theroyfamily

Sorry for the confusion. I really appreciate your help. I've listed all the remaining accounts. Remaining Collections Equifax 100.00 Collection Agency is Works & Lentz Inc. - service date 10/18/2007 - received a letter from CA stating they have discontinued collection efforts and would consult with their client in response to medical DV; waiting on CRA response to follow up letter 200.00 Collection Agency is Central States Recovery - received letter from CA stating they would instruct CRA's to delete account waiting on letters from CRA confirming deletion 200.00 Collection Agency is CAC Financial Corp - the statement they made lists 10/02/2007 as the service date - waiting on CRA response to follow up letter Transunion 561.00 Collection Agency is CAC Financial Corp - date of 1st delinquency is 11/2009 - haven't received any response from CA after sending medical DV. So, I don't know the service date waiting on CRA response to follow up letter Experian 588.00 Collection Agency is Law offices... - waiting on response to LETTER TO CREDIT BUREAU FOLLOW UP TO DISPUTE OR REINSERTION 1648.00 Collection Agency is Law offices... - waiting on response to LETTER TO CREDIT BUREAU FOLLOW UP TO DISPUTE OR REINSERTION 568.00 Collection Agency is Law offices... - waiting on response to LETTER TO CREDIT BUREAU FOLLOW UP TO DISPUTE OR REINSERTION

CAC sent a letter with a copy of the same manufactured statement from last year. The statement features a whited out 381.81 that they replaced with a 200.00 balance. The false statement copy doesn't include a physician's name, place of service (the address on the print out is a p.o. box) service code or description of services/procedures, doesn't include a stub or website to send payment to OC. Just the CA's payment and contact information. How should I proceed? The Remaining Collection Accounts: Equifax 100.00 unpaid medical Verified 200.00 Central State Recovery CA mailed a letter stating they would instruct Transunion, Experian, & Equifax to delete 64.00 CAC Deleted 200.00 CAC Verified Transunion 561.00 CAC Verified Experian 588.00 Law offices ... Updated 1648.00 Law offices ... Updated 568.00 Law offices ... Updated

The last letter I sent was to Experian regarding the reinsertion of 3 previously deleted accounts. I haven't received a response yet. I have my letter prepared for Transunion. I'll be sending it CMRR tomorrow. I included a copy of the green card along w/ your follow up letter to CRA. Still waiting on green card from Central States Recovery. Then I'll proceed w/ Equifax.

I received a letter from Works & Lentz. It contained My name, last four of social, OC Name, Amount, and Patient ID #. No services provided, physician name, and ect. The body of the letter said: Dear My Name, We have received your letter with regard to the above referenced claim. We have discontinued all collection efforts and forwarded your letter to our client for their review. Upon receipt of their response, we will notify you immediately of their position as to how they wish to proceed. Signed CA Followed by the attempt to collect a debt jargon.

Can I proceed with Transunion? From what I understand I need to send a copy of the front and back of the green card mailed CMRR to Transunion along with your letter posted below. When I receive the green card back from Central States Recovery, I should do the same with Equifax, right? Equifax 100.00 Works & Lentz Inc. Card Received 200.00 Central States Recovery Card Not Received 64.00 CAC Card Received 200.00 CAC Card Received Transunion 561.00 CAC Card Received FOLLOW UP LETTER TO CRA SEND CMRR xxxxxx Dear CRA, My name is xxxxx xxxxxx , my SS # is xxx xx xxxx. I am sending this dispute certified mail return receipt # xxxx to make sure you receive it. I have no knowledge or records of account # xxxxx on my report # xxxxx. I have disputed this unknown medical account with the reporting Collection Agent,( copy enclosed with proof of their receipt),as per your instructions in your response of xx/xx/xxxx to my dispute of xx/xx/xxxx and have had no valid response. Please advise me as to the name and address of the health care provider, the name of the patient, and the reported date of service,as any account I might have had at one time would be obsolete. If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. If you are unable to verify and refuse to delete, I will be filing appropriate complaints against you with the FTC for FCRA and FACTA violations,the OCR for HIPAA violations and appropriate State authorities. Please note that as a recipient of private medical data you are also subject to the provisions of subtitle D of the ARRA ,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 the effective enforcement of penalties against you for this breach is under the penalty rules of the HITECH Act as issued 11/30/2009. . I also reserve the right to include your Bureau in any legal remedies I pursue. Very truly yours,

