39 replies to this topic

[LizaW]

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!

It's too early to expect the CRAs to have responded. They're built to respond to correspondence within 30 days. If you followed Why's advice about writing in purple ink on purple paper and watermarking it with your photo and otherwise trying to make it harder to OCR, then if that happens to be successful and they can't OCR it, then that will add time as a result of the manual processing of the letters. This makes the 30 day period even tougher for them.

I wouldn't be surprised if it was 45 days or so before you get a response, but anywhere between 30-45 seems likely.

Regarding your earlier question about the OC. In my experience OCs' always will claim that you have to deal with the CA, and that stuff like what she told you. This is why I'd deal with the OC in writing only.

I would think that you could address correspondence to the "HIPAA Compliance officer" at the OC and it will reach the right person. I doubt you need an actual name.

Edited by LizaW, 01 June 2012 - 08:53 PM.

[theroyfamily]

Transunion Investigations Results. Still haven't heard from Equifax or Experian.

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 Verified
588.00 Law offices ... Deleted
1648.00 Law offices ... Deleted
568.00 Law offices ... Deleted
511.00 Law offices ... Deleted

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 ...

[theroyfamily]

Equifax Investigation Results. Still haven't heard from Experian.

Equifax
100.00 unpaid medical Verified
200.00 Central State Recovery Verified
251.00 CAC Deleted
64.00 CAC Results didn't mention this account. A full credit report wasn't included.
561.00 CAC Deleted
312.00 CAC Deleted
200.00 CAC Verified

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

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 ...

[theroyfamily]

Experian verified the three accounts that were removed last year. I have the results from last years investigation proving these accounts were deleted. Should I proceed with the hipaa process or mail them last years investigation results? None of the CA's have contacted me about the accounts that remain. Is the next step to send DV letters to the CA's that have a p.o box CM and CMRR to CA's that have street addresses?

The Remaining Collection Accounts:

Equifax
100.00 unpaid medical Verified
200.00 Central State Recovery Verified
64.00 CAC Updated
200.00 CAC Verified

Transunion
561.00 CAC Verified

Experian
588.00 Law offices ... Updated
1648.00 Law offices ... Updated
568.00 Law offices ... Updated

[Why Chat]

Experian verified the three accounts that were removed last year. I have the results from last years investigation proving these accounts were deleted. Should I proceed with the hipaa process or mail them last years investigation results? None of the CA's have contacted me about the accounts that remain. Is the next step to send DV letters to the CA's that have a p.o box CM and CMRR to CA's that have street addresses? Yes

The Remaining Collection Accounts:

Equifax
100.00 unpaid medical Verified
200.00 Central State Recovery Verified
64.00 CAC Updated
200.00 CAC Verified

Transunion
561.00 CAC Verified

Experian
588.00 Law offices ... Updated
1648.00 Law offices ... Updated
568.00 Law offices ... Updated

How did you receive the results of "last year's" investigation from Ex on the reinserted accounts?? Did they send you a letter of deletion?? Or did the accounts just drop off while you were disputing.

If you received a letter of deletion you can use this:
http://whychat.5u.co...rcraredisp.html

If not, you can proceed with your medical DVs to the reporting CAs
http://whychat.5u.co...cavalhipaa.html
Do not send any new dispute letter to Ex( other than the re-insertion letter) as it would only get merged into your other disputes.

Edited by Why Chat, 18 June 2012 - 07:46 PM.

[theroyfamily]

Experian mailed the investigation results showing that all three Paragon Revenue accounts (original CA that sold accounts to current CA) were deleted on June 24, 2011. The words deleted were specifically written next to the CA's name. Is my next step to send the "LETTER TO CREDIT BUREAU FOLLOW UP TO DISPUTE OR REINSERTION" to Experian? Should this be written in blue ink on yellow legal paper like the pre-hippa letters? Thank you for your help. Please, let me know if below is how to correctly fill in the blanks:

John Q Public



100 Misery St.

Poortown.XX,98765

February 30,2003

Certified mail receipt number ____________

TUEQIPERIAN Credit Bureau

999 Everwrong Blvd.

Messup, XX,12345

Dear Sir or Madam;

My social security number is ____________

My date of birth is_____________

This is a request as authorized by the FCRA . § 611. Procedure in case of disputed accuracy [15 U.S.C. § 1681i]


In my letter dated 05-05-2012, I disputed the following accounts: Law Offices account# 123, Law Offices account# 456, Law Offices account# 789.


In your letter dated 06-14-2012, report # 8910 you verified the above referenced accounts that were reinserted after a previous deletion. These erroneous accounts were deleted on 06-24-2011, report# 456.

I cut out sections (1) and (2) then pasted the following:


In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions.

Requirements relating to reinsertion of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumer's file pursuant to subparagraph (A), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

Please furnish me with copies of any and all such certification.

If any information that has been deleted from a consumer's file pursuant to subparagraph (A) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification,this is a serious violation of the FCRA, and I reserve the right to pursue further action.

