EX Response to first HIPAA letter

[LearningToFly]

I sent off the pre-HIPAA medical dispute letter from WhyChat to all 3 CRAs (http://whychat.5u.com/hipaadisp.html) and got a weird response from Experian:

 

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

 

That is utterly all that was on the paper other than the opposite side reading "this page has been left intentionally blank". I had not previously disputed these medical collections as they only recently appeared (due to a subrogation from a car accident that has yet to be settled).

 

Anyone received this response and know how I should proceed?

On a happier front, I did get a reply from Transunion that the Fox Collections account that was included in the pre-HIPAA letter to them has been deleted. Woo-hoo! (Keeping that letter in case it makes a re-appearance though).

[mariuszh]

Thats a standard response they send when they receive a dispute. Keep waiting for the actual dispute response.

[LearningToFly]

Okay thanks. The language about referring to the original report for the furnisher of data was concerning to me.

[mariuszh]

That is refering to the fact that if the item disputed is verfied, they recommend you contact the data furnisher (CA). Which is what the medical DV will have you do.

[HERE WE GO !!!]

Congrats on your deletion.

 

I can't even get Transunion to fix the problem regarding collections. I am a member of Transunion and about 10 days ago they went with a new format.

 

It says I have 2 collections which is correct but I can't see the collections. I have talked to Transunion 3 times about this and they "claim" that a repair ticket has been issued.

 

They can see the 2 collections, but I can't. Even talked to a stupidvisor and he couldn't do anything except apologize and telling me that Transunion is working on it.

 

Sure they are.

 

Glad things are better for you.

[LearningToFly]

UPDATE: Today I received the following in the mail from EX:

Results: Fox Collection Center - Remains; Receivable Solution Sp - Remains

"When a medical bill is seriously past due, the provider may use an internal collection department, hire an attorney or contract with a collection agency to collect the 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 this 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 data furnishers that provide us medical payment history when we provide your information to others. This requirement does not extend to the payment history that the data furnishers provide us. Your payment history with this creditor will be displayed in reports to others."

Nowhere in the document does Experian name the original creditor or make correlation between the CA and the OC (which I understood was the purpose of the first HIPAA letter). Any suggestions on my next move? I am still awaiting the response from EQ (only Fox appeared on TU, which they deleted). Thanks in advance.

Edited May 25, 2013 by LearningToFly

[Why Chat]

The purpose of the initial dispute letter is twofold, first to get the easy and immediate deletions, second to have a record of the CA verifying the account. There is NO WAY the CRA can supply the information that was requested, ONLY the reporting CA can do that and ONLY if they are an authorized current business associate of the OC.

 

The next step, once you have the results from the other CRAs is to send the CA the medical DV from the HIPAA letter program.

 

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

[LearningToFly]

Got it. Thanks Why Chat. I'll move to the next step as soon as I hear back from EQ then. Thanks for your help.