HIPPA Question

[tnc615]

I have a question. I am new to the board and been reading over the Whychat HIPPA process. Will this work on items that were delinquent:Paid? I have a couple items that I paid thinking after being told that that it would help my credit and it did pretty much nothing. I have done step one and disputed CRA came back with "The creditor has verified to OUR company that the balloon payment due date is being reported correctly. If you have additional questions, about this item please contact:XXX" Did I goof it up by paying it a couple years ago?

 

Thank you!

 

tnc615

[Why Chat]

I have a question. I am new to the board and been reading over the Whychat HIPPA process. Will this work on items that were delinquent:Paid? I have a couple items that I paid thinking after being told that that it would help my credit and it did pretty much nothing. I have done step one and disputed CRA came back with "The creditor has verified to OUR company that the balloon payment due date is being reported correctly. If you have additional questions, about this item please contact:XXX" Did I goof it up by paying it a couple years ago?

 

Thank you!

 

tnc615

Is this a medical account?? The HIPAA letter program is ONLY for medical accounts. I can't think of any medical account that would have a "balloon payment"

 

If this is a medical account, then yes , the HIPAA letter program will work to an extent.

Follow all the basic steps:

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

 

when you get through all the basic steps and have sent the initial dispute letter to the CRAs, you will see that there is a follow up medical DV for accounts reporting with a balance due, and accounts reporting as "paid", which one is your situation??

 

The only part of the HIPAA letter program you can't do at this time, ( and probably never as it is an old account) is to involve the OC because you paid the CA.

[tnc615]

 

I have a question. I am new to the board and been reading over the Whychat HIPPA process. Will this work on items that were delinquent:Paid? I have a couple items that I paid thinking after being told that that it would help my credit and it did pretty much nothing. I have done step one and disputed CRA came back with "The creditor has verified to OUR company that the balloon payment due date is being reported correctly. If you have additional questions, about this item please contact:XXX" Did I goof it up by paying it a couple years ago?

 

Thank you!

 

tnc615

Is this a medical account?? The HIPAA letter program is ONLY for medical accounts. I can't think of any medical account that would have a "balloon payment"

 

If this is a medical account, then yes , the HIPAA letter program will work to an extent.

Follow all the basic steps:

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

 

when you get through all the basic steps and have sent the initial dispute letter to the CRAs, you will see that there is a follow up medical DV for accounts reporting with a balance due, and accounts reporting as "paid", which one is your situation??

 

The only part of the HIPAA letter program you can't do at this time, ( and probably never as it is an old account) is to involve the OC because you paid the CA.

 

 

Yes it is a medical account that I paid a couple of years ago. It was a Paid:Collection but I after I disputed they entered the above statement.

[tnc615]

~~ Follow Up~~

 

Opted out

 

Disputed/ Removed old addresses.

 

Sent letter RE:Creditor A to TU

 

Sent letters RE:Creditor B to EQ & EX (4/17/2013)

 

Received response from TU **Deleted** (Thank you WHY CHAT!)

 

Item still in dispute according to EQ Site

 

Today I received the following letter from EX:

 

5/2/2013

Dear Me:

To assist you in understanding your correction summery, we

have provided additional information that relates directly to items on your
personal credit report.

When a medical bill is seriously past due, the provider may

use internal collection department, hire an attorney or contract with a
collection agency to collect payments and this information may be reported to
us since it is a financial obligation. Once the payments have been collected,
the account will display as “paid/collection” and may remain on the report for
seven years.

Because we cannot display certain medical information

relating to physical, mental or behavioral health or conditions by law, the
company name will display only as “Medical payment data”.

Although we do not generally collect tis type of

information, it may appear in the name of a data furnisher, for example “Cancer
Center.” To prevent this, we mask the names of the data furnishers that provide
us medical payment history when we provide your information to others.

When you dispute the accuracy or completeness of information

on your personal credit report and tell us specifically why you believe the
information is inaccurate or incomplete, we process your dispute as required by
law. We contact the furnisher of the information or the vendor hat collected
the information from a public record source such as a court or other government
office. We ask the furnisher or the vendor to conduct a through and complete
investigation to verify all of the information regarding the item you disputed
and report back to us within 30 days of the date that we received your request
(21 Days for Maine residents and 45 days for disputes of information on an
annual free credit report). We review and consider the response to determine
whether to accept it, reject it, or follow up for additional information. If,
after processing, we find that the disputed information is inaccurate,
incomplete or cannot be verified, we then delete that information, or modify
that information as appropriate, based upon your disputed the results of our
processing, If we do not receive a response from the furnisher or the vendor
within the required period, we update the item as you have requested or delete
the information, and send you the results. In some instances, upon reviewing
your credit file and any relevant information you have submitted to us, we are
able to determine whether the disputed information should be changed or deleted
without having to contact furnisher or the vendor. After we complete our
processing, we send you the results. In addition to your right to dispute
information in your credit file with the credit reporting agencies, you also
have the right to dispute information in your credit report directly with the
furnisher of the information.

If you have any question the results of our dispute process,
then you may want to contact the furnisher of the information directly or
review the original information in the public record. Please refer to your
personal credit report for the furnisher or public records office name,
address, and telephone number (if available)

Sincerely,

EX

 

It has not been 30 days since they received my dispute. Should I go a head and send the "Alternative Medical DV" letter or should I wait until 30 days has lapsed?

