However, Experian did send me something in the mail acknowledging my dispute. Should I contact Equifax to see if an investigation is pending or wait the 30 days +5. They received my dispute June 02, 2011.

I'll check back in with updates when or if Equifax contacts me.

[Why Chat]

Whychat, I can't say thank you enough. Here is the Transunion Investigation Results:

04/2010 561.00 CAC Financial
01/2009 312.00 CAC Financial *deleted*
04/2008 251.00 CAC Financial *deleted*
11/2008 200.00 CAC Financial *deleted*
12/2007 64.00 CAC Financial *deleted*

10/2010 511.00 Law Offices

11/2008 200.00 Central State Recovery *deleted*

06/2010 588.00 Paragon Revenue Group *deleted*
01/2011 568.00 Paragon Revenue Group *deleted*
06/2010 1648.00 Paragon Revenue Group *deleted*
05/2008 118.00 Paragon Revenue Group *deleted*

I haven't heard anything from Equifax since my initial dispute. I went to their website to check the dispute status but it reads no pending disputes in the last 365 days. Experian said something similar online but that investigation is now completed. However, Experian did send me something in the mail acknowledging my dispute. Should I contact Equifax to see if an investigation is pending or wait the 30 days +5. They received my dispute June 02, 2011.

I'll check back in with updates when or if Equifax contacts me.

Any time you call or go on line to check the "status" of a dispute they are allowed to add 15 days to their response time.

I am somewhat confused, did you send the medical DV to the CA that sent you the "phony" looking account information??

Wait for the results from Eq ( and Ex??) before sending the medical DVs out as you need to send one for each CRA the CA is reporting to.

Eq. MUST respond with 45 days of their receipt of the dispute, ( it would have been 30 days but you sent it CMRR)

As far as I can tell you owe nothing to anyone, if any of the accounts had been legitimate, TU would not have deleted.

Edited by Why Chat, 02 July 2011 - 01:39 PM.

[theroyfamily]

I haven't done anything since sending the initial disputes. Experian and Transunion have already completed their investigations. I am just waiting on Equifax to respond. I haven't called or spoken to anyone. I figured I would keep you informed as well as anyone who may be following my thread.

I know I sound like a broken record but Thank You, Thank You, Thank You! When we applied for a home loan the mortgage lender kept saying you know your husband can be the only one on the loan right, you don't have to be on it at all. Well, forget her because my credit will be perfect by the time I'm done thanks to you.

[theroyfamily]

Hi WhyChat,

You helped me around this time last year to remove a few medical accounts. Unfortunately, a family emergency occurred that needed my attention and I stopped working on my credit. At the time you helped me greatly and was able to get everything removed from my Transunion account accept for two medical accounts. Experian and Equifax removed about four each but I still had a ways to go with them. As luck would have it, this creditor:

10/2010 511.00 Law Offices

purchased the four accounts we got removed from this creditor:

06/2010 588.00 Paragon Revenue Group *deleted*
01/2011 568.00 Paragon Revenue Group *deleted*
06/2010 1648.00 Paragon Revenue Group *deleted*
05/2008 118.00 Paragon Revenue Group *deleted*

I'm still eternally grateful for your help last year and would like to continue from were I left off. I haven't purchased my official credit reports yet. I actually tried to get a mortgage and discovered my report had been demaged because the old accounts were renewed due to the deal the two agencies struck. So, my husband and I didn't qualify. They're wanting use to write letters of explanation for the underwriter which is a whole different story. Here are the negative medical accounts on my reports:

Equifax
100.00 unpaid medical
200.00 Central State Recovery
251.00 CAC
64.00 CAC
561.00 CAC
312.00 CAC
200.00 CAC

Transunion
561.00 CAC
588.00 Law offices ...
1648.00 Law offices ...
568.00 Law offices ...
511.00 Law offices ...

Experian
200.00 Central State Recovery
251.00 CAC
561.00 CAC
312.00 CAC
200.00 CAC
588.00 Law offices ...
1648.00 Law offices ...
568.00 Law offices ...
511.00 Law offices ...

I know I'll need to purchase my reports again. Old addresses were already taken care of and I opted out which is why I assume they sold the accounts to an existing creditor. Hopefully you can help me again. I'll be waiting for your direction.

