tylerrr-27

Well some good news for me. Email from the Better Business Bureau today from my recent complaint to the CA.. The CA's response to my complaint is that they wrote all 3 CRA's to remove the paid collection. They sent me a letter in the mail as well that they said I can send to the CRA as well to speed up the deletion. SAWEEEEET!!!

???? Anyways, So since the account is under 2 years, do I not follow the next steps if they all three verify? Isn't it still a breach of HIPAA?

bump..

I believe that is correct. Going through the same thing as well, except I paid the OC directly. Looks like you'll be able to dispute to get it deleted after 2 years. Won't hurt t try though, I am. Only a few bucks for mailing.

If the other CRAs also verify and it is a fairly recent account, it is not worth the bother to get the "paid collection" off your reports as it will not affect your credit score. If it is more than 2 years old, then you should try to get it off as it is still a derogatory account, but 2 or more years more recent, which reduces your score. ??? If all 3 verify, and the account is more than 2 years old, send the reporting CA this: http://www.whychat.5...hipaa.html#PAID and then follow up with this http://www.whychat.5...aa.html#DISPUTE I'm kind of confused... It is less than 2 years olf, from May 2012. When it was put on my credit report in May, it dropped my score 40 points. Then when I seen it and paid the OC, it dropped my score another 40 points, I would assume because it refreshed it. I would think removing the collection all together off my report would shoot my score up, but I deff could be wrong. Could you explain your last sentance though?

Do i wait for response letter from all 3 before I send anything else out? What's my next step WhyChat? Thanks

Alright I sent out the initial dispute to each CRA at the beggining of the week. Already got a response from Equifax/CSC and they verified that it belonged to me.

You paid the Dr. probably by credit card WITHOUT the HIPAA letter insert "a". They turned the payment over to the CA who properly reported it as a "paid" collection. Not sure if this maters or not, but when I paid the Doctor they gave me a reciept of payment from them to my email. Then she said she called the CA and told them it was paid.

Send the dispute to CSC Credit Services and refer to the date of the report. I also asked the mods to delete your copy of the report as it had your name on it. Alright thank you. One more question. Once again thanks for the help.. In your initial post you said I could "TRY" these things. I was curious to what I have done cause this proccess to maybe not work? Thanks!!

Well, you can TRY to do some things. First OPT OUT http://www.whychat.5...OPTOUTINST.HTML Next get your REAL credit reports,To order, visit annualcreditreport.com,or call 1-877-322-8228 Next send this to each CRA ( Credit Reporting Agency) where the account ( or ANY medical account) is appearing. http://www.whychat.5.../hipaadisp.html Come back to this post with your results Okay, will get the letters sent Monday. Should I try and cancel the complaint I opened with the BBB? Don't bother, the BBB is useless anyway Also I cant seem to find the report number of the Credit Reports I got from Annualcredit ?? I hope you meant annualcreditreport.com, and not some 3rd party "free credit report" service. The report # is usually on the first page I have searched the whole document and find no mention on the report number. I got the report from anuualcreditreport.com. It was my free report if that helps. The first page where it says " Experian Credit Report prepared for YOUR NAME should have the report # on the next line. Your Trans Union Report on the first page in the upper right hand corner should have a "file Number" Your Equifax Report on the first page should have a "confirmation # " on the upper left below your name. I have the other 2 report numbers just not Equifax. This is what the top of my report shows Ok looks like I found this on the Equifax website- Some consumers may not receive a confirmation number. This indicates that your credit file is affiliate-owned by CSC Credit Services. CSC Credit Services owned credit files are included in the Equifax database. In instances where CSC Credit Services maintains ownership of your credit file, you should initiate any request to dispute information directly with the affiliate by contactin So Now what Why Chat? I do I send Equifax the letter with no credit report number? Thanks..

Well, you can TRY to do some things. First OPT OUT http://www.whychat.5...OPTOUTINST.HTML Next get your REAL credit reports,To order, visit annualcreditreport.com,or call 1-877-322-8228 Next send this to each CRA ( Credit Reporting Agency) where the account ( or ANY medical account) is appearing. http://www.whychat.5.../hipaadisp.html Come back to this post with your results Okay, will get the letters sent Monday. Should I try and cancel the complaint I opened with the BBB? Don't bother, the BBB is useless anyway Also I cant seem to find the report number of the Credit Reports I got from Annualcredit ?? I hope you meant annualcreditreport.com, and not some 3rd party "free credit report" service. The report # is usually on the first page The only one I cant find is my Equifax. I have the other 2. I have searched the whole document and find no mention on the report number. I got the report from anuualcreditreport.com. It was my free report if that helps.

Well, you can TRY to do some things. First OPT OUT http://www.whychat.5...OPTOUTINST.HTML Next get your REAL credit reports,To order, visit annualcreditreport.com,or call 1-877-322-8228 Next send this to each CRA ( Credit Reporting Agency) where the account ( or ANY medical account) is appearing. http://www.whychat.5.../hipaadisp.html Come back to this post with your results Okay, will get the letters sent Monday. Should I try and cancel the complaint I opened with the BBB? Also I cant seem to find the report number of the Credit Reports I got from Annualcredit

Also I paid the OC on 7/25/2012. The date it was originally reported by CA was May/2012 Then the CA marked it as PAID the day after I paid the OC. Also I may be able to cancel BBB complaint if it will help me since I just filed it 2 days ago. Waiting for Why Chat's response to everything here

Man, I forgot one more thing and I cannot edit previous post. I did file a dispute with Equifax, they were the first I saw the CA on. Once again I did this right away before opting out because I was in panic LOL.

Forgot to mention, I have done the 5 year opt out.