Sent Pre HIPPA Dispute, CRA's failed to complete in 30 days

[VanillaGorilla]

Sent WhyChat's Pre HIPPA dispute to the CRA's and all three failed to complete their investigation within 30 days.

 

All 3 disputes were delivered on Feb 22, 2013. Experian sent me a letter stating their investigation was complete and to

see the results below: It says still pending and projected completion is April 10th. I have included the snapshot below.

I do not remember anywhere where it says they can do that?

IIRC, they have to send the results of their investigation within 5 days after the 30, correct?

 

I have not received anything from Equifax or Transunion.

 

 

 

[VanillaGorilla]

Good Morning Bump

[Why Chat]

Do you have an original thread on this subject?? If so, please use that thread to add new questions or comments. I have no way of knowing if you followed the essential steps.

 

http://www.whychat.5u.com/GUIDEBOOK.html

[VanillaGorilla]

I do not have an original thread. I was accidentally posting in someone else's thread and you had mentioned to start my own, which is this thread.

[Why Chat]

OK,

 

I thought your "name" was familiar!!

 

Did you follow all the steps in the guide BEFORE disputing??

 

How old are the accounts ( dates of service)

 

Are these left over from insurance??

 

If so do you have your EOMBs

 

The CRAs can extend the time they have to deal with any disputes by 15 days each time you inquire about the status.

[VanillaGorilla]

OK,

 

I thought your "name" was familiar!!

 

Did you follow all the steps in the guide BEFORE disputing?? YES

 

How old are the accounts ( dates of service) 1/2/2011

 

Are these left over from insurance?? YES

 

If so do you have your EOMBs NO - How do I obtain these?

 

The CRAs can extend the time they have to deal with any disputes by 15 days each time you inquire about the status. During the dispute process, nor anytime after that, I did not inquire about the dispute status.

[Why Chat]

 

OK,

 

I thought your "name" was familiar!!

 

Did you follow all the steps in the guide BEFORE disputing?? YES

 

How old are the accounts ( dates of service) 1/2/2011

 

Are these left over from insurance?? YES

 

If so do you have your EOMBs NO - How do I obtain these? From your insurance Co. look for "patient responsibility"

 

The CRAs can extend the time they have to deal with any disputes by 15 days each time you inquire about the status. During the dispute process, nor anytime after that, I did not inquire about the dispute status.

[VanillaGorilla]

Once I have the EOMB's, what should I do next since the CRA's failed to complete their investigation?

[Why Chat]

Well--- it depends on what the results are when the investigation is complete and you have a response from the CRAs.

 

If the accounts are deleted, you obviously would need not do anything further.

 

If the accounts are NOT deleted and you receive a response from the reporting CAs that matches the data on your EOMBs, you can pay the OC with the HIPAA letter insert "a".

 

If the accounts are NOT deleted and you receive NO response from the reporting CA, then you need to send the reporting CA the medical DV and re-dispute to the CRAs with the follow up dispute

 

The fact that they are reporting, even if your EOMBs indicate that they are valid debts, does NOT automatically mean that you can pay the OC as the reporting CA may not be the original assigned CA and may not have any current relationship with the OC.

[VanillaGorilla]

Well--- it depends on what the results are when the investigation is complete and you have a response from the CRAs. It has been 40 days since they received my Pre HIPPA dispute and the only thing I have received is the above posted letter from Experian.

 

If the accounts are deleted, you obviously would need not do anything further. Crossing Fingers

 

If the accounts are NOT deleted and you receive a response from the reporting CAs that matches the data on your EOMBs, you can pay the OC with the HIPAA letter insert "a". Haven't received anything from the CA's as of yet....

 

If the accounts are NOT deleted and you receive NO response from the reporting CA, then you need to send the reporting CA the medical DV and re-dispute to the CRAs with the follow up dispute Should I do this now?

 

The fact that they are reporting, even if your EOMBs indicate that they are valid debts, does NOT automatically mean that you can pay the OC as the reporting CA may not be the original assigned CA and may not have any current relationship with the OC.

