Mixter

To clarify in order from where the thread in the link left off... -I payed the OC with a check from a lawyer's trust account during the closing on my home purchase. -I sent the letter from Why Chat's process with insert A. -The OC acknowledged that I paid them and wrote a letter to me stating they would inform the CRA's that my medical debt had been paid. -I sent a copy of that letter and all other proper correspondence to the 3 CRA's requesting a deletion. -Only TU deleted. EX and EQ status remain as "paid" I now need to know what the next step is, if that is filing a complaint with the FTC and HIPPA. Thank you.

Thank you. It was a long thread and my process was all summed up near the end of the thread. http://creditboards.com/forums/index.php?showtopic=475330&hl=

I have followed WHYCHAT's process for a long time and am now close to the end of it. I finally received all 3 letters back from the 3 CRA's after sending the "FOLLOW UP TO "HIPAA" LETTER TO ORIGINAL CREDITOR HEALTH CARE PROVIDER letters and Letter To Cra After HIPAA Letter TU- status- DELETED EX-status- PAID EQ- status-PAID What is the next step...? Filing a complaint with the FTC and HIPPA? Also how do I take a tax reduction from medical payments? Thank you.

When I send the letter to the CRA after the OC HIPPA Letter does it have to be hand written in a different color pen on yellow pad paper or can I just type it? anyone please?

When I send the letter to the CRA after the OC HIPPA Letter does it have to been hand written in a different color pen on yellow pad paper or can I just type it?

Good evening and hello again Whychat. I had to put this whole process on halt but am back to continue with a very important situation that is going on and need your expertise. At this point in your process I am supposed to write a bank check to the OC with the letter provided to pay the debt. But here is the thing that I need your advice on........ I just bought a home and closed on it with no problems. The mortgage company I went with required that at the closing I paid the full amount of medical debt in the amount of $554.62 in order for me to qualify for their mortgage. So within the closing costs and closing papers it states that I paid the $554.62 for medical debt. My lawyer for the closing is now supposed to cut a check in the full of $554.62 to whom I tell him to pay off the collection account. Now here is the part I need your advice on........ Do I tell him to pay the amount to the OC as stated in your process? Or should he pay the CA? Do you think he will properly write a "pay for delete" letter? Even though a lawyer is taking care of the letter and check for me, I want to ensure that it gets paid properly and that I can make sure I will not be contacted in the future by a CA for payment. I need to give him an answer ASAP so that I can get this taken care of. Thanks again friend for you help!

