credithelp1964

Copy of lease?? OK, you screwed up the HIPAA letter program and somehow got involved with the ID theft/fraud Dept. of the hospital. As I understand it, the account is ONLY reporting to 1 CRA?? Send them proof of your identity, send them a copy of the credit report ( with all other accounts masked) Tell them that you are not claiming fraud, but a violation of your medical privacy under HIPAA and the Fair Credit Reporting Act Tell them that they are in violation of the FTC for directly reporting a medical account to the CRA. Medical Information Protections: Any medical information in a consumer report must be coded to obscure the specific healthcare provider and the nature of medical services provided. One other question. Can they continue to update the account after the SOL? Yes, the "SOL" is the time limit they have for SUING you, they can report for up to 7 years and continue collection activities forever unless you properly dispute and notify them . Yes, they asked for a copy of a lease.

Copy of lease?? OK, you screwed up the HIPAA letter program and somehow got involved with the ID theft/fraud Dept. of the hospital. As I understand it, the account is ONLY reporting to 1 CRA?? Send them proof of your identity, send them a copy of the credit report ( with all other accounts masked) Tell them that you are not claiming fraud, but a violation of your medical privacy under HIPAA and the Fair Credit Reporting Act Tell them that they are in violation of the FTC for directly reporting a medical account to the CRA. Medical Information Protections: Any medical information in a consumer report must be coded to obscure the specific healthcare provider and the nature of medical services provided. One other question. Can they continue to update the account after the SOL?

Adventist Florida Hospitsl is the one reporting. It was being reported by a collection agency but that one was removed then the hospital started reporting last year. All of the old addresses have been deleted. A health care provider can NOT report directly to your credit reports. Check your report more carefully, it MUST be reported by a CA Adventist Hospital is reporting from a different office and not directly from the hospital. The actual name of the hopital is Florida Hospital. This is directly from my Equifax report. They have change the address to the actual hospital address after updating again. ADVENTIST FLORIDA HOSPITAL 601 EAST ROLLINS STREET ORLANDO, FL-32803 (404) 303-6611 Account Number: AHS SUNBE-1579XXXX Status:120+ DAYS PAST DUE Account Owner: High Credit: $344 Type of Account : Open Credit Limit: Term Duration: Terms Frequency: Date Opened: 02/2006 Balance: $344 Date Reported: 03/2012 Amount Past Due: $344 Date of Last Payment: Actual Payment Amount: Scheduled Payment Amount: Date of Last Activity: N/A Date Major Delinquency First Reported: Months Reviewed: 2 Creditor Classification: Medical/Health Care Activity Designator: N/A Charge Off Amount: Deferred Payment Start Date: Balloon Payment Amount: Balloon Payment Date: Date Closed: Type of Loan: Medical Debt Date of First Delinquency: 11/2006 Comments: Medical, Consumer disputes after resolution ??? Is this reporting the same way on ALL your reports?? Call the CRA and ask them to abide by the rules that medical accounts can NOT identify the namne of the Health Care Provider. This is only reporting on Equifax The FCRA prohibits ANY health care facility from directly reporting to a CRA. Your report should ONLY state the name of the facility to YOU-- everyone else must only see "medical account". Look on your Eq report and look for the address for that account, if it is the Hospital address, then file a complaint with the FTC against Eq. for reporting the name of the Health Care Provider in contravention of the FCRA: http://www.whychat.5u.com/hipaaftccomp.html Send a copy to Eq. and MAKE SURE you include this: Thank you Just got a reply from the hospital legal department requesting me to provide them with information. They are requesting ID, Copy of lease, copy of bills or police report for fraud. Which I do have a fraud report. How should I reply to their letter? I have 10 days.

Adventist Florida Hospitsl is the one reporting. It was being reported by a collection agency but that one was removed then the hospital started reporting last year. All of the old addresses have been deleted. A health care provider can NOT report directly to your credit reports. Check your report more carefully, it MUST be reported by a CA Adventist Hospital is reporting from a different office and not directly from the hospital. The actual name of the hopital is Florida Hospital. This is directly from my Equifax report. They have change the address to the actual hospital address after updating again. ADVENTIST FLORIDA HOSPITAL 601 EAST ROLLINS STREET ORLANDO, FL-32803 (404) 303-6611 Account Number: AHS SUNBE-1579XXXX Status:120+ DAYS PAST DUE Account Owner: High Credit: $344 Type of Account : Open Credit Limit: Term Duration: Terms Frequency: Date Opened: 02/2006 Balance: $344 Date Reported: 03/2012 Amount Past Due: $344 Date of Last Payment: Actual Payment Amount: Scheduled Payment Amount: Date of Last Activity: N/A Date Major Delinquency First Reported: Months Reviewed: 2 Creditor Classification: Medical/Health Care Activity Designator: N/A Charge Off Amount: Deferred Payment Start Date: Balloon Payment Amount: Balloon Payment Date: Date Closed: Type of Loan: Medical Debt Date of First Delinquency: 11/2006 Comments: Medical, Consumer disputes after resolution ??? Is this reporting the same way on ALL your reports?? Call the CRA and ask them to abide by the rules that medical accounts can NOT identify the namne of the Health Care Provider. This is only reporting on Equifax The FCRA prohibits ANY health care facility from directly reporting to a CRA. Your report should ONLY state the name of the facility to YOU-- everyone else must only see "medical account". Look on your Eq report and look for the address for that account, if it is the Hospital address, then file a complaint with the FTC against Eq. for reporting the name of the Health Care Provider in contravention of the FCRA: http://www.whychat.5u.com/hipaaftccomp.html Send a copy to Eq. and MAKE SURE you include this: Thank you

