Hi to all this is my first post and thanks for all of the helpful tips and success stories.
I have a medical collection on all three reports for $800 from 6 June 2009 and another on my TU for $526 (PFD has already been established in writing with CA). I sent a basic dispute letter to all three bureaus certified mail regarding the $800 account with a copy of my photo ID, SSN and other identifying info in late May. I opted out online with the CRAs three weeks before, but did not opt out with creditors nor did I delete old addresses. I already know EX has verified the debt because my freecreditscore.com credit score dropped to 650 and the note on the account now reads (Subscriber reports dispute resolved - consumer disagrees). The CA has also reported the debt again in May and June after not reporting it for a whole year.
Now I am waiting for written word from the CRAs regarding the account. I just found out about the Hipaa process last night and I was wondering if I could possibly start it depending on these possible scenarios:
1) If one or more CRAs sends back notice of verification without info about OC can I send the medical DV to the CA?
2) If one or more CRAs sends back verification with OC info can I send the OC Hipaa letter with payment and appropriate insert?
Or...am I just out of luck because I did not send the original CRA Hipaa letters to the CRAs. Why Chat I would love your advice on this. Thanks to all in advance.
Is It Too Late To Start Hippa?
Started by
New_GTI
, Jun 08 2012 08:05 AM
24 replies to this topic
#1
Posted 08 June 2012 - 08:05 AM
#2
Posted 08 June 2012 - 10:01 AM
No you are not "out of luck" just send the medical DV to the reporting CAsHi to all this is my first post and thanks for all of the helpful tips and success stories.
I have a medical collection on all three reports for $800 from 6 June 2009 and another on my TU for $526 (PFD has already been established in writing with CA). I sent a basic dispute letter to all three bureaus certified mail regarding the $800 account with a copy of my photo ID, SSN and other identifying info in late May. I opted out online with the CRAs three weeks before, but did not opt out with creditors nor did I delete old addresses. I already know EX has verified the debt because my freecreditscore.com credit score dropped to 650 and the note on the account now reads (Subscriber reports dispute resolved - consumer disagrees). The CA has also reported the debt again in May and June after not reporting it for a whole year.
Now I am waiting for written word from the CRAs regarding the account. I just found out about the Hipaa process last night and I was wondering if I could possibly start it depending on these possible scenarios:
1) If one or more CRAs sends back notice of verification without info about OC can I send the medical DV to the CA? Yes
2) If one or more CRAs sends back verification with OC info can I send the OC Hipaa letter with payment and appropriate insert? The CRAs are not permitted to send that data, the request is only in the dispute for them to OBTAIN a response from the reporting CA
Or...am I just out of luck because I did not send the original CRA Hipaa letters to the CRAs. Why Chat I would love your advice on this. Thanks to all in advance.
http://www.whychat.5...cavalhipaa.html
and as soon as you have proof of their receipt send the follow up dispute to the CRAs
http://www.whychat.5...aa.html#DISPUTE
Wait until you have a response in writing from all 3 CRAs, unless you disputed on line.
#3
Posted 08 June 2012 - 11:28 AM
No you are not "out of luck" just send the medical DV to the reporting CAs
Hi to all this is my first post and thanks for all of the helpful tips and success stories.
I have a medical collection on all three reports for $800 from 6 June 2009 and another on my TU for $526 (PFD has already been established in writing with CA). I sent a basic dispute letter to all three bureaus certified mail regarding the $800 account with a copy of my photo ID, SSN and other identifying info in late May. I opted out online with the CRAs three weeks before, but did not opt out with creditors nor did I delete old addresses. I already know EX has verified the debt because my freecreditscore.com credit score dropped to 650 and the note on the account now reads (Subscriber reports dispute resolved - consumer disagrees). The CA has also reported the debt again in May and June after not reporting it for a whole year.
Now I am waiting for written word from the CRAs regarding the account. I just found out about the Hipaa process last night and I was wondering if I could possibly start it depending on these possible scenarios:
1) If one or more CRAs sends back notice of verification without info about OC can I send the medical DV to the CA? Yes
2) If one or more CRAs sends back verification with OC info can I send the OC Hipaa letter with payment and appropriate insert? The CRAs are not permitted to send that data, the request is only in the dispute for them to OBTAIN a response from the reporting CA
Or...am I just out of luck because I did not send the original CRA Hipaa letters to the CRAs. Why Chat I would love your advice on this. Thanks to all in advance.
http://www.whychat.5...cavalhipaa.html
and as soon as you have proof of their receipt send the follow up dispute to the CRAs
http://www.whychat.5...aa.html#DISPUTE
Wait until you have a response in writing from all 3 CRAs, unless you disputed on line.
Ok will do Why Chat and thank you for the lightning fast response. I sent my disputes through certified mail so I will wait until I receive written word from all 3 CRAs. I will update my progress here.
#4
Posted 10 June 2012 - 03:47 AM
Update for Why Chat:
I have now received written replies from all 3 CRAs (CSC Credit Services in place of EQ). All CRAs verified the account as mine and all provided an address for the CA which is Central Financial Control in Dallas TX my home state. Per your instructions WHY Chat I am now prepared to send out the DV letters to the CA. I do want to state again that the dispute letter I sent to the CRAs was a basic "debt is not mine" letter that was typed. I also didn't delete old addresses, but I did opt out. Due to this I have a feeling that I will have a harder time getting this to work for me, but I will try. I really wish I knew about this Hipaa process beforehand but I won't beat myself up about it. I have a few questions before I mail out the DVs.
1) The address provided by the CRAs for the CA is a PO Box. Can you confirm that I send the DVs CM only and not CMRR, if so why?
2) Should the DVs be typed or handwritten?
3) Do I send a copy of the online CM letter received confirmation and a copy of the DV letters with my CRA follow up letters and should the CRA follow ups be written, or typed?
4) If a relationship between OC and CA is established through proper validation is it OK to send a payment to the OC with the Hipaa letter and appropriate insert, even though I initially sent a generic dispute letter to CRAs? (I am fully prepared and willing to do so)
OR
5) If validation is not provided, or the CA writes and refuses to provide it because of their usual 'past 30 days' excuse, and if CRAs refuse to delete after the follow up letters can I restart the process after 60 days properly?
