dawnterese

On my latest credit report, a new collection account suddenly showed up that was not there previously. Apparently, it was from an old Direct TV account (first delinquency 1/2007). I disputed but the CA verified. As it is only $127 and I am hoping to apply for a mortgage shortly, what would be my best course of action to get this removed ASAP? Should I try a PFD, and if so, should I do that with Direct TV or the CA? Or should some sort of DV letter be sent? I have never been contacted directly by this CA.

Send the reporting CA this: You will have to send them 2 dispute letters if one of the accounts is being reported as "paid"( in the same envelope) http://www.whychat.5...cavalhipaa.html http://www.whychat.5... hipaa .html#PAID and then send a follow up dispute http://www.whychat.5... aa .html#DISPUTE I already sent the CA this http://www.whychat.5...cavalhipaa.html for the ambulance bill and received a printout back from them with the date of service, diagnosis, amount, etc. Should I send that same letter to them again and put it in the same envelope with the letter I am supposed to send for the paid collection? With the follow up dispute, I had already sent this to Equifax for the ambulance bill. Should I then send this letter again relating to the ambulance bill or only for the new paid medical collection I will be disputing? And if for both, should I do two separate letters to Equifax or include them both on the same letter?

once you get the green card back you could also file a complaint with the CFPB . Well, Capital One responded with a form letter that their information is correct and I own them $553. I filed a complaint with the CFPB about two weeks ago after receiving my green card back. How long does it normally take for something to happen with a CFPB complaint? Also, is there anything else I can do at this point, maybe writing to some CEO or Vice President or something at Capital One, for instance? I am sooo frustrated, because they refuse to even change the date they are reporting which is a YEAR off and would have been coming off my report this December. Would the CRAs maybe do something if I sent the proof of payment to them?

Did you get a response from your follow up dispute to Equifax?? Not yet. Do I wait for that before doing anything else? Yes, you need to wait as they may delete. Well, I still have not received an official response from Equifax. However, a few days after getting my green card back, I received a notice from all three credit bureaus that a 90 day fraud alert was being placed on my credit report files. Then, Equifax sent me an updated credit report showing the ambulance bill still on there. I suppose the fraud alert was their response? Also, the updated report now shows another collection, this one a paid collection, from the same collection agency, also from a few years ago, and this one was not on any of the reports before. Is there anything further I can do at this point about the ambulance collection? And should I dispute the new collection account that showed up with Equifax now or wait until the other collection is resolved?

Also, is there something I can do because they released my son's diagnosis to the CA?

Did you get a response from your follow up dispute to Equifax?? http://www.whychat.5... aa .html#DISPUTE Not yet. Do I wait for that before doing anything else?

Send the reporting CA this: http://www.whychat.5...cavalhipaa.html And then re-dispute to Eq. with this: http://www.whychat.5... aa .html#DISPUTE I sent the letter to the CA then redisputed with the other letter after receiving the green card back. Today, I received a response from the CA stating, "Pursuant to your request, please find enclosed the verification of the debt from the above named creditor." And they attached a a form with the date of service, the provider, the amount owed ... and the diagnosis. Isn't that privileged information? Also, the form has my son's social security number on it, not mine. Where do I go from here?

once you get the green card back you could also file a complaint with the CFPB. http://www.consumerf....gov/complaint/ Thanks...and I will.

Ack! I should have specified. I have been reading your information for the past couple of months. I have already opted out. I attempted to delete the address (yes, I had moved since the date of the ambulance service), but they would not remove it. I did send the CRA (it's only reporting on Equifax) the HIPAA dispute letter, but they responded that the CA had verified the information. How can I establish if there is a current relationship between the ambulance and the reporting CA? And what is my next step from here?