[VanillaGorilla]

Bump

[VanillaGorilla]

I am going to try the letters again. Reading back through the HIPPA program, I am confused - one page says to send the Pre HIPPA to the CRA's first and the other page says to send dispute to the CA's first?

[VanillaGorilla]

One of the medicals got deleted one the first go around. The other was "updated" by the CRA.

 

The original account is not showing on the reports, only the collection.

[Why Chat]

You need to start from scratch and go step by step:

 

http://www.whychat.5u.com/GUIDEBOOK.html

 

Once you have opted out and deleted old addresses, then the next step is to send the initial dispute letter to the CRAs

 

http://www.whychat.5u.com/GUIDE%20HIPAA%20PROGRAM.html

 

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

 

What happens after that depends on the results from your initial dispute, everyone's situation is different.

Come back to this post with the results of your NEW initial disputes for further individualized instructions.

 

Be sure to tell us if any accounts were deleted with your new dispute and if they were deleted from ALL reports.

Also the date of the medical services

 

Original health care providers are not allowed to report directly so you will NEVER see an OC health care provider on any credit reports.

 

The HIPAA letter program IS complex, that is why we ask that you keep all your posts in one thread and do not try to copy advice intended for someone else.

[VanillaGorilla]

All three of the CRA's deleted First Source Advantage and updated Professional Finance Co. from the initial dispute letter.

[Why Chat]

OK,

So you go to the next step:

 

http://www.whychat.5u.com/GUIDE%20HIPAA%20PROGRAM.html

 

which is the medical DV to Professional Finance

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

 

and the follow up dispute letter to the CRA(s)

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

[VanillaGorilla]

Medical DV was received by Professional Finance today 12/9/13

Once I saw online that it was delivered,

 

I sent the follow-up dispute letters to the CRA's today.

 

Crossing Fingers.

[VanillaGorilla]

Update:

 

12/6/13 - Sent Medical DV to CA (Professional Finance).

12/9/13 - Professional Finance Received DV.

 

No Response from Professional Finance 30+ days later. They did put the acct in a dispute status with the CRA's.

 

12/9/13 - Sent Follow Up Dispute to EX, EQ, & TU

 

Experian Received the Dispute on December 19th (10 Days after I sent it)

Equifax Received the Dispute on December 12th ( 3 Days after I sent it)

TransUnion Never accepted the dispute and it has not been returned. I have no clue where it is. Just shows as "Departed Sort Facility" and disappeared.

 

I received a letter from EQ on Dec 31, 2013 stating "We have verified that this item belongs to you."

I received a letter from TU on Dec 27, 2013 stating "We are currently investigating your dispute and will send our response in the mail"

I received a letter from EX on Dec 24, 2013 stating "We are responding to your request to investigate items on your report. The address you supplied is not the same as the address on your report. As a security precaution, we must verify your mailing address."

 

Where should I go from here?

Edited January 12, 2014 by VanillaGorilla

[Why Chat]

Update:

 

12/6/13 - Sent Medical DV to CA (Professional Finance).

12/9/13 - Professional Finance Received DV.

 

No Response from Professional Finance 30+ days later. They did put the acct in a dispute status with the CRA's.

 

12/9/13 - Sent Follow Up Dispute to EX, EQ, & TU

 

Experian Received the Dispute on December 19th (10 Days after I sent it)

Equifax Received the Dispute on December 12th ( 3 Days after I sent it)

TransUnion Never accepted the dispute and it has not been returned. I have no clue where it is. Just shows as "Departed Sort Facility" and disappeared.

 

I received a letter from EQ on Dec 31, 2013 stating "We have verified that this item belongs to you."