Just a little more info to add. The CA has not tried to contact me since my dispute to the CRAs. The debt is 3yrs old this month (Still within the SOL here in Texas). I also found out through some research that the OC is owned by Tenet hospitals, and Tenet also owns the CA Central Financial Control! I won't assume a relationship until I get proper validation though. Sorry about writing so much I just want to be as thorough as possible. Thanks in advance to Why Chat all all!
I have now received written replies from all 3 CRAs (CSC Credit Services in place of EQ). All CRAs verified the account as mine and all provided an address for the CA which is Central Financial Control in Dallas TX my home state. Per your instructions WHY Chat I am now prepared to send out the DV letters to the CA. I do want to state again that the dispute letter I sent to the CRAs was a basic "debt is not mine" letter that was typed. I also didn't delete old addresses, but I did opt out. Due to this I have a feeling that I will have a harder time getting this to work for me, but I will try. I really wish I knew about this Hipaa process beforehand but I won't beat myself up about it. I have a few questions before I mail out the DVs.
1) The address provided by the CRAs for the CA is a PO Box. Can you confirm that I send the DVs CM only and not CMRR, if so why?
2) Should the DVs be typed or handwritten?
3) Do I send a copy of the online CM letter received confirmation and a copy of the DV letters with my CRA follow up letters and should the CRA follow ups be written, or typed?
4) If a relationship between OC and CA is established through proper validation is it OK to send a payment to the OC with the Hipaa letter and appropriate insert, even though I initially sent a generic dispute letter to CRAs? (I am fully prepared and willing to do so)
OR
5) If validation is not provided, or the CA writes and refuses to provide it because of their usual 'past 30 days' excuse, and if CRAs refuse to delete after the follow up letters can I restart the process after 60 days properly?
Just a little more info to add. The CA has not tried to contact me since my dispute to the CRAs. The debt is 3yrs old this month (Still within the SOL here in Texas). I also found out through some research that the OC is owned by Tenet hospitals, and Tenet also owns the CA Central Financial Control! I won't assume a relationship until I get proper validation though. Sorry about writing so much I just want to be as thorough as possible. Thanks in advance to Why Chat all all!
#5
Posted 10 June 2012 - 08:56 AM
What exactly did you mean in your first postUpdate for Why Chat:
I have now received written replies from all 3 CRAs (CSC Credit Services in place of EQ). All CRAs verified the account as mine and all provided an address for the CA which is Central Financial Control in Dallas TX my home state. Per your instructions WHY Chat I am now prepared to send out the DV letters to the CA. I do want to state again that the dispute letter I sent to the CRAs was a basic "debt is not mine" letter that was typed. I also didn't delete old addresses, but I did opt out. Due to this I have a feeling that I will have a harder time getting this to work for me, but I will try. I really wish I knew about this Hipaa process beforehand but I won't beat myself up about it. I have a few questions before I mail out the DVs.
1) The address provided by the CRAs for the CA is a PO Box. Can you confirm that I send the DVs CM only and not CMRR, if so why?
2) Should the DVs be typed or handwritten? ONLY the initial dispute to the CRAs is done in "funny font" ALL other correspondence should be properly typed and "Courtroom ready", and yes you send mail certified only to a PO box, as RR mail is not forwarded and many CAs refuse to sign for RR mail at the PO
3) Do I send a copy of the online CM letter received confirmation and a copy of the DV letters with my CRA follow up letters and should the CRA follow ups be written, or typed? Not the on line confirmation, but yes the copy of the DV letters, the more you can get away from the automated computer handling of your disputes, the better off you are, ( although some CRAs are beginning to ILLEGALLY refuse to consider written disputes)
4) If a relationship between OC and CA is established through proper validation is it OK to send a payment to the OC with the Hipaa letter and appropriate insert, even though I initially sent a generic dispute letter to CRAs? (I am fully prepared and willing to do so) Yes, you can pay VALID bills directly to the OC with the HIPAA letter insert "a", it may require additional work to get a "paid" collection off your report, but it is achievable as long as YOU did not/do not notify the CA of the payment
OR
5) If validation is not provided, or the CA writes and refuses to provide it because of their usual 'past 30 days' excuse, and if CRAs refuse to delete after the follow up letters can I restart the process after 60 days properly?
Just a little more info to add. The CA has not tried to contact me since my dispute to the CRAs. The debt is 3yrs old this month (Still within the SOL here in Texas). I also found out through some research that the OC is owned by Tenet hospitals, and Tenet also owns the CA Central Financial Control! I won't assume a relationship until I get proper validation though. Sorry about writing so much I just want to be as thorough as possible. Thanks in advance to Why Chat all all!
Did you sign any agreement with the reporting CA??(PFD has already been established in writing with CA).
Are all these accounts valid HOSPITAL bills??
#6
Posted 10 June 2012 - 10:33 AM
What exactly did you mean in your first post
Update for Why Chat:
I have now received written replies from all 3 CRAs (CSC Credit Services in place of EQ). All CRAs verified the account as mine and all provided an address for the CA which is Central Financial Control in Dallas TX my home state. Per your instructions WHY Chat I am now prepared to send out the DV letters to the CA. I do want to state again that the dispute letter I sent to the CRAs was a basic "debt is not mine" letter that was typed. I also didn't delete old addresses, but I did opt out. Due to this I have a feeling that I will have a harder time getting this to work for me, but I will try. I really wish I knew about this Hipaa process beforehand but I won't beat myself up about it. I have a few questions before I mail out the DVs.
1) The address provided by the CRAs for the CA is a PO Box. Can you confirm that I send the DVs CM only and not CMRR, if so why?