There is a medical collection appearing on my credit report for an ambulance bill for my minor son from April 2006. I called Medicaid, my son's insurance at the time, and they said a bill had never been submitted. I called the ambulance company who - reluctantly - said they would now submit the bill to Medicaid. They did not really know how they would go about submitting it because their "system had changed" since that time, but they did agree to submit it. A court ordered in December 2005 that my son's father, not me, was responsible for any and all of his medical bills. I'm going to be applying for a mortgage very shortly, and really need this gone from my report. I revised one of the HIPAA letter templates from Why Chat's Credit Confusion page as follows: This letter is in reference to an account for services provided to **** in April 2006. In regard to the bill on this account, you were advised you during our telephone conversation recently that **** was covered by Medicaid on the date of service. This information was previously provided to your office, but for some reason, Medicaid has informed me they had not been billed for this service. Please submit the bill to Medicaid as soon as possible if you have not already done so. Additionally, this bill is appearing on my credit report as a medical collection. According to a court order from the BrowardCounty Circuit Court, I am not the party legally responsible for the medical bills of ****. The court ordered in December 2005 that **** was the person responsible forany and all medical bills incurred by ****. Attached please find a copy of the court order and included pertinent portion of the agreement. Please be advised that under Federal Statutes. the Fair Credit Reporting Act, (15U.S.C. § 1681 et seq) and Alabama'sConsumer Credit Statutes, and subtitle D of the ARRA ,SEC. 13401. APPLICATIONOF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVEREDENTITIES; and SEC. 13407(1) BREACH OF SECURITY.—The term ''breach of security'' means, with respect to unsecured PHR identifiable health information of an individualin a personal health record, acquisition of such information without theauthorization of the individual, you may be held liable for the actions of CreditBureau-Coll. Please note that these liabilities are under the penalty rules ofthe HITECH Act as issued 11/30/2009. (a)Duty of furnishers of information to provide accurate information. (1) Prohibition. (A) Reporting information with actualknowledge of errors. Aperson shall not furnish any information relating to a consumer to any consumerreporting agency if the person knows or consciously avoids knowing that theinformation is inaccurate. AsI am not the party legally responsible for this account, the informationreported to Credit Bureau-Coll is inaccurate. Therefore I am requesting you promptly rescind all such accountinformation furnished to Credit Bureau-Coll and require them to purge theirrecords of all reference to this account, and that you insure that any and allreporting of this account is immediately deleted from my credit reports. This simple procedure to request the deletion of ALL reference to this account from the records of Credit Bureau-Coll and to require them to have this account information deleted in its entirety from my credit reports will resolve this problem completely. Please respond, in writing, within 10 days that you are processing this request. I am reserving the right to take appropriate legal and civil action including reporting to any applicable regulatory authorities any lack of cooperation or compliance with this request. I hereby waive my rights under HIPAA and any State Privacy Act for the single purpose of your transmission of this request and accompanying documentation in any required report you must make to your E&O insurance carrier. Is this okay, or are there any changes that should be made here? Any help GREATLY appreciated!

Thank you SO much for taking the time to help with the letter. I will send it out Monday and post back the results ... hopefully very soon!

Here is the letter I modified from the templates for this situation. Is this okay as is, or should something be changed? Regarding your response to my request for verification ofinformation submitted to the three major creditreporting agencies by CAPITAL ONE for me, [my full name], for account number***... (partial), pleasebe advised that the information you provided is inaccurate. I paid this account in full and closed it in Decemberof 2005 with a check in the amount of $2280.00. In March 2006, I received a statement showingthe account was still open and was also being charged a recurring fee of $15.99 per month from Stamps.com. I advised youthat the Stamps.com charges were not authorized by me, were disputed, and again requested theaccount be closed. Your company agreedto close the account, and sent me a check in the amount of $131.62 (copyattached), the remaining balance for the overpayment made in December 2005. My credit report is showing this account as acharge-off in the amount of $553. Pleaseupdate my account to show that it was paid as agreed and delete the negativemarks you have reported to the three consumer reporting agencies within thetimely manner prescribed by law. Note that section 1681s-2-b of the Fair CreditReporting Act creates a cause of action for a consumer against a furnisher oferroneous credit information (Nelson v. Chase Manhattan). Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other actions may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FCBA, FCRA, and other federal statutes. I look forward to a timely and amicable resolution to this matter. Thanks so much for all the help so far...I actually have hope now that this will soon disappear.

Thank you so much for the replies. Should I send the letter to Cap One first and see what their response it before reporting them to the CFBP, or should I do both simultaneously?

In 2005 I became late on my Cap One. I paid it in full in Dec 2005 and assumed it was closed. I then received a statement with new charges and a credit balance. Apparently, I had overpaid the balance by $200, and the new charges were some scam Stamps.com recurring payment that I never agreed to. Anyway, I called them and told them I wanted to close the account in March of 2006. In April 2006, they sent me a check for the remaining credit in my account of $131. Well...now I order my credit report, and it is showing I owe them over $500! I disputed. They verified. I wrote Cap One asking for specifics on this amount owed. I got a sort of form letter, but they stated my last payment was in Dec 2006 (right month but wrong YEAR) and the last charge was Aug 2006 for an amount that looks like that Stamps.com stuff again. What do I do now? I have a copy of the check they sent me when I officially closed the account. Should I send this along with their letter giving wrong information to the CRA? I really, REALLY need this off my report and need some advice ASAP. Thank you for any help anyone can offer.

Thanks for replying. I just tried looking at commerce laws, but it seems way over my head. Really, all I want is for this to go away. I need to apply for a mortgage very soon, and I think this is really going to harm me. Would sending the CRAs the OCs letter to me with the wrong date, along with proof of the date one year prior that it was actually paid, possibly result in the CRAs deleting the account because they are reporting in error? Or would sending ANY information make things worse and somehow inadvertently verify it?