greenpinetree

Whychat, this is my second HIPAA dispute process. My first process succeeded in removing the disputed items from my report. I have two collections that I am trying to remove. I have opted out, removed old addresses, sent initial dispute to CRAs. TU delete one of the two, EQ and EX verified both. I then sent the HIPAA dispute letters to the reporting CA certified mail. I did not get a response, but printed the delivery confirmation. I sent the follow up letter to the CRAs with the CA dispute letter, and proof of delivery. EQ sent a letter saying they have reinvestigated, but they "verified that this item belongs to you". I backdoored TU and EX and they are still reporting as well. The accounts are very old, and are scheduled to drop off middle of next year, but I need to get them off ASAP. Is the next step the FTC complaint process? Thank you

Success!! I got the results from experian on the redispute, and everything that I disputed came off except the two charges that I had paid to collections. I didn't really expect those to come off, but they are really small anyway. I will now be doing another dispute for the large medical bills. I expect them to come off as well. I will update this thread with their status. Thank you Why Chat.

An update so far... So I think the time the collector called was for the new collection, and have not called again. I am still waiting on the vaildation from them, which should not be valid since there is no balance due. I have also not heard anything from the second disputes to the CRAs, or any other validation from any of the other collectors whatsoever. The CA validations were received on 05/17/12 and 05/19/12. The second CRA disputes were received 05/26/12 and 06/01/12. I notice that the CRAs were very quick to turn around the initial dispute, but they are taking longer this time. On a side note, portfolio recovery dug up some debt on a relative and was calling daily. A C&D with SOL notice shut them right up. That felt good to get the letter from them.

The gulf coast accounts are about 3 years old, the CFC are 5 and 6 years. Gulf coast did get the DV, and I had the receipt by the time they called, but they were probably calling about a new collection that the doctor just gave them. They also called on my wife's phone, but asked for me. I will get hard with them if they call again. The dr. sent two more bills to them to collect a week ago, but I have just paid the doctor. I will dispute the collection, so it had better not even show up on my reports. From what I gather, a few people have success with deletes from TU with the initial dispute. I would like to give my results so people can get an idea of what to expect when they go through with this. I really do not understand why the collection agencies are so hard on people. What do they care that the debt is reported for the full 7 years? Why does it matter at all as long as they get paid? Medical collections certainly don't stop you from getting into more medical debt, I just can't get a larger home for my growing family.

Hi everyone. I am starting this thread to detail my hipaa dispute process in the hopes that it helps others. I had been following this forum for about a year, read why-chat's page over and over and over. I was very intimidated by the process at first, and it does take a lot of time. I spent many hours preparing everything, and double checking everything. I believe it is very unfair for people to be punished for 7 years by these medical collections. With that out of the way, here are the details: (why-chat hipaa dispute process) I pulled all 3 credit reports on annualcreditreport.com. I had: 4 collections from gulf coast in the amounts of $0, $0, $24, and $92. 1 collection from drs. business bureau in the amount of $0. 2 collections from cfc, for about $300 and $400. I opted out, and disputed old addresses and incorrect names. Most names and addresses came off, but not all. I did the initial dispute with all 3 agencies for everything except the CFC collections. (I later found out that I should have disputed them ALL, but I am not yet able to pay them in full, so I waited) I received responses from all 3. Transunion deleted all disputed items. (I really couldn't believe it!) Equifax and Experian both "verified". I sent gulf coast and drs. business bureau the CA validation letters CMRR. I received the return receipts. Gulf coast called, but I informed them that all calls are inconvenient, and that any communication is to be through mail. In the mean time, I have been trying to get receipts for the paid bills. I am pretty sure that all the paid ones were paid to the original doctor. I have just finished typing up the follow up letters to the CRAs, and will be mailing them CMRR. I will be keeping this up to date, since I am on here almost every night anyway.