2) Should the DVs be typed or handwritten? ONLY the initial dispute to the CRAs is done in "funny font" ALL other correspondence should be properly typed and "Courtroom ready", and yes you send mail certified only to a PO box, as RR mail is not forwarded and many CAs refuse to sign for RR mail at the PO
3) Do I send a copy of the online CM letter received confirmation and a copy of the DV letters with my CRA follow up letters and should the CRA follow ups be written, or typed? Not the on line confirmation, but yes the copy of the DV letters, the more you can get away from the automated computer handling of your disputes, the better off you are, ( although some CRAs are beginning to ILLEGALLY refuse to consider written disputes)
4) If a relationship between OC and CA is established through proper validation is it OK to send a payment to the OC with the Hipaa letter and appropriate insert, even though I initially sent a generic dispute letter to CRAs? (I am fully prepared and willing to do so) Yes, you can pay VALID bills directly to the OC with the HIPAA letter insert "a", it may require additional work to get a "paid" collection off your report, but it is achievable as long as YOU did not/do not notify the CA of the payment
OR
5) If validation is not provided, or the CA writes and refuses to provide it because of their usual 'past 30 days' excuse, and if CRAs refuse to delete after the follow up letters can I restart the process after 60 days properly?
Just a little more info to add. The CA has not tried to contact me since my dispute to the CRAs. The debt is 3yrs old this month (Still within the SOL here in Texas). I also found out through some research that the OC is owned by Tenet hospitals, and Tenet also owns the CA Central Financial Control! I won't assume a relationship until I get proper validation though. Sorry about writing so much I just want to be as thorough as possible. Thanks in advance to Why Chat all all!Did you sign any agreement with the reporting CA??(PFD has already been established in writing with CA).
Are all these accounts valid HOSPITAL bills??
Thank you Why Chat. The first post when I referred to a PFD (Pay for delete) is related to a separate medical account. The CA in that case agreed to do a PFD and faxed me a signed letter with their company letterhead and a written agreement to delete the TL after payment. I have not signed anything.The account that you are helping me with is a different one altogether with a different CA that I have never contacted and to my knowledge has never contacted me, sorry to confuse you because I would have never called the first CA had I known what I know now. Neither collection has been validated by the CAs but I do know that I received medical treatment in 2009 before I had insurance.
In the first case I saw the 500 plus collection on my TU and I panicked. I called the CA and settled for half of the bill, so this TL showed up as settled at that time. Then I called back and asked if I paid the total amount would they delete the neg TL and they said yes. I asked for a signed agreement faxed and they faxed it to me in 15 minutes. I sent the money order to them CM, but they didn't sign for it yet a notice was left on the door. During this entire time I was constantly researching ways to deal with collections, which lead me to you and this site. Basically I did all the wrong things in the first case and luckily found out about Hipaa process soon after I disputed the account that I am dealing with now. That is why I am on the back foot but I'm hopeful and prepared to to this the right way from now on. What do you advise in the first case? I think my money order is still at the post office in California. I'm not even sure if CAs in Cali can collect debt in Texas legally. Wish I would have found this site 2 months ago
#7
Posted 10 June 2012 - 02:56 PM
Well, if you can, get a trace on the CMRR mail and see if you can get it returned to you or try to cancel the money order and get a refund.
What exactly did you mean in your first post
Update for Why Chat:
I have now received written replies from all 3 CRAs (CSC Credit Services in place of EQ). All CRAs verified the account as mine and all provided an address for the CA which is Central Financial Control in Dallas TX my home state. Per your instructions WHY Chat I am now prepared to send out the DV letters to the CA. I do want to state again that the dispute letter I sent to the CRAs was a basic "debt is not mine" letter that was typed. I also didn't delete old addresses, but I did opt out. Due to this I have a feeling that I will have a harder time getting this to work for me, but I will try. I really wish I knew about this Hipaa process beforehand but I won't beat myself up about it. I have a few questions before I mail out the DVs.
1) The address provided by the CRAs for the CA is a PO Box. Can you confirm that I send the DVs CM only and not CMRR, if so why?
2) Should the DVs be typed or handwritten? ONLY the initial dispute to the CRAs is done in "funny font" ALL other correspondence should be properly typed and "Courtroom ready", and yes you send mail certified only to a PO box, as RR mail is not forwarded and many CAs refuse to sign for RR mail at the PO
3) Do I send a copy of the online CM letter received confirmation and a copy of the DV letters with my CRA follow up letters and should the CRA follow ups be written, or typed? Not the on line confirmation, but yes the copy of the DV letters, the more you can get away from the automated computer handling of your disputes, the better off you are, ( although some CRAs are beginning to ILLEGALLY refuse to consider written disputes)
4) If a relationship between OC and CA is established through proper validation is it OK to send a payment to the OC with the Hipaa letter and appropriate insert, even though I initially sent a generic dispute letter to CRAs? (I am fully prepared and willing to do so) Yes, you can pay VALID bills directly to the OC with the HIPAA letter insert "a", it may require additional work to get a "paid" collection off your report, but it is achievable as long as YOU did not/do not notify the CA of the payment
OR
5) If validation is not provided, or the CA writes and refuses to provide it because of their usual 'past 30 days' excuse, and if CRAs refuse to delete after the follow up letters can I restart the process after 60 days properly?
Just a little more info to add. The CA has not tried to contact me since my dispute to the CRAs. The debt is 3yrs old this month (Still within the SOL here in Texas). I also found out through some research that the OC is owned by Tenet hospitals, and Tenet also owns the CA Central Financial Control! I won't assume a relationship until I get proper validation though. Sorry about writing so much I just want to be as thorough as possible. Thanks in advance to Why Chat all all!Did you sign any agreement with the reporting CA??(PFD has already been established in writing with CA).
Are all these accounts valid HOSPITAL bills??
Thank you Why Chat. The first post when I referred to a PFD (Pay for delete) is related to a separate medical account. The CA in that case agreed to do a PFD and faxed me a signed letter with their company letterhead and a written agreement to delete the TL after payment. I have not signed anything.The account that you are helping me with is a different one altogether with a different CA that I have never contacted and to my knowledge has never contacted me, sorry to confuse you because I would have never called the first CA had I known what I know now. Neither collection has been validated by the CAs but I do know that I received medical treatment in 2009 before I had insurance.
In the first case I saw the 500 plus collection on my TU and I panicked. I called the CA and settled for half of the bill, so this TL showed up as settled at that time. Then I called back and asked if I paid the total amount would they delete the neg TL and they said yes. I asked for a signed agreement faxed and they faxed it to me in 15 minutes. I sent the money order to them CM, but they didn't sign for it yet a notice was left on the door. During this entire time I was constantly researching ways to deal with collections, which lead me to you and this site. Basically I did all the wrong things in the first case and luckily found out about Hipaa process soon after I disputed the account that I am dealing with now. That is why I am on the back foot but I'm hopeful and prepared to to this the right way from now on. What do you advise in the first case? I think my money order is still at the post office in California. I'm not even sure if CAs in Cali can collect debt in Texas legally. Wish I would have found this site 2 months ago
Did you include this account in your initial dispute to the CRAs??
