Hello,
I have been reading on the HIPPA process and think I have a handle on it. But I am not entirely sure. If anyone familiar with the process wants to provide guidance where I might be wrong that would be great.
I have a collection from a CA on my Equifax credit report. The status is "Paid" with a zero amount owed. This was paid to the OC, not the CA. The DOFD is 07/2009. It was Paid 1/19/10 but first reported to the CRA on 2/1/10. Basically insurance and hospital billing screwed everything up and it took me ages to get everything fixed.
I just want to get this removed from my credit reports.
Here is what I have done:
1. Opted out.
2. Verified addresses (I haven't moved, so no need to remove the old ones).
Here is what I will do next:
1. Send a verification letter to the CRA via certified mail - http://www.whychat.5...hipaadisp.html.
2. Send to the OC via certified mail with return receipt this letter with B-1 insert - http://www.whychat.5u.com/hipltr.html. This was paid years ago, so do I still need to include proof of payment in the letter I send?
At this point I DO not send anything to the CA, correct? Since I paid the OC I do NOT do this step and part of the process http://www.whychat.5...ipaa.html#PAID.
My next steps would be to wait for the OC to respond. If they say they will have it removed, I do nothing and just wait, process completed. Correct?
If they respond in some fashion that they cannot remove or anything other then a deletion from the CRA, then I think I do this.
3. Send to the CRA a reinvestigation request letter from - http://www.whychat.5u.com/hipltr.html.
4. Once I get a return receipt send via certified mail with return receipt to the OC HIPPA Compliance Department a copy of my reinvestigation request to the CRA and the cover letter from the bottom of http://www.whychat.5u.com/hipltr.html.
At that point if its still not removed, I should file the appropriate complaints listed. Again, because I have never paid the CA, I should not be communicating to the CA at all. Right?