 

Thanks again for you assistance!

[Why Chat]

You received a standard "stall" letter response. Check your report ( back door) to see if the account is marked as in dispute or under investigation.

 

If there is nothing showing, then wait another week for your response from Eq and then send the medical DVs to the CA and the follow up dispute(s) to Ex and Eq if neccessary.

[tnc615]

Thanks again Why Chat!

 

I just looked on Ex and it shows nothingn ( I know its usually bold and red that item is under dispute). I will send DV out once I get something from EQ. Its currently showing as " - ". Not sure what that means but we shall see!

[tnc615]

Why Chat,

 

Follow up. The creditor that deleted from TU, sent me a "verification" package. Basically it was just old bills, some look like they were created in micrsoft word. Since they were responding (albeit 30+ days after initial dispute with TU) to my TU dispute, should I return and send the the "COLLECTION AGENCY VALIDATION/DISPUTE/CEASE AND DESIST" letter CMRR?

 

On an aside, they have not reinsterted to credit report.

 

Thanks!

[Why Chat]

No, just keep hard copies of your clean credit report. The CA was sending you a "cover my A$$" letter so they don't get into trouble regarding HIPAA.

 

Are they reporting on your other reports??

[tnc615]

They are currently not reporting on any other reports.

[tnc615]

Why Chat, so I am approaching the 30 day point with DV to the CA to Creditor B and am yet to receive a response. Should I send out the
follow up letter TO CRA on exactly 30 days or would you wait a few extra days?

Edited June 7, 2013 by tnc615

[Why Chat]

You should have sent the follow up letter as soon as you had proof of receipt .

 

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

 

 

As soon as you have proof of receipt of the above medical DVs, you send each CRA this:

FOLLOW UP DISPUTE LETTER TO CRAs

[tnc615]

well I guess I get an F-! Thanks sending tomorrow!

[Why Chat]

No, not an "F" more like a C-

 

I grade on the curve

 

At least you knew to send the follow up dispute and to ASK!!

[tnc615]

I sent them. EX is showing not delivered after almost a month since I sent it. EQ has had it for 11 days (RR was delivers as well) and account was still there as of yesterday. Have you ever seen or heard of it come back validated this late in the game? If I failed by not sending the follow up letter as soon as I got it how long would you recommend before I try again?

 

Thanks!

[Why Chat]

I have lost track of your situation--

 

You have a CA reporting to TWO CRAs ( Ex & Eq)on an account??

 

You disputed it, and it was verified??

 

You sent the CA the medical DV, and some time afterwards sent the CRAs the follow up dispute with a copy of the medical DV and you have had no response??

 

Check your Ex and Eq reports on line (back door) see if the account is still showing, see if it is marked as in dispute or disputed by consumer.

[tnc615]

I have lost track of your situation--

 

You have a CA reporting to TWO CRAs ( Ex & Eq)on an account??

 

You disputed it, and it was verified??

 

You sent the CA the medical DV, and some time afterwards sent the CRAs the follow up dispute with a copy of the medical DV and you have had no response??

 

Check your Ex and Eq reports on line (back door) see if the account is still showing, see if it is marked as in dispute or disputed by consumer.

 

Correct! I did not read that I was supposed to send the follow up to the CRA after I got the green card back. I sent them in a week or so after getting the green card. EQ is showing delivered and currently being reinvestigated. When I track EX it that it was just delivered yesterday. Mailed on the 10th.

Edited June 25, 2013 by tnc615

[tnc615]

Whychat here is an update

 

EQ:>>> We have researched the collection account. Account # - The results are: We verified that

this item belongs to you. If you have additional questions about this item please contact:

 

EX: Some BS letter stating that they perviously investigated it and they will not be reinvestigating it under FCRA section 611(a)(3)(A).

 

any thoughts?

[Why Chat]

OK,

 

I went back to the beginning of your thread.

 

You had a medical account ( Date of service??)

 

You paid the (CA? OC?) on the account ( when?)

 

It is reporting on Eq and Ex ( reporting as paid? reporting with a balance due?)

 

You disputed it

You sent the medical DV

You sent the follow up letters

 

Both Ex and Eq still verified.

 

Are the accounts reporting as paid? unpaid? is there a notation on both reports "disputed by consumer"??

[tnc615]

Date of service - 11/2009 for 76.00

 

Paid CA 03/30/2012

 

Reporting to Eq and Ex as: Status as of 07/2013 -Paid

 

You disputed it - Yes

 

You sent the medical DV - Yes, they did not respond at all.

 

You sent the follow up letters - Yes about 10 days later than what you recommended .

 

Both Ex and Eq still verified. - Yes. I sent the letter from your website and copies of the CMRR & CMR receipt. Eq was at least nice about it. Ex sent a nasty letter saying that they will not reinvestigate.

 

Reports are reporting "Paid" and no notation of disputed by consumer.

[Why Chat]

File a FTC and CFPB complaint against both Eq and Ex

 

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

 

Be sure to stress that the accounts are NOT shown as disputed. List all your efforts to get this UNKNOWN medical account deleted from your reports

 

Send copies of the disputes to Ex and Eq with a brief cover letter, make sure you include the suggested phrases.