Viper786

Leave it alone for a while-- 3-4 Months unless you MUST get it off your reports for a refi or new mortgage. If you MUST get it off your reports, you can pay the OC with the HIPAA letter insert "a" http://www.whychat.5u.com/hipltr.html I don't have to have it off anytime soon. Just curious, what will leaving it alone for 3-4 months do?

The next step is the medical DV( 1 for Eq and 1 for Ex in the same envelope) http://www.whychat.5...cavalhipaa.html followed by the follow up letter to the 2 CRAs http://www.whychat.5...aa.html#DISPUTE When I send out the follow up letter to the 2 CRAs, do I do it in the same style as the first letter? (Watermark background with font color as same color family as watermark?) NO. only the INITIAL letter is done that way, all further correspondence must be properly typed and "courtroom ready" Ok, thanks. Typing the letters now and have one final question before I mail off the follow up letter to the 2 CRAs. in the 2nd link above, it says: "I have disputed this unknown medical account with the reporting Collection Agent,( copy enclosed with proof of their receipt)," Now do I include just that green CMRR form that i got in the mail or do I include the letter along with the green receipt? Also do I write "Collection Agent" or the name of the collection agency? You include a COPY of the letter and a COPY of the SIGNED green form and you write the NAME of the CA AFTER "Collection Agent" Experian and Equifax both came back verified. What is the next step?

The next step is the medical DV( 1 for Eq and 1 for Ex in the same envelope) http://www.whychat.5...cavalhipaa.html followed by the follow up letter to the 2 CRAs http://www.whychat.5...aa.html#DISPUTE When I send out the follow up letter to the 2 CRAs, do I do it in the same style as the first letter? (Watermark background with font color as same color family as watermark?) NO. only the INITIAL letter is done that way, all further correspondence must be properly typed and "courtroom ready" Ok, thanks. Typing the letters now and have one final question before I mail off the follow up letter to the 2 CRAs. in the 2nd link above, it says: "I have disputed this unknown medical account with the reporting Collection Agent,( copy enclosed with proof of their receipt)," Now do I include just that green CMRR form that i got in the mail or do I include the letter along with the green receipt? Also do I write "Collection Agent" or the name of the collection agency?

The next step is the medical DV( 1 for Eq and 1 for Ex in the same envelope) http://www.whychat.5...cavalhipaa.html followed by the follow up letter to the 2 CRAs http://www.whychat.5...aa.html#DISPUTE When I send out the follow up letter to the 2 CRAs, do I do it in the same style as the first letter? (Watermark background with font color as same color family as watermark?)

What is my next step? TransUnion deleted Experian confirmed Equifax confirmed. Just for some more info, DOFD is 10/08 and the amount is $123. What do I do next?

Equifax verified it, still waiting on Experian. What us the next step?

Is my letter to Equifax not delivered? It says Expected Delivery Date: March 3, 2012 Class: First-Class Mail® Service(s): Certified Mail™ Status: Arrival at Unit Your item arrived at 7:53 am on March 02, 2012 in ATLANTA, GA 30304. The Postal Service expects to deliver the item on Saturday, March 3, 2012. Information, if available, is updated periodically throughout the day. Please check again later. Detailed Results: Arrival at Unit, March 02, 2012, 7:53 am, ATLANTA, GA 30304 Dispatched to Sort Facility, February 29, 2012, 5:51 pm, PLYMOUTH, MI 48170 Acceptance, February 29, 2012, 1:43 pm, PLYMOUTH, MI 48170 Also, a small update. Trans Union deleted the collection! Still haven't heard anything from Experian.

I just got an email from equifax: Your most recent Equifax reinvestigation has been started. This process can take up to 30 days to complete. For faster delivery of your results, you can now receive the results of your investigation online. Edited Any reinvestigation that you have created within the timeframe of this request will be available for your review online upon completion. We appreciate your help as we work together to protect our environment by going green and increasing your account security with electronic delivery. To allow us to protect your privacy and deliver prompt service, please visit our website. If there are items you believe to be incorrect, you may be able to initiate an investigation request via the Internet 24 hours a day, 7 days a week at: Edited Using the Internet to initiate an online investigation request will expedite the resolution of your concerns. Unsubscribe: If you do not want to receive these emails, please click on this hyperlink to unsubscribe: Edited Thank you for giving us the opportunity to serve you, Equifax Information Services LLC I have no idea what they mean by reinvestigation. Are they referring to the fact that I disputed this collection about a year ago and they are just continuing that? Is this normal? I'm assuming I shouldn't click that link?

I just tracked my letters, two of them will be delivered on Monday, but for TransUnion it says: Service(s): Certified Mail™ Status: Notice Left (No Authorized Recipient Available) We attempted to deliver your item at 10:00 am on March 03, 2012 in CRUM LYNNE, PA 19022 and a notice was left because an authorized recipient was not available. You may arrange redelivery by visitingwww.usps.com/redelivery or calling 800-ASK-USPS, or may pick up the item at the Post Office indicated on the notice. If this item is unclaimed after 15 days then it will be returned to the sender. Information, if available, is updated periodically throughout the day. Please check again later. Anyone know if TransUnion will make any attempt to get this letter or will it be sent back to me?

If you are working from REAL credit reports, the addresses will be on them. If you are working from 3rd party "monitoring service" credit reports without individual report ID#s, then you are not doing the disputes correctly. So after going through my real credit reports (pulled from annualcreditreport.com) I found the address for TransUnion and Experian. Equifax only has an address listed for ordering a credit score by mail or to place a security freeze by mail. Should I use any of those addresses or go by the one that they list on their website for mail disputes (all three addresses are different). This is the address they have on their website: http://bit.ly/xTQAg9

Thanks for all the help so far. The letters are all typed and printed out, now I just need to take them to the post office. Can someone please tell me where I can find the addresses for TransUnion, Equifax and Experian? Thanks!

Thanks. Now one final question before I print these out and send them out. Where do I get the certified mail number? Do I just go to my local post office and pick up the certified mail forms from there?

Hopefully third time's a charm?? lol

My handwriting is horrible, so I would prefer to do it on the computer. How about this sample? Would something like this work? If not, I suppose I can find someone to handwrite it for me:

Just got an email from TransUnion that the other name has been removed. How does this look for a letter as far as colors go??