No, because you have no proof that the reporting CA is in current communication with the OC. Is the CA reporting the balance owed as shown on your EOMB ( the deductible )?? Or are they showing the original amount. What was the date of service?? Is it still reporting on ALL 3 CRA reports?? Ok....I think I just figured something "fishy" out. Upon taking a hard look at the letter that the CA sent me when I wrote the letter per your instructions to them in the dispute process, it seems they just copied what was in my credit reports. It's not a formal bill or anything. Anyone could have just typed it. It states my name ss#, original creditor, original account #, account charge off date, current balance, account status.......... It looks like exactly what is in my credit report. The only thing that the CA sent along with the letter that is of any substance is a piece of paper that states my name, address, hospital, description of what was done, patient control number,the total charges, the payer (insurance co.), and the amount due. Then says due from patient $0.00. (there is more to it than that but its not a EOMB. It says TYPE OF BILL 131. As far as answering your questions Why Chat, "Is the CA reporting the balance owed as shown on your EOMB ( the deductible )?? Or are they showing the original amount." ----Yes, the CA is showing the same balance amount owed as on my EOMB, but NOT under the deductible category....... On my EOMB there are no balances under the deductible amount. They are under the YOUR COINS/COPAY AMT and SUBSCRIBER RESPONSIBILITY .....BUT like I just stated I think the CA just copied from what info was available in my credit reports. ----When you say "or are they showing the original amount" you mean the actual full billed amount??? If you do mean that then NO they are not showing any other amount besides the same subscriber responsibility category amount on my EOMB. "What was the date of service??" Collection 1 - 6/21/2007 Collection 2 - 7/1/2007 Collection 3 - 6/25/2008 The dates that the CA provided do match up to the dates on my EOMB Is it still reporting on ALL 3 CRA reports?? No. TransUnion is the ONLY CRA that deleted all 3 collections right after the first letter in the "Why Chat" dispute process the 3 collections still remain on Equifax and Experian OK, You opted out, didn't need to delete old addresses because you hadn't moved, sent the initial dispute letter http://www.whychat.5.../hipaadisp.html to each CRA, TU deleted, Ex and Eq responded "remains". You sent the medical DV to the CA?? http://www.whychat.5...cavalhipaa.html You sent the follow up letter to Eq & Ex ?? http://www.whychat.5...aa.html#DISPUTE The letter from the CA was in response to the medical DV?? Yes. I did that exactly. I did everything in your process to a "T". I feel the CRA's and CA have NO IDEA how to prove to me what I owe is what I owe. If anything I've proved to myself that I could possibly owe the debt since I personally called and got my EOMB's and actually saw and said ... "Oh.... so that's where these 3 medical collection balances originated from". Do I think that these balances were paid? No. I personally don't. But, I asked my parents, who I was a dependent upon their health insurance at the time, and they are 99% sure the collection balances were not paid; but they still do not know 100% because it was awhile ago. Even though the amount balance for each collection and dates are consistent between the CRA's, CA, and on my EOMB, I feel that it doesn't mean anything because the CA could just pull those balances and account numbers from any of my CRA's. Right? By the way.....what type of paperwork should I be looking for or receiving, for that matter, that is considered the "proof" that I would have payed the OC, or even......what would be proof that I did not pay!?! I understand that I need to see some current relationship between the OC and the CA, but I am not seeing any of that. If they had a current relationship then the CRA, OC, and CA would have no problem showing me and saying "here are the bills you never paid".......am I correct? ----The OC won't give me any information because they sold the debt. ----The Health Insurance Co. at the time has no idea, even after sending me my EOMB. ----The CA sends me a junk 131 Bill or whatever it's called that doesn't even show my medical collections that I owe. Not sure what to do from this point..... And as always, thank you for helping me and everyone on this forum Why Chat. Well the simplest safest, ( and most responsible) thing to do would be to PAY the OC with the HIPAA letter insert "a" You are going to have to send them ONE BANK MONEY ORDER( with the endorsement clearly printed on the back) for the (3?) deductibles showing on your insurance EOMBs, you are going to have to send them copies of those EOMBs and you are going to have to name the CA who is reporting . http://www.whychat.5u.com/hipltr.html I agree that they should be paid and taken care of the responsible way. And I will pay. But, can you please tell me how I would know if there was a current relationship between the OC and CA? Also, why can't anyone send some form of proof if I did not pay?