It is more than likely that their mail is being forwarded to another address, RR mail is not forwarded.
#8
Posted 10 June 2012 - 06:43 PM
Well, if you can, get a trace on the CMRR mail and see if you can get it returned to you or try to cancel the money order and get a refund.
What exactly did you mean in your first post
Update for Why Chat:
I have now received written replies from all 3 CRAs (CSC Credit Services in place of EQ). All CRAs verified the account as mine and all provided an address for the CA which is Central Financial Control in Dallas TX my home state. Per your instructions WHY Chat I am now prepared to send out the DV letters to the CA. I do want to state again that the dispute letter I sent to the CRAs was a basic "debt is not mine" letter that was typed. I also didn't delete old addresses, but I did opt out. Due to this I have a feeling that I will have a harder time getting this to work for me, but I will try. I really wish I knew about this Hipaa process beforehand but I won't beat myself up about it. I have a few questions before I mail out the DVs.
1) The address provided by the CRAs for the CA is a PO Box. Can you confirm that I send the DVs CM only and not CMRR, if so why?
2) Should the DVs be typed or handwritten? ONLY the initial dispute to the CRAs is done in "funny font" ALL other correspondence should be properly typed and "Courtroom ready", and yes you send mail certified only to a PO box, as RR mail is not forwarded and many CAs refuse to sign for RR mail at the PO
3) Do I send a copy of the online CM letter received confirmation and a copy of the DV letters with my CRA follow up letters and should the CRA follow ups be written, or typed? Not the on line confirmation, but yes the copy of the DV letters, the more you can get away from the automated computer handling of your disputes, the better off you are, ( although some CRAs are beginning to ILLEGALLY refuse to consider written disputes)
4) If a relationship between OC and CA is established through proper validation is it OK to send a payment to the OC with the Hipaa letter and appropriate insert, even though I initially sent a generic dispute letter to CRAs? (I am fully prepared and willing to do so) Yes, you can pay VALID bills directly to the OC with the HIPAA letter insert "a", it may require additional work to get a "paid" collection off your report, but it is achievable as long as YOU did not/do not notify the CA of the payment
OR
5) If validation is not provided, or the CA writes and refuses to provide it because of their usual 'past 30 days' excuse, and if CRAs refuse to delete after the follow up letters can I restart the process after 60 days properly?
Just a little more info to add. The CA has not tried to contact me since my dispute to the CRAs. The debt is 3yrs old this month (Still within the SOL here in Texas). I also found out through some research that the OC is owned by Tenet hospitals, and Tenet also owns the CA Central Financial Control! I won't assume a relationship until I get proper validation though. Sorry about writing so much I just want to be as thorough as possible. Thanks in advance to Why Chat all all!Did you sign any agreement with the reporting CA??(PFD has already been established in writing with CA).
Are all these accounts valid HOSPITAL bills??
Thank you Why Chat. The first post when I referred to a PFD (Pay for delete) is related to a separate medical account. The CA in that case agreed to do a PFD and faxed me a signed letter with their company letterhead and a written agreement to delete the TL after payment. I have not signed anything.The account that you are helping me with is a different one altogether with a different CA that I have never contacted and to my knowledge has never contacted me, sorry to confuse you because I would have never called the first CA had I known what I know now. Neither collection has been validated by the CAs but I do know that I received medical treatment in 2009 before I had insurance.
In the first case I saw the 500 plus collection on my TU and I panicked. I called the CA and settled for half of the bill, so this TL showed up as settled at that time. Then I called back and asked if I paid the total amount would they delete the neg TL and they said yes. I asked for a signed agreement faxed and they faxed it to me in 15 minutes. I sent the money order to them CM, but they didn't sign for it yet a notice was left on the door. During this entire time I was constantly researching ways to deal with collections, which lead me to you and this site. Basically I did all the wrong things in the first case and luckily found out about Hipaa process soon after I disputed the account that I am dealing with now. That is why I am on the back foot but I'm hopeful and prepared to to this the right way from now on. What do you advise in the first case? I think my money order is still at the post office in California. I'm not even sure if CAs in Cali can collect debt in Texas legally. Wish I would have found this site 2 months ago
Did you include this account in your initial dispute to the CRAs??
It is more than likely that their mail is being forwarded to another address, RR mail is not forwarded.
I did not include that account in the initial dispute. I will call the post office 1-800 # and try to get it returned. Should I start the Hipaa process on that account once I have the money order back in hand, or should I wait until I'm done with the account I'm working on now?
#9
Posted 11 June 2012 - 05:31 AM
Hello Why Chat. I want to ask one more question before I send out my DV letters today. All three CRAs provided the name of the OC in their letters but no other info is provided. No address, no dates of service only the name of the OC and the CA's name and address. Is this enough to send the Hipaa letter to the OC or should I continue with the DV letters as advised?
The amount owed is also provided but there is no way I can know if this is true or not without proper validation. Did I answer my own question lol. Anyway I'm ready to go and have all my attention focused on resolving this. Thanks again.
The amount owed is also provided but there is no way I can know if this is true or not without proper validation. Did I answer my own question lol. Anyway I'm ready to go and have all my attention focused on resolving this. Thanks again.
Edited by New_GTI, 11 June 2012 - 05:32 AM.
#10
Posted 11 June 2012 - 09:14 AM
The lack of proper response from the reporting CAs together with the fact that the OC has no record of your account demonstrates that there is NO current business relationship between the OC and the reporting CA.Hello Why Chat. I want to ask one more question before I send out my DV letters today. All three CRAs provided the name of the OC in their letters but no other info is provided. No address, no dates of service only the name of the OC and the CA's name and address. Is this enough to send the Hipaa letter to the OC or should I continue with the DV letters as advised?
