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Whychat, That's a bummer.... Can you tell me what the best thing is to remove this collection? Should I wait 90 days and then restart the process? I will have moved by then. Also I believe that the CA has a working relationship with the hospital. Should I wait a few years to dispute (when another collection agency contacts me)? or after 4 years is up (It is already 1.5 years)? Thanks for the help

I cannot rule out the fact that this letter may have sent because Lexington Law disputed these accounts as not mine about 1 month ago...

Hi Whychat, Please advise me what I should do next???? I got a letter from Equifax this Friday. It says: "Credit File: May 31, 2012 Confirmation number: xxxxxx Dear xxxxx, Below are the results of your reinvestigation reuest and, as applicable, any revisions to your credit file. If you have additional questions regarding the reinvestigated items, please contact the source of that information directly. You may also contact Equifax regarding the specific information contained within this letter or report within the next 60 days by visiting us at www.investigate.equifax.com or by calling a Customer Representative at (888)237-1106 from 9:00am to 5pm Monday-Friday in your time zone. Thank you for giving Equifax the opportunity to serve you. The results of our Reinvestigation Collection Agency Information (This section includes accounts that have been placed for collection with a collection agency.) >>>We have researched the collection account. Account # 122xxx. The results are: We verified that this item belongs to you. If you have additional questions about this item please contact: The Thomas Agency, 561 Forest ave, Portland ME The Thomas Agency Inc,: Collection reported 05/2012; Assigned 10/2011: Creditor Class: Medical Health Care......Additional Information: Consumer Disputes this account Information ---------------There are 3 more like this from the same Collection Agency and Hospital------------- What should I do next whychat? Thanks

Never mind I found the reports. Letters are being sent today...Thanks

Thanks a lot for answering!!!! I cant find the three credit reports that I printed out two months ago. Do you know where I should order new ones from??

Oh OK I see. I just opted out of all three CRAs for 5 years.

One further question: Should I send HIpaa dispute to Transunion? They removed the 4 listings when I sent them the first letter so I am thinking that I will not dispute anything with them at this point. Unless the CA puts it back into the report. Right? Thanks!!!

Thank you so much for replying Why Chat. As per your reply, I will do the following: 1. Opt out. Question: I have a question about who I should send the opt out letters to. Should I send opt out letter to the CA , original hospital, CRAs,? Quote from website: "... any company that sends you statements in the mail: banks, credit card companies, department stores, insurance companies, " I am unsure if this includes CA, original hospital, CRAs? 2. I have not moved since the hospital bill so I will not be doing address change, right? 3. I will send the hipaa dispute letter to CRAs I used annualcreditreport.com once to get my report about 2 months ago. So I will pay them this time and get all three reports, right? 4. Cancel Lexingtonlaw Thanks a ton again for helping people from this menace..

I was going through a divorce and had some medical bills in 2011 that went to collections. It was from one hospital and instead of saying it as one account, they said it was 4 different accounts. Collection Agency placed these in my Credit report (all three) in February 2012. I disputed with all three CRAs by saying that this debt is not mine. Transunion responded by deleting it. Experian and Equifax answered by saying I have these 4 accounts and they have been in collection and not paid. I sent a letter to CA for a "pay to delete" without saying that the debt is mine. I got a sample letter on the internet. They did not answer. I paid LexingtonLaw and opened an account. They sent a letter to all three CRAs asking to confirm the debt. They have not responded. I called the CA and asked them to follow up on the pay to delete letter. They refused to do anything and asked for more money. Meanwhile LexingtonLaw sent a letter to them to validate the debt. They sent a letter to me that kind of validates the debt. First of all, I am not very pleased with the service of LexingtonLaw as they are extremely hard to contact and talk to. What they have done, I could have done very easily if I had read the forums before. Can you please help me? Please let me know what route I should go about to fix this situation. 1. Is WhyChat's method (Hipaa) available to me? 2. What should I do next? 3. Should I send the payment to the collection agency? LexingtonLaw recommended that I do that... Please help. I need to buy a house and they denied my loan.... Thanks