No, because you have no proof that the reporting CA is in current communication with the OC. Is the CA reporting the balance owed as shown on your EOMB ( the deductible )?? Or are they showing the original amount. What was the date of service?? Is it still reporting on ALL 3 CRA reports?? Ok....I think I just figured something "fishy" out. Upon taking a hard look at the letter that the CA sent me when I wrote the letter per your instructions to them in the dispute process, it seems they just copied what was in my credit reports. It's not a formal bill or anything. Anyone could have just typed it. It states my name ss#, original creditor, original account #, account charge off date, current balance, account status.......... It looks like exactly what is in my credit report. The only thing that the CA sent along with the letter that is of any substance is a piece of paper that states my name, address, hospital, description of what was done, patient control number,the total charges, the payer (insurance co.), and the amount due. Then says due from patient $0.00. (there is more to it than that but its not a EOMB. It says TYPE OF BILL 131. As far as answering your questions Why Chat, "Is the CA reporting the balance owed as shown on your EOMB ( the deductible )?? Or are they showing the original amount." ----Yes, the CA is showing the same balance amount owed as on my EOMB, but NOT under the deductible category....... On my EOMB there are no balances under the deductible amount. They are under the YOUR COINS/COPAY AMT and SUBSCRIBER RESPONSIBILITY .....BUT like I just stated I think the CA just copied from what info was available in my credit reports. ----When you say "or are they showing the original amount" you mean the actual full billed amount??? If you do mean that then NO they are not showing any other amount besides the same subscriber responsibility category amount on my EOMB. "What was the date of service??" Collection 1 - 6/21/2007 Collection 2 - 7/1/2007 Collection 3 - 6/25/2008 The dates that the CA provided do match up to the dates on my EOMB Is it still reporting on ALL 3 CRA reports?? No. TransUnion is the ONLY CRA that deleted all 3 collections right after the first letter in the "Why Chat" dispute process the 3 collections still remain on Equifax and Experian OK, You opted out, didn't need to delete old addresses because you hadn't moved, sent the initial dispute letter http://www.whychat.5.../hipaadisp.html to each CRA, TU deleted, Ex and Eq responded "remains". You sent the medical DV to the CA?? http://www.whychat.5...cavalhipaa.html You sent the follow up letter to Eq & Ex ?? http://www.whychat.5...aa.html#DISPUTE The letter from the CA was in response to the medical DV?? Yes. I did that exactly. I did everything in your process to a "T". I feel the CRA's and CA have NO IDEA how to prove to me what I owe is what I owe. If anything I've proved to myself that I could possibly owe the debt since I personally called and got my EOMB's and actually saw and said ... "Oh.... so that's where these 3 medical collection balances originated from". Do I think that these balances were paid? No. I personally don't. But, I asked my parents, who I was a dependent upon their health insurance at the time, and they are 99% sure the collection balances were not paid; but they still do not know 100% because it was awhile ago. Even though the amount balance for each collection and dates are consistent between the CRA's, CA, and on my EOMB, I feel that it doesn't mean anything because the CA could just pull those balances and account numbers from any of my CRA's. Right? By the way.....what type of paperwork should I be looking for or receiving, for that matter, that is considered the "proof" that I would have payed the OC, or even......what would be proof that I did not pay!?! I understand that I need to see some current relationship between the OC and the CA, but I am not seeing any of that. If they had a current relationship then the CRA, OC, and CA would have no problem showing me and saying "here are the bills you never paid".......am I correct? ----The OC won't give me any information because they sold the debt. ----The Health Insurance Co. at the time has no idea, even after sending me my EOMB. ----The CA sends me a junk 131 Bill or whatever it's called that doesn't even show my medical collections that I owe. Not sure what to do from this point..... And as always, thank you for helping me and everyone on this forum Why Chat.

No, because you have no proof that the reporting CA is in current communication with the OC. Is the CA reporting the balance owed as shown on your EOMB ( the deductible )?? Or are they showing the original amount. What was the date of service?? Is it still reporting on ALL 3 CRA reports?? Ok....I think I just figured something "fishy" out. Upon taking a hard look at the letter that the CA sent me when I wrote the letter per your instructions to them in the dispute process, it seems they just copied what was in my credit reports. It's not a formal bill or anything. Anyone could have just typed it. It states my name ss#, original creditor, original account #, account charge off date, current balance, account status.......... It looks like exactly what is in my credit report. The only thing that the CA sent along with the letter that is of any substance is a piece of paper that states my name, address, hospital, description of what was done, patient control number,the total charges, the payer (insurance co.), and the amount due. Then says due from patient $0.00. (there is more to it than that but its not a EOMB. It says TYPE OF BILL 131. As far as answering your questions Why Chat, "Is the CA reporting the balance owed as shown on your EOMB ( the deductible )?? Or are they showing the original amount." ----Yes, the CA is showing the same balance amount owed as on my EOMB, but NOT under the deductible category....... On my EOMB there are no balances under the deductible amount. They are under the YOUR COINS/COPAY AMT and SUBSCRIBER RESPONSIBILITY .....BUT like I just stated I think the CA just copied from what info was available in my credit reports. ----When you say "or are they showing the original amount" you mean the actual full billed amount??? If you do mean that then NO they are not showing any other amount besides the same subscriber responsibility category amount on my EOMB. "What was the date of service??" Collection 1 - 6/21/2007 Collection 2 - 7/1/2007 Collection 3 - 6/25/2008 The dates that the CA provided do match up to the dates on my EOMB Is it still reporting on ALL 3 CRA reports?? No. TransUnion is the ONLY CRA that deleted all 3 collections right after the first letter in the "Why Chat" dispute process the 3 collections still remain on Equifax and Experian

no problem

I finally received my EOMB from my actual Health Insurance Company at the time of my 3 Medical Collections. I reviewed them, and the dates and the amounts match up to my credit report and the papers that the CA sent. I personally believe that I do owe these amounts. They seem to be CO-pays. The only problem is that neither my parents nor I have any proof that these co-pays were paid. My parents said that they do not remember paying the co-pays....hence, this further provides more evidence that the medical collections most likely DO belong to me. This is because I was under my parents health insurance at the time and if they did not pay then no one payed the OC. So..... If I don't have proof that I payed and if neither the OC, CA, CRA, and or ANYONE can not prove that I did or did not pay, then what do I do next? Do I pay the OC (insert A) what I owe for all 3?