The amount owed is also provided but there is no way I can know if this is true or not without proper validation. Did I answer my own question lol. Anyway I'm ready to go and have all my attention focused on resolving this. Thanks again.
Send the medical DVs
http://www.whychat.5...cavalhipaa.html
and then the follow up disputes
http://www.whychat.5...aa.html#DISPUTE
#11
Posted 11 June 2012 - 11:19 AM
The lack of proper response from the reporting CAs together with the fact that the OC has no record of your account demonstrates that there is NO current business relationship between the OC and the reporting CA.
Hello Why Chat. I want to ask one more question before I send out my DV letters today. All three CRAs provided the name of the OC in their letters but no other info is provided. No address, no dates of service only the name of the OC and the CA's name and address. Is this enough to send the Hipaa letter to the OC or should I continue with the DV letters as advised?
The amount owed is also provided but there is no way I can know if this is true or not without proper validation. Did I answer my own question lol. Anyway I'm ready to go and have all my attention focused on resolving this. Thanks again.
Send the medical DVs
http://www.whychat.5...cavalhipaa.html
and then the follow up disputes
http://www.whychat.5...aa.html#DISPUTE
All three Med DV letters have been typed and proofread 3 times for accuracy. I will be sending these out early tomorrow morning and I have copies of the DVs to send out to the CRAs once I get confirmation of delivery on the USPS site. I will come back here before I send the follow up disputes to the CRAs.
#12
Posted 14 June 2012 - 10:57 AM
The lack of proper response from the reporting CAs together with the fact that the OC has no record of your account demonstrates that there is NO current business relationship between the OC and the reporting CA.
Hello Why Chat. I want to ask one more question before I send out my DV letters today. All three CRAs provided the name of the OC in their letters but no other info is provided. No address, no dates of service only the name of the OC and the CA's name and address. Is this enough to send the Hipaa letter to the OC or should I continue with the DV letters as advised?
The amount owed is also provided but there is no way I can know if this is true or not without proper validation. Did I answer my own question lol. Anyway I'm ready to go and have all my attention focused on resolving this. Thanks again.
Send the medical DVs
http://www.whychat.5...cavalhipaa.html
and then the follow up disputes
http://www.whychat.5...aa.html#DISPUTE
All three Med DV letters have been typed and proofread 3 times for accuracy. I will be sending these out early tomorrow morning and I have copies of the DVs to send out to the CRAs once I get confirmation of delivery on the USPS site. I will come back here before I send the follow up disputes to the CRAs.
Update for Why Chat
I mailed out the DV to Central Financial Control and it was delivered this morning. I printed the confirmation and I am now ready to mail the follow up letters to the CRAs. I just have a few questions before I move on.
1) In the initial dispute to the CRAs when they verify an account with a CA do the CRAs give the CA your current address? I have yet to hear from the CA in my case.
2) When I disputed to Equifax I received a response from CSC Credit Services. Do I mail my follow up to them?
3) If the CRAs don't delete and I get no response from the CA, what would be my next move?
4) All of the CRAs have PO Box addresses. Do I send CMRR or just CM similar to when a CA has a PO Box?
5? CSC lists a confirmation #, TransUnion a file #, and Experian a report # on the verified reports they sent to me. Is it right to assume that all these are pretty much the same as a report #?
Edited by New_GTI, 14 June 2012 - 11:06 AM.
#13
Posted 14 June 2012 - 11:14 AM
The lack of proper response from the reporting CAs together with the fact that the OC has no record of your account demonstrates that there is NO current business relationship between the OC and the reporting CA.
Hello Why Chat. I want to ask one more question before I send out my DV letters today. All three CRAs provided the name of the OC in their letters but no other info is provided. No address, no dates of service only the name of the OC and the CA's name and address. Is this enough to send the Hipaa letter to the OC or should I continue with the DV letters as advised?
The amount owed is also provided but there is no way I can know if this is true or not without proper validation. Did I answer my own question lol. Anyway I'm ready to go and have all my attention focused on resolving this. Thanks again.
Send the medical DVs
http://www.whychat.5...cavalhipaa.html
and then the follow up disputes
http://www.whychat.5...aa.html#DISPUTE
All three Med DV letters have been typed and proofread 3 times for accuracy. I will be sending these out early tomorrow morning and I have copies of the DVs to send out to the CRAs once I get confirmation of delivery on the USPS site. I will come back here before I send the follow up disputes to the CRAs.
Update for Why Chat
I mailed out the DV to Central Financial Control and it was delivered this morning. I printed the confirmation and I am now ready to mail the follow up letters to the CRAs. I just have a few questions before I move on.
1) In the initial dispute to the CRAs when they verify an account with a CA do the CRAs give the CA your current address? I have yet to hear from the CA in my case. The instructions are to opt out and delete old addresses IF you have moved since the date of medical service. If the CA has an "old" address and can't match it to the electronic inquiry from the CRA, they can't verify and the account will be deleted
2) When I disputed to Equifax I received a response from CSC Credit Services. Do I mail my follow up to them? Yes
3) If the CRAs don't delete and I get no response from the CA, what would be my next move? The medical DV and re-dispute letter:
http://www.whychat.5...cavalhipaa.html
http://www.whychat.5...aa.html#DISPUTE
4) All of the CRAs have PO Box addresses. Do I send CMRR or just CM similar to when a CA has a PO Box? No, send CMRR, the CRAs are required to sign for all their mail ( unlike the CAs) and you need proof of delivery in the event you need to file an FTC complaint
5? CSC lists a confirmation #, TransUnion a file #, and Experian a report # on the verified reports they sent to me. Is it right to assume that all these are pretty much the same as a report #? Yes
#14
Posted 14 June 2012 - 11:25 AM
Thanks for the quick response. Remember I sent a generic dispute to the CRAs in the beginning before I found this site, luckily I did opt out because I had heard about it in another forum, but didn't delete old addresses. I'll send these out today and come back with more news.
#15
Posted 29 June 2012 - 12:41 PM
Thanks for the quick response. Remember I sent a generic dispute to the CRAs in the beginning before I found this site, luckily I did opt out because I had heard about it in another forum, but didn't delete old addresses. I'll send these out today and come back with more news.