Additional information. As part of, or in addition to, the notice under clause (ii), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion

(I) a statement that the disputed information has been reinserted;

(II) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and

(III) a notice that the consumer has the right to add a statement to the consumer's file disputing the accuracy or completeness of the disputed information.

Please furnish me with the required statements and data

© Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph and a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available;

Please furnish me with a full description of the procedures used to determine the accuracy of the information.

(7) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph (6)((iii) by not later than 15 days after receiving a request from the consumer for that description.

In accordance with the above requirements of the FCRA, please furnish me with all requested material within 15 days

Sincerely,

John Q Public

[Why Chat]

Experian mailed the investigation results showing that all three Paragon Revenue accounts (original CA that sold accounts to current CA) were deleted on June 24, 2011. The words deleted were specifically written next to the CA's name. Is my next step to send the "LETTER TO CREDIT BUREAU FOLLOW UP TO DISPUTE OR REINSERTION" to Experian? Should this be written in blue ink on yellow legal paper like the pre-hippa letters? Thank you for your help. Please, let me know if below is how to correctly fill in the blanks:

John Q Public



100 Misery St.

Poortown.XX,98765

February 30,2003

Certified mail receipt number ____________

TUEQIPERIAN Credit Bureau

999 Everwrong Blvd.

Messup, XX,12345

Dear Sir or Madam;

My social security number is ____________

My date of birth is_____________

This is a request as authorized by the FCRA . § 611. Procedure in case of disputed accuracy [15 U.S.C. § 1681i]


In my letter dated 05-05-2012, I disputed the following accounts: Law Offices account# 123, Law Offices account# 456, Law Offices account# 789.


In your letter dated 06-14-2012, report # 8910 you verified the above referenced accounts that were reinserted after a previous deletion. These erroneous accounts were deleted on 06-24-2011, report# 456.

I cut out sections (1) and (2) then pasted the following:


In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions.

Requirements relating to reinsertion of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumer's file pursuant to subparagraph (A), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

Please furnish me with copies of any and all such certification.

If any information that has been deleted from a consumer's file pursuant to subparagraph (A) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification,this is a serious violation of the FCRA, and I reserve the right to pursue further action.

Additional information. As part of, or in addition to, the notice under clause (ii), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion

(I) a statement that the disputed information has been reinserted;

(II) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and

(III) a notice that the consumer has the right to add a statement to the consumer's file disputing the accuracy or completeness of the disputed information.

Please furnish me with the required statements and data

© Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph and a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available;

Please furnish me with a full description of the procedures used to determine the accuracy of the information.

(7) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph (6)((iii) by not later than 15 days after receiving a request from the consumer for that description.

In accordance with the above requirements of the FCRA, please furnish me with all requested material within 15 days

Sincerely,

John Q Public

Follow the instructions, enclose a copy of the letter of deletion, this must be properly typed and "Courtroom Ready" and sent CMRR

[theroyfamily]

Can I proceed with Transunion? From what I understand I need to send a copy of the front and back of the green card mailed CMRR to Transunion along with your letter posted below. When I receive the green card back from Central States Recovery, I should do the same with Equifax, right?


Equifax
100.00 Works & Lentz Inc. Card Received
200.00 Central States Recovery Card Not Received
64.00 CAC Card Received
200.00 CAC Card Received

Transunion
561.00 CAC Card Received


FOLLOW UP LETTER TO CRA SEND CMRR

xxxxxx Dear CRA, My name is xxxxx xxxxxx , my SS # is xxx xx xxxx. I am sending this dispute certified mail return receipt # xxxx to make sure you receive it. I have no knowledge or records of account # xxxxx on my report # xxxxx. I have disputed this unknown medical account with the reporting Collection Agent,( copy enclosed with proof of their receipt),as per your instructions in your response of xx/xx/xxxx to my dispute of xx/xx/xxxx and have had no valid response. Please advise me as to the name and address of the health care provider, the name of the patient, and the reported date of service,as any account I might have had at one time 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. If you are unable to verify and refuse to delete, I will be filing appropriate complaints against you with the FTC for FCRA and FACTA violations,the OCR for HIPAA violations and appropriate State authorities. Please note that as a recipient of private medical data you are also subject to the provisions 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. Please note that the effective enforcement of penalties against you for this breach is under the penalty rules of the HITECH Act as issued 11/30/2009. . I also reserve the right to include your Bureau in any legal remedies I pursue.

Very truly yours,

[theroyfamily]

I received a letter from Works & Lentz. It contained My name, last four of social, OC Name, Amount, and Patient ID #. No services provided, physician name, and ect. The body of the letter said:

Dear My Name,

We have received your letter with regard to the above referenced claim. We have discontinued all collection efforts and forwarded your letter to our client for their review. Upon receipt of their response, we will notify you immediately of their position as to how they wish to proceed.

Signed CA

Followed by the attempt to collect a debt jargon.

[Why Chat]

I received a letter from Works & Lentz. It contained My name, last four of social, OC Name, Amount, and Patient ID #. No services provided, physician name, and ect. The body of the letter said:

Dear My Name,

We have received your letter with regard to the above referenced claim. We have discontinued all collection efforts and forwarded your letter to our client for their review. Upon receipt of their response, we will notify you immediately of their position as to how they wish to proceed.