Ok. I now understand that the EOMB is from my insurance company and that CA's are always full of BS!!! I will send that letter ASAP and post back results. Thanks again.

First let me say THANK YOU..... I greatly appreciate your patience and any time spent on my "case". You truly are the kindest person I have ever met to help all of these people in need. You should be named CNN's Hero of the Year! In response to your reply... I followed your steps correctly. I sent the medical DV to the reporting CA that was stated on my Credit Report as per your instructions. The name of that CA on my report is Square Two Financial HealthCare Funding Solutions. NEXT TO THAT on my report it says ORIGINAL CREDITOR (and states my hospital name). So I sent my medical DV to SQUARE TWO FINANCIAL because that is who my credit report says is the CA. When I received letters back from Square Two Financial they were stating they were NOT the CA and wrote this..... "We are a purchaser of charged off receivables. We do not engage in any direct collection activity. Accounts are placed for collection with third party law firms and collection agencies." They sent me my EOMB and a copy of the collections account on my Credit Report. Apparently the the CA they use is AFSTRA but that is NOT stated on my Credit Report. This is why I did not know whether to RE-SEND my medical DV to AFSTRA, (apparently the CA), since Square Two Financial said we are not the CA. Also, on each one of my 3 EOMB it states "amount due from patient $0.00" I do not owe them anything according to the EOMB. Do you think there is some way my health insurance company at the time did not pay for everything and I missed the bills somehow and this is why now they are stuck on my CR? Other than that I will follow your instructions to send that letter to the OC. I will post my reply when I receive information from them. Thank you many many times over Why Chat.

I received both green cards back from Experian and Equifax I checked both credit reports Experian states NO STATUS, CUSTOMER DISPUTE Equifax states CUSTOMER DISPUTE What is the next step from here? Wait until you receive a response from Ex and Eq **UPDATE** 1/4/12 Received letter from Experian They are still verifying. They are saying they have already investigated this information and the credit grantor has verified its accuracy. They want me to contact the credit grantor who verified the information. What do I do next? Did you send the medicsl DV to the reporting CA?? http://whychat.5u.co...cavalhipaa.html Did you send the follow up dispute to the CRAs? http://whychat.5u.co...aa.html#DISPUTE Yes. I have followed every step correctly. I sent the medical DV to the reporting CA that is on my credit report, BUT when I received a letter back from the reporting CA on my credit report they said they are now just the new creditor and they use a CA to collect the debt. SO.... do I have to find out who their CA is and send that letter again or does it not matter? I also did send the follow up dispute to the CRAs. I have received a letter from Experian saying they are verifying the information and want me to contact my OC. Im still waiting for a letter from Equifax. The only information I have from a CA is that over a year and a half ago (before I got involved with this forum) I received a copy of my Explanation of Benefits from the CA. Does this mean everything is truly verified? *

I received both green cards back from Experian and Equifax I checked both credit reports Experian states NO STATUS, CUSTOMER DISPUTE Equifax states CUSTOMER DISPUTE What is the next step from here? Wait until you receive a response from Ex and Eq **UPDATE** 1/4/12 Received letter from Experian They are still verifying. They are saying they have already investigated this information and the credit grantor has verified its accuracy. They want me to contact the credit grantor who verified the information. What do I do next? Did you send the medicsl DV to the reporting CA?? http://whychat.5u.co...cavalhipaa.html Did you send the follow up dispute to the CRAs? http://whychat.5u.co...aa.html#DISPUTE Yes. I have followed every step correctly. I sent the medical DV to the reporting CA that is on my credit report, BUT when I received a letter back from the reporting CA on my credit report they said they are now just the new creditor and they use a CA to collect the debt. SO.... do I have to find out who their CA is and send that letter again or does it not matter? I also did send the follow up dispute to the CRAs. I have received a letter from Experian saying they are verifying the information and want me to contact my OC. Im still waiting for a letter from Equifax. The only information I have from a CA is that over a year and a half ago (before I got involved with this forum) I received a copy of my Explanation of Benefits from the CA. Does this mean everything is truly verified?