Update for Why Chat
After sending the medical DV to Central Financial Control and the follow up disputes to the CRAs, Central Financial Control has validated the debt. They provided copies of the contract that I signed and also the date of service, however, there is one thing not adding up. My credit reports and the initial response from CFC to the Medical DV said I owed 800 dollars. The validation paper work I just received states that I was given a discount by the hospital in the amount of 916.83 dollars, since I was uninsured at that time.
Why Chat which amount do I pay? Also I am prepared to pay the OC with the Hipaa letter and bank money order. I will proceed after you respond to this post. Thank you.
#16
Posted 29 June 2012 - 02:52 PM
I don't think this is REAL "validation" as it apparently doesn't match on the figures. What do you mean by "copies of the contract you signed"??
Thanks for the quick response. Remember I sent a generic dispute to the CRAs in the beginning before I found this site, luckily I did opt out because I had heard about it in another forum, but didn't delete old addresses. I'll send these out today and come back with more news.
Update for Why Chat
After sending the medical DV to Central Financial Control and the follow up disputes to the CRAs, Central Financial Control has validated the debt. They provided copies of the contract that I signed and also the date of service, however, there is one thing not adding up. My credit reports and the initial response from CFC to the Medical DV said I owed 800 dollars. The validation paper work I just received states that I was given a discount by the hospital in the amount of 916.83 dollars, since I was uninsured at that time.
Why Chat which amount do I pay? Also I am prepared to pay the OC with the Hipaa letter and bank money order. I will proceed after you respond to this post. Thank you.
Have you had any response from the CRAs to the follow up dispute??
What ever hapenned with the prior payment to the OC that wasn't deposited??
#17
Posted 01 July 2012 - 08:38 AM
I don't think this is REAL "validation" as it apparently doesn't match on the figures. What do you mean by "copies of the contract you signed"??
Thanks for the quick response. Remember I sent a generic dispute to the CRAs in the beginning before I found this site, luckily I did opt out because I had heard about it in another forum, but didn't delete old addresses. I'll send these out today and come back with more news.
Update for Why Chat
After sending the medical DV to Central Financial Control and the follow up disputes to the CRAs, Central Financial Control has validated the debt. They provided copies of the contract that I signed and also the date of service, however, there is one thing not adding up. My credit reports and the initial response from CFC to the Medical DV said I owed 800 dollars. The validation paper work I just received states that I was given a discount by the hospital in the amount of 916.83 dollars, since I was uninsured at that time.
Why Chat which amount do I pay? Also I am prepared to pay the OC with the Hipaa letter and bank money order. I will proceed after you respond to this post. Thank you.
Have you had any response from the CRAs to the follow up dispute??
What ever hapenned with the prior payment to the OC that wasn't deposited??
The paperwork they sent seems to be copies of a financial responsibility agreement. They did not send proof of services and the total amount in the letter they sent me is 116 more than what is showing up on my credit reports. They also listed the amount owed as 800 dollars in the initial response letter to my Med DV. Now all of a sudden they write back that the hospital gave me a discount of 916 bucks. I'm really confused.
Experian has sent in a reply that seems to amount to a fraud alert. I never asked them for a fraud alert, so I'm wondering why they have done this. It seems they are reinvestigation the the collection, as my score has gone up, but no specific response to the follow up letter to them, just a fraud alert. No response as of yet from Transunion or CSC Services. I am really confused now. What's my next move????
Edit: WhyChat sorry to confuse you, but the other payment you are asking about was for another med collection that a different CA agreed to delete when it was paid. They sent me a signed letter in writing. I did all of this before I came here to work on this collection because I did not know about the Hipaa method at that time.
Edited by New_GTI, 01 July 2012 - 08:43 AM.
#18
Posted 01 July 2012 - 09:10 AM
I don't think this is REAL "validation" as it apparently doesn't match on the figures. What do you mean by "copies of the contract you signed"??
Thanks for the quick response. Remember I sent a generic dispute to the CRAs in the beginning before I found this site, luckily I did opt out because I had heard about it in another forum, but didn't delete old addresses. I'll send these out today and come back with more news.
Update for Why Chat
After sending the medical DV to Central Financial Control and the follow up disputes to the CRAs, Central Financial Control has validated the debt. They provided copies of the contract that I signed and also the date of service, however, there is one thing not adding up. My credit reports and the initial response from CFC to the Medical DV said I owed 800 dollars. The validation paper work I just received states that I was given a discount by the hospital in the amount of 916.83 dollars, since I was uninsured at that time.
Why Chat which amount do I pay? Also I am prepared to pay the OC with the Hipaa letter and bank money order. I will proceed after you respond to this post. Thank you.
Have you had any response from the CRAs to the follow up dispute??
What ever hapenned with the prior payment to the OC that wasn't deposited??
The paperwork they sent seems to be copies of a financial responsibility agreement. They did not send proof of services and the total amount in the letter they sent me is 116 more than what is showing up on my credit reports. They also listed the amount owed as 800 dollars in the initial response letter to my Med DV. Now all of a sudden they write back that the hospital gave me a discount of 916 bucks. I'm really confused. It does not seem to me that the what you received from them are copies of any CURRENT communication from the OC. It appears that they received a copy of your paperwork when they first obtained the account, however unless you received a RECENTLY DATED copy of SOME communication to them from the OC you can be sure that they have NO CURRENT RELATIONSHIP
Experian has sent in a reply that seems to amount to a fraud alert. I never asked them for a fraud alert, so I'm wondering why they have done this. It seems they are reinvestigation the the collection, as my score has gone up, but no specific response to the follow up letter to them, just a fraud alert. No response as of yet from Transunion or CSC Services. I am really confused now. What's my next move???? Wait until you get written responses from everyone, a fraud alert is typical and it will be on all 3 reports, it will HELP you in your disputes and only lasts 90 days
Edit: WhyChat sorry to confuse you, but the other payment you are asking about was for another med collection that a different CA agreed to delete when it was paid. They sent me a signed letter in writing. I did all of this before I came here to work on this collection because I did not know about the Hipaa method at that time.
#19
Posted 01 July 2012 - 02:40 PM
I don't think this is REAL "validation" as it apparently doesn't match on the figures. What do you mean by "copies of the contract you signed"??