Experian mailed the investigation results showing that all three Paragon Revenue accounts (original CA that sold accounts to current CA) were deleted on June 24, 2011. The words deleted were specifically written next to the CA's name. Is my next step to send the "LETTER TO CREDIT BUREAU FOLLOW UP TO DISPUTE OR REINSERTION" to Experian? Should this be written in blue ink on yellow legal paper like the pre-hippa letters? Thank you for your help. Please, let me know if below is how to correctly fill in the blanks: John Q Public 100 Misery St. Poortown.XX,98765 February 30,2003 Certified mail receipt number ____________ TUEQIPERIAN Credit Bureau 999 Everwrong Blvd. Messup, XX,12345 Dear Sir or Madam; My social security number is ____________ My date of birth is_____________ This is a request as authorized by the FCRA . § 611. Procedure in case of disputed accuracy [15 U.S.C. § 1681i] In my letter dated 05-05-2012, I disputed the following accounts: Law Offices account# 123, Law Offices account# 456, Law Offices account# 789. In your letter dated 06-14-2012, report # 8910 you verified the above referenced accounts that were reinserted after a previous deletion. These erroneous accounts were deleted on 06-24-2011, report# 456. I cut out sections (1) and (2) then pasted the following: In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions. Requirements relating to reinsertion of previously deleted material. Certification of accuracy of information. If any information is deleted from a consumer's file pursuant to subparagraph (A), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Please furnish me with copies of any and all such certification. If any information that has been deleted from a consumer's file pursuant to subparagraph (A) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification,this is a serious violation of the FCRA, and I reserve the right to pursue further action. Additional information. As part of, or in addition to, the notice under clause (ii), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion (I) a statement that the disputed information has been reinserted; (II) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and (III) a notice that the consumer has the right to add a statement to the consumer's file disputing the accuracy or completeness of the disputed information. Please furnish me with the required statements and data © Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph and a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available; Please furnish me with a full description of the procedures used to determine the accuracy of the information. (7) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph (6)((iii) by not later than 15 days after receiving a request from the consumer for that description. In accordance with the above requirements of the FCRA, please furnish me with all requested material within 15 days Sincerely, John Q Public

Experian verified the three accounts that were removed last year. I have the results from last years investigation proving these accounts were deleted. Should I proceed with the hipaa process or mail them last years investigation results? None of the CA's have contacted me about the accounts that remain. Is the next step to send DV letters to the CA's that have a p.o box CM and CMRR to CA's that have street addresses? The Remaining Collection Accounts: Equifax 100.00 unpaid medical Verified 200.00 Central State Recovery Verified 64.00 CAC Updated 200.00 CAC Verified Transunion 561.00 CAC Verified Experian 588.00 Law offices ... Updated 1648.00 Law offices ... Updated 568.00 Law offices ... Updated

Equifax Investigation Results. Still haven't heard from Experian. Equifax 100.00 unpaid medical Verified 200.00 Central State Recovery Verified 251.00 CAC Deleted 64.00 CAC Results didn't mention this account. A full credit report wasn't included. 561.00 CAC Deleted 312.00 CAC Deleted 200.00 CAC Verified Transunion 561.00 CAC Verified 588.00 Law offices ... Deleted 1648.00 Law offices ... Deleted 568.00 Law offices ... Deleted 511.00 Law offices ... Deleted Experian 200.00 Central State Recovery 251.00 CAC 561.00 CAC 312.00 CAC 200.00 CAC 588.00 Law offices ... 1648.00 Law offices ... 568.00 Law offices ... 511.00 Law offices ...

