On the HIPAA road...just making sure....

[kywymy]

Just checking in with my partial success towards HIPAA process....

 

I have 3 old PAID med accounts that were still showing up on my CRAs so I started Whychat's process 2 months ago and here's my progress so far:

 

1.) opted out

2.) requested copy of MIB report

3.) received current copies of credit reports from all 3 CRA's and had old addresses removed

4.) sent pre-HIPAA letters to all 3 CRAs and TU removed all timelines, EX and EQ verified but provided no details except address of CA

5.) have prepared and will send out CMRR tomorrow the "Alternate Medical DV for accounts that have been paid to the reporting CA and are being reported as "Paid Collections" letters to CA for EX and EQ

6.) After getting the green card back, I will send follow up letters to the CRAs (EX and EQ)

 

Luckily I am only dealing with 1 CA. I just only wish I knew then what I know now. I paid CA for all three after only one month of delinquency and didn't know anything about the process back then. Oh well, doing the best I can at this point.

 

If any one is interested the amounts and creditors are as follows:

 

XXX Hemophilia Center $25 (bogus to begin with because my daughter was on Medicaid and we should never have had a copay, glad everyone knows we have a bleeding disorder--NOT!)

 

Anesthesiologist Consultants XXX $67 (My surgery)

 

XXXXXX Hospital $1,286 (My surgery)

 

I will post again after I get responses from the CA (or not) for more advice and next steps...

 

 

 

[Why Chat]

Make sure you send the medical DVs certified only without a return receipt requested if the are going to a PO box.

 

The next step is to send the follow up dispute to the CRAs with a copy of the medical DV and proof of receipt.

 

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

[kywymy]

Hi, whychat,

 

I actually had a physical address to send the DVs to so I sent them CMRR (although I had taken note of the PO box stipulation) and I sent them in the same envelope today after work.

 

I'll await the green card and then send the follow up letters to the CRAs.

 

Thanks again for all you do.

[kywymy]

Sent out the follow up letters to CRA's (EX and EQ) today with copies of green card with siggie receipt and copy of Medical DV letters sent to CA. I sen them each CM w/out RR because they were going to PO's, hope that was right. If not, I can always resend them CMRR.

[kywymy]

Good news...I just checked EX through the back door and they are gone! The medical DV to the CA must have worked. Off to check the EQ back door.

[kywymy]

Edited for duplicate post.

Edited May 29, 2013 by kywymy

[kywymy]

No luck on the back door for EQ...and so it continues. Each stage of the letter writing process has triggered one complete deletion per CRA so I am starting to believe the last one will do the trick. If not, I hope formal FTC and CFPB complaints will work. I suppose it's also possible that EQ is just slow to remove as the letters were only signed for 1 week ago by CA. Fingers crossed.

[kywymy]

Good news this morning. I received a letter from CA yesterday saying they were deleting all paid medical accounts and I checked EQ through the back door again and they in fact also gone. So it looks like the letter writing process worked for me at the Medical DV to CA on paid accounts worked.

 

Thanks Why Chat for all of your wisdom in this process. I can attest that it really works if you follow the process to the letter. (no pun intended).

Edited May 30, 2013 by kywymy