Thanks for the quick response. Remember I sent a generic dispute to the CRAs in the beginning before I found this site, luckily I did opt out because I had heard about it in another forum, but didn't delete old addresses. I'll send these out today and come back with more news.
Update for Why Chat
After sending the medical DV to Central Financial Control and the follow up disputes to the CRAs, Central Financial Control has validated the debt. They provided copies of the contract that I signed and also the date of service, however, there is one thing not adding up. My credit reports and the initial response from CFC to the Medical DV said I owed 800 dollars. The validation paper work I just received states that I was given a discount by the hospital in the amount of 916.83 dollars, since I was uninsured at that time.
Why Chat which amount do I pay? Also I am prepared to pay the OC with the Hipaa letter and bank money order. I will proceed after you respond to this post. Thank you.
Have you had any response from the CRAs to the follow up dispute??
What ever hapenned with the prior payment to the OC that wasn't deposited??
The paperwork they sent seems to be copies of a financial responsibility agreement. They did not send proof of services and the total amount in the letter they sent me is 116 more than what is showing up on my credit reports. They also listed the amount owed as 800 dollars in the initial response letter to my Med DV. Now all of a sudden they write back that the hospital gave me a discount of 916 bucks. I'm really confused. It does not seem to me that the what you received from them are copies of any CURRENT communication from the OC. It appears that they received a copy of your paperwork when they first obtained the account, however unless you received a RECENTLY DATED copy of SOME communication to them from the OC you can be sure that they have NO CURRENT RELATIONSHIP
Experian has sent in a reply that seems to amount to a fraud alert. I never asked them for a fraud alert, so I'm wondering why they have done this. It seems they are reinvestigation the the collection, as my score has gone up, but no specific response to the follow up letter to them, just a fraud alert. No response as of yet from Transunion or CSC Services. I am really confused now. What's my next move???? Wait until you get written responses from everyone, a fraud alert is typical and it will be on all 3 reports, it will HELP you in your disputes and only lasts 90 days
Edit: WhyChat sorry to confuse you, but the other payment you are asking about was for another med collection that a different CA agreed to delete when it was paid. They sent me a signed letter in writing. I did all of this before I came here to work on this collection because I did not know about the Hipaa method at that time.
Why Chat you are the best. We are all grateful. I will be patient and wait. I will come back once I get a response from all three CRAs, or another response from the CA.
#20
Posted 03 July 2012 - 08:01 PM
I don't think this is REAL "validation" as it apparently doesn't match on the figures. What do you mean by "copies of the contract you signed"??
Thanks for the quick response. Remember I sent a generic dispute to the CRAs in the beginning before I found this site, luckily I did opt out because I had heard about it in another forum, but didn't delete old addresses. I'll send these out today and come back with more news.
Update for Why Chat
After sending the medical DV to Central Financial Control and the follow up disputes to the CRAs, Central Financial Control has validated the debt. They provided copies of the contract that I signed and also the date of service, however, there is one thing not adding up. My credit reports and the initial response from CFC to the Medical DV said I owed 800 dollars. The validation paper work I just received states that I was given a discount by the hospital in the amount of 916.83 dollars, since I was uninsured at that time.
Why Chat which amount do I pay? Also I am prepared to pay the OC with the Hipaa letter and bank money order. I will proceed after you respond to this post. Thank you.
Have you had any response from the CRAs to the follow up dispute??
What ever hapenned with the prior payment to the OC that wasn't deposited??
The paperwork they sent seems to be copies of a financial responsibility agreement. They did not send proof of services and the total amount in the letter they sent me is 116 more than what is showing up on my credit reports. They also listed the amount owed as 800 dollars in the initial response letter to my Med DV. Now all of a sudden they write back that the hospital gave me a discount of 916 bucks. I'm really confused. It does not seem to me that the what you received from them are copies of any CURRENT communication from the OC. It appears that they received a copy of your paperwork when they first obtained the account, however unless you received a RECENTLY DATED copy of SOME communication to them from the OC you can be sure that they have NO CURRENT RELATIONSHIP
Experian has sent in a reply that seems to amount to a fraud alert. I never asked them for a fraud alert, so I'm wondering why they have done this. It seems they are reinvestigation the the collection, as my score has gone up, but no specific response to the follow up letter to them, just a fraud alert. No response as of yet from Transunion or CSC Services. I am really confused now. What's my next move???? Wait until you get written responses from everyone, a fraud alert is typical and it will be on all 3 reports, it will HELP you in your disputes and only lasts 90 days
Edit: WhyChat sorry to confuse you, but the other payment you are asking about was for another med collection that a different CA agreed to delete when it was paid. They sent me a signed letter in writing. I did all of this before I came here to work on this collection because I did not know about the Hipaa method at that time.
Why Chat you are the best. We are all grateful. I will be patient and wait. I will come back once I get a response from all three CRAs, or another response from the CA.
Update for Why Chat:
I received a response from Transunion. They sent me a frivolous dispute letter. I'm still waiting on a response from CSC Services.
#21
Posted 03 July 2012 - 10:18 PM
TU frequently says one thing and does another, check your TU report in another week, if the response from TU was quick they may have actually deleted.
I don't think this is REAL "validation" as it apparently doesn't match on the figures. What do you mean by "copies of the contract you signed"??
Thanks for the quick response. Remember I sent a generic dispute to the CRAs in the beginning before I found this site, luckily I did opt out because I had heard about it in another forum, but didn't delete old addresses. I'll send these out today and come back with more news.
Update for Why Chat
After sending the medical DV to Central Financial Control and the follow up disputes to the CRAs, Central Financial Control has validated the debt. They provided copies of the contract that I signed and also the date of service, however, there is one thing not adding up. My credit reports and the initial response from CFC to the Medical DV said I owed 800 dollars. The validation paper work I just received states that I was given a discount by the hospital in the amount of 916.83 dollars, since I was uninsured at that time.
Why Chat which amount do I pay? Also I am prepared to pay the OC with the Hipaa letter and bank money order. I will proceed after you respond to this post. Thank you.
Have you had any response from the CRAs to the follow up dispute??
What ever hapenned with the prior payment to the OC that wasn't deposited??