I received a letter from TU on Dec 27, 2013 stating "We are currently investigating your dispute and will send our response in the mail"

I received a letter from EX on Dec 24, 2013 stating "We are responding to your request to investigate items on your report. The address you supplied is not the same as the address on your report. As a security precaution, we must verify your mailing address." IS the address on your Ex report your current address?? Did you get old addresses deleted?? Send them proof of your current address -- copy of your drivers license, copy of your SS card, original recent utility bill

 

Where should I go from here?

[VanillaGorilla]

 

Update:

 

12/6/13 - Sent Medical DV to CA (Professional Finance).

12/9/13 - Professional Finance Received DV.

 

No Response from Professional Finance 30+ days later. They did put the acct in a dispute status with the CRA's.

 

12/9/13 - Sent Follow Up Dispute to EX, EQ, & TU

 

Experian Received the Dispute on December 19th (10 Days after I sent it)

Equifax Received the Dispute on December 12th ( 3 Days after I sent it)

TransUnion Never accepted the dispute and it has not been returned. I have no clue where it is. Just shows as "Departed Sort Facility" and disappeared.

 

I received a letter from EQ on Dec 31, 2013 stating "We have verified that this item belongs to you."

I received a letter from TU on Dec 27, 2013 stating "We are currently investigating your dispute and will send our response in the mail"

I received a letter from EX on Dec 24, 2013 stating "We are responding to your request to investigate items on your report. The address you supplied is not the same as the address on your report. As a security precaution, we must verify your mailing address." IS the address on your Ex report your current address?? Did you get old addresses deleted?? Send them proof of your current address -- copy of your drivers license, copy of your SS card, original recent utility bill

 

 

Where should I go from here?

 

I have been at the same address for 20+ years. About a year ago, I had all variations of my address deleted. The address on my EX report is my current address. Hasn't changed on there. I just wonder if this is the stall tactic they use?

Edited January 12, 2014 by VanillaGorilla

[Why Chat]

Possibly, send them the follow up dispute with the proof of your address and file a complaint with the CFPB regarding their salamanderic delay tactics.

 

Of course-- double check your report to see if someone elses address got mixed in with yours and double check the inquiries for signs of ID theft

Edited January 13, 2014 by Why Chat

[VanillaGorilla]

Possibly, send them the follow up dispute with the proof of your address and file a complaint with the CFPB regarding their salamanderic delay tactics.

 

Of course-- double check your report to see if someone elses address got mixed in with yours and double check the inquiries for signs of ID theft

Re-Sending Follow up dispute now.

 

What's next now that EQ and TU both verified and CA didn't respond?

[Why Chat]

 

Possibly, send them the follow up dispute with the proof of your address and file a complaint with the CFPB regarding their salamanderic delay tactics.

 

Of course-- double check your report to see if someone elses address got mixed in with yours and double check the inquiries for signs of ID theft

Re-Sending Follow up dispute now.

 

What's next now that EQ and TU both verified and CA didn't respond? Did you send the CA the medical DV?? If so, did you send EQ and TU the follow up dispute?? What is the date of medical service??

 

[VanillaGorilla]

Update:

 

12/6/13 - Sent Medical DV to CA (Professional Finance).

12/9/13 - Professional Finance Received DV.

 

No Response from Professional Finance 30+ days later. They did put the acct in a dispute status with the CRA's.

 

12/9/13 - Sent Follow Up Dispute to EX, EQ, & TU

 

Experian Received the Dispute on December 19th (10 Days after I sent it)

Equifax Received the Dispute on December 12th ( 3 Days after I sent it)

TransUnion Never accepted the dispute and it has not been returned. I have no clue where it is. Just shows as "Departed Sort Facility" and disappeared.

 

I received a letter from EQ on Dec 31, 2013 stating "We have verified that this item belongs to you."

I received a letter from TU on Dec 27, 2013 stating "We are currently investigating your dispute and will send our response in the mail"

I received a letter from EX on Dec 24, 2013 stating "We are responding to your request to investigate items on your report. The address you supplied is not the same as the address on your report. As a security precaution, we must verify your mailing address."

 

Date of Service was 1/2/2011

[Why Chat]

Did you get your EOMBs??