Adventist Florida Hospitsl is the one reporting. It was being reported by a collection agency but that one was removed then the hospital started reporting last year. All of the old addresses have been deleted. A health care provider can NOT report directly to your credit reports. Check your report more carefully, it MUST be reported by a CA Adventist Hospital is reporting from a different office and not directly from the hospital. The actual name of the hopital is Florida Hospital. This is directly from my Equifax report. They have change the address to the actual hospital address after updating again. ADVENTIST FLORIDA HOSPITAL 601 EAST ROLLINS STREET ORLANDO, FL-32803 (404) 303-6611 Account Number: AHS SUNBE-1579XXXX Status:120+ DAYS PAST DUE Account Owner: High Credit: $344 Type of Account : Open Credit Limit: Term Duration: Terms Frequency: Date Opened: 02/2006 Balance: $344 Date Reported: 03/2012 Amount Past Due: $344 Date of Last Payment: Actual Payment Amount: Scheduled Payment Amount: Date of Last Activity: N/A Date Major Delinquency First Reported: Months Reviewed: 2 Creditor Classification: Medical/Health Care Activity Designator: N/A Charge Off Amount: Deferred Payment Start Date: Balloon Payment Amount: Balloon Payment Date: Date Closed: Type of Loan: Medical Debt Date of First Delinquency: 11/2006 Comments: Medical, Consumer disputes after resolution ??? Is this reporting the same way on ALL your reports?? Call the CRA and ask them to abide by the rules that medical accounts can NOT identify the namne of the Health Care Provider. This is only reporting on Equifax

Adventist Florida Hospitsl is the one reporting. It was being reported by a collection agency but that one was removed then the hospital started reporting last year. All of the old addresses have been deleted. A health care provider can NOT report directly to your credit reports. Check your report more carefully, it MUST be reported by a CA Adventist Hospital is reporting from a different office and not directly from the hospital. The actual name of the hopital is Florida Hospital. This is directly from my Equifax report. They have change the address to the actual hospital address after updating again. ADVENTIST FLORIDA HOSPITAL 601 EAST ROLLINS STREET ORLANDO, FL-32803 (404) 303-6611 Account Number: AHS SUNBE-1579XXXX Status:120+ DAYS PAST DUE Account Owner: High Credit: $344 Type of Account : Open Credit Limit: Term Duration: Terms Frequency: Date Opened: 02/2006 Balance: $344 Date Reported: 03/2012 Amount Past Due: $344 Date of Last Payment: Actual Payment Amount: Scheduled Payment Amount: Date of Last Activity: N/A Date Major Delinquency First Reported: Months Reviewed: 2 Creditor Classification: Medical/Health Care Activity Designator: N/A Charge Off Amount: Deferred Payment Start Date: Balloon Payment Amount: Balloon Payment Date: Date Closed: Type of Loan: Medical Debt Date of First Delinquency: 11/2006 Comments: Medical, Consumer disputes after resolution

Adventist Florida Hospitsl is the one reporting. It was being reported by a collection agency but that one was removed then the hospital started reporting last year. All of the old addresses have been deleted.

I do not believe you have followed my "HIPAA instructions" I do not see any post from you prior to this one Did you opt out?? http://www.whychat.5u.com/OPTOUTINST.HTML Did you get old addresses deleted if possible?? Did you send each CRA where this account is reporting this?? http://www.whychat.5u.com/hipaadisp.html There is nothing in the HIPAA letter program that requires you to "validate" with the OC. The medical DV should be sent to the reporting CA IF your initial dispute letter does not get you a deletion. http://www.whychat.5u.com/ltrcavalhipaa.html Here is a copy of the letter that was sent and they continue to update and verify the account Adventist Florida Hospital 900 Winderley Pl Ste 2100 Maitland, FL 32751-4191 December 3, 2011 CMRR# 7011-1570-0001-5653-XXXX Re: Acct # To Whom It May Concern: This letter is being sent to you in response to your recent fraudulent verification of an unknown medical account on my Equifax report. This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act (FDCPA), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Please attach copies of: The agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES; and SEC. 13407(1) BREACH OF SECURITY.—The term ‘‘breach of security’’ means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the HITECH Act as issued 11/30/2009 and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective July 1, 2010. . Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of; or verifying of this account on my credit reports. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns. I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the BBB and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion and illegal collection activities on any account that may be time-barred as well as in violation of State of Florida medical privacy rules. I also hereby reserve my right to take private civil action against you to recover damages. Sincerely,

Please help. I have follow Whychat HIPPA instruction on disputing medical collection with no success. I have one collection that is currently outside of the SOL. The OC would not send me any validation of the account after I disputed with CRA. I sent a copy of the return receipt with my second letter to the CRA and advised them the OC did not respond to my request. The CRA said he validated the account as mine as well as update the account on my credit report. I need help on what steps should I take next.