The paperwork they sent seems to be copies of a financial responsibility agreement. They did not send proof of services and the total amount in the letter they sent me is 116 more than what is showing up on my credit reports. They also listed the amount owed as 800 dollars in the initial response letter to my Med DV. Now all of a sudden they write back that the hospital gave me a discount of 916 bucks. I'm really confused. It does not seem to me that the what you received from them are copies of any CURRENT communication from the OC. It appears that they received a copy of your paperwork when they first obtained the account, however unless you received a RECENTLY DATED copy of SOME communication to them from the OC you can be sure that they have NO CURRENT RELATIONSHIP
Experian has sent in a reply that seems to amount to a fraud alert. I never asked them for a fraud alert, so I'm wondering why they have done this. It seems they are reinvestigation the the collection, as my score has gone up, but no specific response to the follow up letter to them, just a fraud alert. No response as of yet from Transunion or CSC Services. I am really confused now. What's my next move???? Wait until you get written responses from everyone, a fraud alert is typical and it will be on all 3 reports, it will HELP you in your disputes and only lasts 90 days
Edit: WhyChat sorry to confuse you, but the other payment you are asking about was for another med collection that a different CA agreed to delete when it was paid. They sent me a signed letter in writing. I did all of this before I came here to work on this collection because I did not know about the Hipaa method at that time.
Why Chat you are the best. We are all grateful. I will be patient and wait. I will come back once I get a response from all three CRAs, or another response from the CA.
Update for Why Chat:
I received a response from Transunion. They sent me a frivolous dispute letter. I'm still waiting on a response from CSC Services.
#22
Posted 05 July 2012 - 01:15 PM
TU frequently says one thing and does another, check your TU report in another week, if the response from TU was quick they may have actually deleted.
I don't think this is REAL "validation" as it apparently doesn't match on the figures. What do you mean by "copies of the contract you signed"??
Thanks for the quick response. Remember I sent a generic dispute to the CRAs in the beginning before I found this site, luckily I did opt out because I had heard about it in another forum, but didn't delete old addresses. I'll send these out today and come back with more news.
Update for Why Chat
After sending the medical DV to Central Financial Control and the follow up disputes to the CRAs, Central Financial Control has validated the debt. They provided copies of the contract that I signed and also the date of service, however, there is one thing not adding up. My credit reports and the initial response from CFC to the Medical DV said I owed 800 dollars. The validation paper work I just received states that I was given a discount by the hospital in the amount of 916.83 dollars, since I was uninsured at that time.
Why Chat which amount do I pay? Also I am prepared to pay the OC with the Hipaa letter and bank money order. I will proceed after you respond to this post. Thank you.
Have you had any response from the CRAs to the follow up dispute??
What ever hapenned with the prior payment to the OC that wasn't deposited??
The paperwork they sent seems to be copies of a financial responsibility agreement. They did not send proof of services and the total amount in the letter they sent me is 116 more than what is showing up on my credit reports. They also listed the amount owed as 800 dollars in the initial response letter to my Med DV. Now all of a sudden they write back that the hospital gave me a discount of 916 bucks. I'm really confused. It does not seem to me that the what you received from them are copies of any CURRENT communication from the OC. It appears that they received a copy of your paperwork when they first obtained the account, however unless you received a RECENTLY DATED copy of SOME communication to them from the OC you can be sure that they have NO CURRENT RELATIONSHIP
Experian has sent in a reply that seems to amount to a fraud alert. I never asked them for a fraud alert, so I'm wondering why they have done this. It seems they are reinvestigation the the collection, as my score has gone up, but no specific response to the follow up letter to them, just a fraud alert. No response as of yet from Transunion or CSC Services. I am really confused now. What's my next move???? Wait until you get written responses from everyone, a fraud alert is typical and it will be on all 3 reports, it will HELP you in your disputes and only lasts 90 days
Edit: WhyChat sorry to confuse you, but the other payment you are asking about was for another med collection that a different CA agreed to delete when it was paid. They sent me a signed letter in writing. I did all of this before I came here to work on this collection because I did not know about the Hipaa method at that time.
Why Chat you are the best. We are all grateful. I will be patient and wait. I will come back once I get a response from all three CRAs, or another response from the CA.
Update for Why Chat:
I received a response from Transunion. They sent me a frivolous dispute letter. I'm still waiting on a response from CSC Services.
Update for WhyChat
Just received written word from Experian. They have updated the account
. CSC/ Equifax signed for my letter about a week after Transunion and Experian, so I expect word from them by next week. Central Financial Control is a beast! I'm still confused about the different amount that shows on my credit reports and the amount they claimed the OC charged me. They never sent me a list of services rendered. Just a paper that was signed by me they claim is a "contract" I almost wish they can prove a current relationship with the OC so I can deal with the OC right away...frustrated, but still hopeful and grateful for your help WhyChat.
#23
Posted 05 July 2012 - 05:39 PM
Wait until you have word from the other CRAs, you MAY have to file an FTC complaint against Ex if the other 2 CRAs delete.Update for WhyChat
Just received written word from Experian. They have updated the account
#24
Posted 13 July 2012 - 06:06 PM
Wait until you have word from the other CRAs, you MAY have to file an FTC complaint against Ex if the other 2 CRAs delete.
Update for WhyChat
Just received written word from Experian. They have updated the account
Update for WhyChat:
I have received word from all three CRAs. They each verified the account for a second time. Central Financial Control still has not sent me proof of services rendered or anything CURRENT from the OC accept some papers that I signed back in 2009. On top of all that as I said before the amount they claim I was charged is different from the amounts on my credit reports.
#25
Posted 14 July 2012 - 07:22 PM
OK, pay the OC with the HIPAA letter insert "a" Pay the smaller amount of whatever bills you received from the OC.
Wait until you have word from the other CRAs, you MAY have to file an FTC complaint against Ex if the other 2 CRAs delete.
Update for WhyChat
Just received written word from Experian. They have updated the account
Update for WhyChat:
I have received word from all three CRAs. They each verified the account for a second time. Central Financial Control still has not sent me proof of services rendered or anything CURRENT from the OC accept some papers that I signed back in 2009. On top of all that as I said before the amount they claim I was charged is different from the amounts on my credit reports.
http://www.whychat.5u.com/hipltr.html
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