Thanks

[Why Chat]

Hi WhyChat,

You helped me around this time last year to remove a few medical accounts. Unfortunately, a family emergency occurred that needed my attention and I stopped working on my credit. At the time you helped me greatly and was able to get everything removed from my Transunion account accept for two medical accounts. Experian and Equifax removed about four each but I still had a ways to go with them. As luck would have it, this creditor:

10/2010 511.00 Law Offices

purchased the four accounts we got removed from this creditor:

06/2010 588.00 Paragon Revenue Group *deleted*
01/2011 568.00 Paragon Revenue Group *deleted*
06/2010 1648.00 Paragon Revenue Group *deleted*
05/2008 118.00 Paragon Revenue Group *deleted*

I'm still eternally grateful for your help last year and would like to continue from were I left off. I haven't purchased my official credit reports yet. I actually tried to get a mortgage and discovered my report had been demaged because the old accounts were renewed due to the deal the two agencies struck. So, my husband and I didn't qualify. They're wanting use to write letters of explanation for the underwriter which is a whole different story. Here are the negative medical accounts on my reports:

Equifax
100.00 unpaid medical
200.00 Central State Recovery
251.00 CAC
64.00 CAC
561.00 CAC
312.00 CAC
200.00 CAC

Transunion
561.00 CAC
588.00 Law offices ...
1648.00 Law offices ...
568.00 Law offices ...
511.00 Law offices ...

Experian
200.00 Central State Recovery
251.00 CAC
561.00 CAC
312.00 CAC
200.00 CAC
588.00 Law offices ...
1648.00 Law offices ...
568.00 Law offices ...
511.00 Law offices ...

I know I'll need to purchase my reports again. Old addresses were already taken care of and I opted out which is why I assume they sold the accounts to an existing creditor. Hopefully you can help me again. I'll be waiting for your direction.

Thanks

I assume you opted out last year
http://www.whychat.5...OPTOUTINST.HTML
and deleted old addresses??
Send the initisl dispute letter to each CRA listing ALL medical accounts as they appear on that report.
http://www.whychat.5.../hipaadisp.html

[theroyfamily]

WhyChat I've sent the pre hipaa letters out to all of the CRA's. All letters are written on yellow legal paper w/ blue ink sent CM.

3 of the accounts were re-posted after we got them deleted last year but under a different CA. Is it legal for them to do that? Should I have disputed the re-posted accounts differently? Instead of starting the hipaa process over again?

[Why Chat]

WhyChat I've sent the pre hipaa letters out to all of the CRA's. All letters are written on yellow legal paper w/ blue ink sent CM.

3 of the accounts were re-posted after we got them deleted last year but under a different CA. Is it legal for them to do that? Should I have disputed the re-posted accounts differently? Instead of starting the hipaa process over again?

Forget about last year.
The CAs that had those accounts sold them to another bottom feeder.
If you had kept going last year and finished the process you would have probably had your reports clean by now.

You never got around to sending the medical DVs to the THEN reporting CAs, those include a STRONG cease and desist that would have prevented them from selling the accounts.

[theroyfamily]

Just to clarify the accounts that were re-posted never required direct contact with the CA because they were deleted by all the CRA's using the pre-hipaa letters. So if I understand correctly, DVing the CA would have been redundant?

Anywho, last year is forgotten.

I appreciate the help.

[Why Chat]

Just to clarify the accounts that were re-posted never required direct contact with the CA because they were deleted by all the CRA's using the pre-hipaa letters. So if I understand correctly, DVing the CA would have been redundant? It depends on how they were deleted, if you received a deletion letter then you should include language from this in your current disputes:
http://www.whychat.5...rcraredisp.html
ie add a copy of your deletion letter to your new dispute and state that this is a reinsertion by the CA under an affiliated name.
If you received NO letter of deletion from the CRAs, but the accounts "disappeared", then you should have sent the DV anyway to prevent them selling the account

Anywho, last year is forgotten.

I appreciate the help.

[theroyfamily]

Today I contacted the OC for three of the accounts being held by CAC. I know this is typically a no no but I needed the Hipaa Compliance Officer's name and address. Last year when I asked for validation from the CA on these accounts they contacted the OC who sent legitimate statements for all three accounts. So, I know these accounts are mine and legal.

Problem is the representative was nice up until I asked for the compliance officers information. She wouldn't give me the name or address and actually hung up on me. I looked up the OC on the BBB website and found that they have a -C rating all because of billing/collection disputes.

My question is should I pay the OC when she already told me they would turn it over to collections. She said they won't deposit the check because I may owe the CA fees. I wanted to pay these accounts with the appropriate insert but know I don't know.

[theroyfamily]

Whychat,

I don't know if I should be concerned but I haven't received a reply back from any of the CRA. Equifax arrived on May 11 (free yearly report). Transunion arrived on May 7 (purchased report). Experian arrived on May 8 (free yearly report). I haven't done anything since sending out the pre-hippa letters. Please tell what to do next, if anything.

Thanks!