Signed CA

Followed by the attempt to collect a debt jargon.

Typical A$$ Saving jargon.

Have you received any response yet from your last letter to the CRA??

[theroyfamily]

The last letter I sent was to Experian regarding the reinsertion of 3 previously deleted accounts. I haven't received a response yet. I have my letter prepared for Transunion. I'll be sending it CMRR tomorrow. I included a copy of the green card along w/ your follow up letter to CRA. Still waiting on green card from Central States Recovery. Then I'll proceed w/ Equifax.

[theroyfamily]

CAC sent a letter with a copy of the same manufactured statement from last year. The statement features a whited out 381.81 that they replaced with a 200.00 balance. The false statement copy doesn't include a physician's name, place of service (the address on the print out is a p.o. box) service code or description of services/procedures, doesn't include a stub or website to send payment to OC. Just the CA's payment and contact information. How should I proceed?

The Remaining Collection Accounts:

Equifax
100.00 unpaid medical Verified
200.00 Central State Recovery CA mailed a letter stating they would instruct Transunion, Experian, & Equifax to delete
64.00 CAC Deleted
200.00 CAC Verified

Transunion
561.00 CAC Verified

Experian
588.00 Law offices ... Updated
1648.00 Law offices ... Updated
568.00 Law offices ... Updated

[Why Chat]

CAC sent a letter with a copy of the same manufactured statement from last year. The statement features a whited out 381.81 that they replaced with a 200.00 balance. The false statement copy doesn't include a physician's name, place of service (the address on the print out is a p.o. box) service code or description of services/procedures, doesn't include a stub or website to send payment to OC. Just the CA's payment and contact information. How should I proceed?

The Remaining Collection Accounts:

Equifax
100.00 unpaid medical Verified
200.00 Central State Recovery CA mailed a letter stating they would instruct Transunion, Experian, & Equifax to delete
64.00 CAC Deleted
200.00 CAC Verified

Transunion
561.00 CAC Verified

Experian
588.00 Law offices ... Updated
1648.00 Law offices ... Updated
568.00 Law offices ... Updated

Give it a few weeks, I have become confused as to which accounts have been deleted, which have been PROMISED to be deleted and IF "CAC" is the ONLY CA still reporting to all 3 CRAs.

If so, what was the date of service of THAT account

[theroyfamily]

Sorry for the confusion. I really appreciate your help. I've listed all the remaining accounts.

Remaining Collections

Equifax
100.00 Collection Agency is Works & Lentz Inc. - service date 10/18/2007 - received a letter from CA stating they have discontinued collection efforts and would consult with their client in response to medical DV; waiting on CRA response to follow up letter
200.00 Collection Agency is Central States Recovery - received letter from CA stating they would instruct CRA's to delete account waiting on letters from CRA confirming deletion
200.00 Collection Agency is CAC Financial Corp - the statement they made lists 10/02/2007 as the service date - waiting on CRA response to follow up letter

Transunion
561.00 Collection Agency is CAC Financial Corp - date of 1st delinquency is 11/2009 - haven't received any response from CA after sending medical DV. So, I don't know the service date waiting on CRA response to follow up letter

Experian
588.00 Collection Agency is Law offices... - waiting on response to LETTER TO CREDIT BUREAU FOLLOW UP TO DISPUTE OR REINSERTION
1648.00 Collection Agency is Law offices... - waiting on response to LETTER TO CREDIT BUREAU FOLLOW UP TO DISPUTE OR REINSERTION
568.00 Collection Agency is Law offices... - waiting on response to LETTER TO CREDIT BUREAU FOLLOW UP TO DISPUTE OR REINSERTION

[Why Chat]

Sorry for the confusion. I really appreciate your help. I've listed all the remaining accounts.

Remaining Collections

Equifax
100.00 Collection Agency is Works & Lentz Inc. - service date 10/18/2007 - received a letter from CA stating they have discontinued collection efforts and would consult with their client in response to medical DV; waiting on CRA response to follow up letter
200.00 Collection Agency is Central States Recovery - received letter from CA stating they would instruct CRA's to delete account waiting on letters from CRA confirming deletion
200.00 Collection Agency is CAC Financial Corp - the statement they made lists 10/02/2007 as the service date - waiting on CRA response to follow up letter

Transunion
561.00 Collection Agency is CAC Financial Corp - date of 1st delinquency is 11/2009 - haven't received any response from CA after sending medical DV. So, I don't know the service date waiting on CRA response to follow up letter

Experian
588.00 Collection Agency is Law offices... - waiting on response to LETTER TO CREDIT BUREAU FOLLOW UP TO DISPUTE OR REINSERTION
1648.00 Collection Agency is Law offices... - waiting on response to LETTER TO CREDIT BUREAU FOLLOW UP TO DISPUTE OR REINSERTION
568.00 Collection Agency is Law offices... - waiting on response to LETTER TO CREDIT BUREAU FOLLOW UP TO DISPUTE OR REINSERTION

Report back once you have received ALL the responses to ALL the outstanding letters.