Transunion Investigations Results. Still haven't heard from Equifax or Experian. Equifax 100.00 unpaid medical 200.00 Central State Recovery 251.00 CAC 64.00 CAC 561.00 CAC 312.00 CAC 200.00 CAC Transunion 561.00 CAC Verified 588.00 Law offices ... Deleted 1648.00 Law offices ... Deleted 568.00 Law offices ... Deleted 511.00 Law offices ... Deleted Experian 200.00 Central State Recovery 251.00 CAC 561.00 CAC 312.00 CAC 200.00 CAC 588.00 Law offices ... 1648.00 Law offices ... 568.00 Law offices ... 511.00 Law offices ...

Whychat, I don't know if I should be concerned but I haven't received a reply back from any of the CRA. Equifax arrived on May 11 (free yearly report). Transunion arrived on May 7 (purchased report). Experian arrived on May 8 (free yearly report). I haven't done anything since sending out the pre-hippa letters. Please tell what to do next, if anything. Thanks!

Today I contacted the OC for three of the accounts being held by CAC. I know this is typically a no no but I needed the Hipaa Compliance Officer's name and address. Last year when I asked for validation from the CA on these accounts they contacted the OC who sent legitimate statements for all three accounts. So, I know these accounts are mine and legal. Problem is the representative was nice up until I asked for the compliance officers information. She wouldn't give me the name or address and actually hung up on me. I looked up the OC on the BBB website and found that they have a -C rating all because of billing/collection disputes. My question is should I pay the OC when she already told me they would turn it over to collections. She said they won't deposit the check because I may owe the CA fees. I wanted to pay these accounts with the appropriate insert but know I don't know.

Just to clarify the accounts that were re-posted never required direct contact with the CA because they were deleted by all the CRA's using the pre-hipaa letters. So if I understand correctly, DVing the CA would have been redundant? Anywho, last year is forgotten. I appreciate the help.

WhyChat I've sent the pre hipaa letters out to all of the CRA's. All letters are written on yellow legal paper w/ blue ink sent CM. 3 of the accounts were re-posted after we got them deleted last year but under a different CA. Is it legal for them to do that? Should I have disputed the re-posted accounts differently? Instead of starting the hipaa process over again?

Hi WhyChat, You helped me around this time last year to remove a few medical accounts. Unfortunately, a family emergency occurred that needed my attention and I stopped working on my credit. At the time you helped me greatly and was able to get everything removed from my Transunion account accept for two medical accounts. Experian and Equifax removed about four each but I still had a ways to go with them. As luck would have it, this creditor: 10/2010 511.00 Law Offices purchased the four accounts we got removed from this creditor: 06/2010 588.00 Paragon Revenue Group *deleted* 01/2011 568.00 Paragon Revenue Group *deleted* 06/2010 1648.00 Paragon Revenue Group *deleted* 05/2008 118.00 Paragon Revenue Group *deleted* I'm still eternally grateful for your help last year and would like to continue from were I left off. I haven't purchased my official credit reports yet. I actually tried to get a mortgage and discovered my report had been demaged because the old accounts were renewed due to the deal the two agencies struck. So, my husband and I didn't qualify. They're wanting use to write letters of explanation for the underwriter which is a whole different story. Here are the negative medical accounts on my reports: Equifax 100.00 unpaid medical 200.00 Central State Recovery 251.00 CAC 64.00 CAC 561.00 CAC 312.00 CAC 200.00 CAC Transunion 561.00 CAC 588.00 Law offices ... 1648.00 Law offices ... 568.00 Law offices ... 511.00 Law offices ... Experian 200.00 Central State Recovery 251.00 CAC 561.00 CAC 312.00 CAC 200.00 CAC 588.00 Law offices ... 1648.00 Law offices ... 568.00 Law offices ... 511.00 Law offices ... I know I'll need to purchase my reports again. Old addresses were already taken care of and I opted out which is why I assume they sold the accounts to an existing creditor. Hopefully you can help me again. I'll be waiting for your direction. Thanks

I haven't done anything since sending the initial disputes. Experian and Transunion have already completed their investigations. I am just waiting on Equifax to respond. I haven't called or spoken to anyone. I figured I would keep you informed as well as anyone who may be following my thread. I know I sound like a broken record but Thank You, Thank You, Thank You! When we applied for a home loan the mortgage lender kept saying you know your husband can be the only one on the loan right, you don't have to be on it at all. Well, forget her because my credit will be perfect by the time I'm done thanks to you.